Common use of BILLING ERRORS Clause in Contracts

BILLING ERRORS. In case of errors or questions about your Internet Banking transactions, telephone us at the phone numbers or write us at the address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * Tell us your name, account number, and the dollar amount of the suspected error. * Describe the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic funds transfers, telephone us at the phone numbers or write (000) 000-0000 and send us at the address set forth in Section 4, paragraph 3 as soon as you cana written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice: ▪ Tell us your name, name and account number, and the dollar amount of the suspected error. * ▪ Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit recredit your account within ten (10) business days (five (5) business days for Mastercard Debit Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude used in our conclusion that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionssavings and checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appears. * Call us at: 000.000.0000 or write to: Achieve Financial Credit Union XX Xxx 0000 Xxxxxx, XX 00000 - Tell us your name, name and account number, and the dollar amount of the suspected error. * - Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information. - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar ** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of ten (10) business days to investigate the extent possible without violating other members’ rights error. ** If you give notice of an error within 30 days after you make the first deposit to privacyyour account, notice of an error involving a point-of-sale (POS) relied upon transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to conclude that investigate the error did not occurerror.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Internet Banking transactionsshare and share draft accounts, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first First statement on which the problem appears. * Call us at: 000.000.0000 Or write to: CityMark Federal Credit Union 00 X Xxxxxx Xxxxxx Xxxxxx-Xxxxx, PA 18711 • Tell us your name, name and account number, and the dollar amount of the suspected error. * number • Describe the transaction electronic transfer you are unsure about, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar )** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days. ** If you give notice of an error within thirty (30) days after you make the extent possible without violating other members’ rights first deposit to privacyyour account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) relied upon days instead of forty-five (45) days to conclude that the error did not occurinvestigate.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic transfers, telephone us at the phone numbers or write us at the address set forth in Section 4, paragraph 3 above as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * • Tell us your name, name and account number, and the dollar amount of the suspected errornumber (if any). * • Describe the error or transaction you are unsure about, questioning and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (question; ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days (five (5) business days for debit purchase transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit re-credit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Internet Banking transactionsshare/checking account, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * Telephone: (000) 000-0000 / (000) 000-0000 Or write to: U. S. Postal Service Federal Credit Union Attn: VISA Check Card 0000 Xxxxxxx Xxxx, Suite 311 Clinton, MD 20735-1730 • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction transaction(s) you are unsure about, about and explain as clearly as you can why you believe it there is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten five (105) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten five (105) business days, we may not recredit credit your account. For transactions initiated outside the United States or in the event there are transfers resulting from a POS transaction, we will have twenty (20) business days instead of ten (10), and ninety (90) calendar days instead of forty-five (45) calendar days, unless otherwise required by law, to investigate your complaint or question. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you with copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic funds transfers, telephone us at the phone numbers or write (000) 000-0000 and send us at the address set forth in Section 4, paragraph 3 as soon as you cana written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice:  Tell us your name, name and account number, and the dollar amount of the suspected error. *  Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit recredit your account within ten (10) business days (five (5) business days for MasterCard Debit Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.our

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Internet Banking transactionssavings and checking accounts, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first FIRST statement on which the problem appears. * Call us at: (000) 000-0000 or write to: Xxxxxxxxx Xxxxxx Employees Federal Credit Union P.O. Box 10680 Xxxxxxxxx, LA 70181 • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction electronic transfer you are unsure about, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar )** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to the extent possible without violating other members’ rights to privacyyour account, we will have twenty (20) relied upon to conclude that the error did not occurbusiness days instead of ten (10) business days.

BILLING ERRORS. In case of errors or questions about electronic funds transfer from your Internet Banking transactionsshare and share draft accounts, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first FIRST statement on which the problem appears. * Tell Call us at: (000) 000-0000 Fax: (000) 000-0000 or Write to: Local 41 IBEW Federal Credit Union 0000 Xxxxxxxxxx Xxxx, Xxxxxxx Xxxx, XX 00000 Please provide us with your name, name and account number, and the dollar amount of the suspected error. * *Describe the transaction electronic transfer you are unsure about, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information. *Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within with ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar )** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic transfers, telephone us at the phone numbers telephone, email to xxxxxxx@xxxxxxxxxxxx.xxx, or write us at the address set forth in Section 4, paragraph 3 as soon as you can. possible: America First Federal Credit Union, X.X. Xxx 0000 Xxxxx, XX 00000-0000 or call: Xxxxx County: 627-0900 Xxxx Xxxx Xxxxxx: 000-0000 Xxxx Xxxxxx: 223-3900 Outside these counties: 0-000-000-0000 We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * Tell us your name, name and account number, and the dollar amount of the suspected error. * Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit recredit your account within ten (10) business days (five [5] business days for Visa Debit Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. For transactions initiated outside the United States and point-of-sale transactions, we will have ninety (90) calendar days instead of forty-five (45) business days to investigate your complaint or question. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ ' rights to privacy) relied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionssavings and checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appears. * Call us at: (000) 000-0000 (000) 000-0000 or write to: Catholic Federal Credit Union X.X. Xxx 0000 Xxxxxxx, XX 00000 - Tell us your name, name and account number, and the dollar amount of the suspected error. * - Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe it is the Credit Union has made an error or why you need more information. - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business 14 calendar days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business 14 calendar days, we may not recredit your account. We will determine whether an error has occurred within ten (10) business days after we hear from you and we will provisionally correct the error promptly, or if the correction is in an amount different than the alleged error, we will explain the reason for the difference. We may take up to 60 days to investigate your inquiry. Our provisional credit to your account, within ten (10) business days for the amount you think is in error, allows you the use of the money during the time it takes us to complete our investigation. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide after our investigation that an error did not occur, we will deliver or mail send you a written explanation and we may charge back the corrected amount to you an explanation your account within 60 days of our findings within three (3) business days after the conclusion of our investigationnotice to you. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Internet Banking transactionssavings and checking accounts, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first FIRST statement on which the problem appears. * Contact us at: Family Advantage Federal Credit Union, P.O. Box 39, Spring Hill, TN 37174, (000) 000-0000 or (000) 000-0000 • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction electronic transfer you are unsure about, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar )** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.your account, we will have twenty

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Internet Banking transactionsregular share, share draft checking and money market share accounts, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * Call us at: (000)-000-0000 or (000)-000-0000 Fax: (000)-000-0000 Or write to: IH Credit Union, Inc. 0000 Xxxxxx Xx Xxxxxxxxxxx XX 00000-0000  Tell us your name, name and account number, and the dollar amount of the suspected error. *  Describe the transaction electronic transfer you are unsure about, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar )** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occurthere was no error, we will deliver or mail to send you an a written explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.three

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic fund transfers, telephone us at the phone numbers or write 000-000-0000 and send us at the address set forth in Section 4, paragraph 3 as soon as you cana written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice:  Tell us your name, name and account number, and the dollar amount of the suspected error. *  Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit recredit your account within ten (10) business days (five (5) business days for VISA Check Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude used in our conclusion that the error did not occur.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionsEFTs, telephone us at the phone numbers 000-000-0000 or write toll free at 000-000-0000 and send us at the address set forth in Section 4, paragraph 3 as soon as you cana written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice: • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction 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 dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation investi- gation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your recredit the account within ten (10) business days (five (5) business days for MasterCard Debit Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your the account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion conclu- sion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude used in our conclusion that the error did not occur.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic transfers, telephone us at the phone numbers or write us at the address set forth in Section 4, paragraph 3 above as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * Tell us This notice must include your name, name and account number, and the dollar amount of the suspected error. * Describe , and full description about the transaction you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) business calendar days. We will tell you promptly investigate the results of our investigation matter and determine within ten ([10) ] business days after we hear from you and will correct the date of your dispute, whether or not an error promptlyoccurred. For errors related to transactions occurring within thirty ([30) ] days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty ([20) ] business days. If we need more time, time however, we may take up to forty-five ([45) calendar ] days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten ([10) ] business days (five [5] business days for Visa Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten ([10) ] business days, we may not recredit credit your account. For POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States, we will have ninety [90] calendar days instead of forty-five [45] calendar days, unless otherwise required by law, to investigate your complaint or question. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three ([3) ] business days after the conclusion of our investigation. If you request, we will provide you copies of documents ([to the extent possible without violating other members’ rights to privacy) ] relied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Internet Banking transactionssavings and checking accounts, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first FIRST statement on which the problem appears. * Contact us at: Family Advantage Federal Credit Union, P.O. Box 39, Spring Hill, TN 37174, (000) 000-0000 or (000) 000-0000  Tell us your name, name and account number, and the dollar amount of the suspected error. *  Describe the transaction electronic transfer you are unsure about, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar )** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.your account, we will have twenty

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionssavings or checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first statement on which the problem appears. * Call us at: (000) 000-0000 Or write to: Northwest Missouri Regional Credit Union 00000 Xxxxxx Xxxxxxx Xx Xxxxxxxxx, XX 00000 • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar ** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.your account, we will have 20 business days instead of ten

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionsEFTs, telephone us at the phone numbers 000-000-0000 or write toll free at 800-643-1567 and send us at the address set forth in Section 4, paragraph 3 as soon as you cana written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice: • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction 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 dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation investi- gation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your recredit the account within ten (10) business days (five (5) business days for MasterCard Debit Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your the account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion conclu- sion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude used in our conclusion that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionsshare and share draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appears. * Call us at: (000) 000-0000 or write to: Fulda Area Credit Union 000 X Xx Xxxx Xxx Fulda, MN 56131 Fax: (000) 000-0000 - Tell us your name, name and account number, and the dollar amount of the suspected error. * - Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe it is the Credit Union has made an error or why you need more information. - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar ** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.your account, we will have 20 business days instead of ten

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic funds transfers, telephone us at the phone numbers or write (000) 000-0000 and send us at the address set forth in Section 4, paragraph 3 a written notice as soon as you can. .We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice: Tell us your name, name and account number, and the dollar amount of the suspected error. * Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. .We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety ([90) calendar ] days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit recredit your account within ten (10) 10 business days (five [5] business days for MasterMoney Check Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude used in our conclusion that the error did not occur.

BILLING ERRORS. In case Case of errors Errors or questions about your Internet Banking transactions, Questions About Your Electronic Transfers telephone us at the phone numbers 000.000.0000 or 800.279.3288, or write us at the address set forth in Section 4Credit Union of Denver, paragraph 3 P.O. Box 261420, Lakewood, CO 80226-9420 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appearsor error appeared. *  Tell us your name, name and account number, and the dollar amount of the suspected errornumber (if any). *  Describe the transaction error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not recredit credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide after our investigation that an error did not occurthere was no error, we will deliver or mail to send you an explanation a written explanation. You may ask for copies of our findings within three (3) business days after the conclusion of documents that we used in our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

BILLING ERRORS. ‌ In case of errors or questions about your Internet Banking transactionsEFTs, telephone us at the phone numbers or write 000- 000-0000 and send us at the address set forth in Section 4, paragraph 3 as soon as you cana written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice: • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction 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 dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint com- plaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors er- rors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your recredit the account within ten (10) business days (five (5) business days for MasterCard Debit Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your the account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.three

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionsshare, share draft, and Senior accounts, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appears. * Call us at: (000) 000-0000 or write to: University Of Kentucky Federal Credit Union 0000 Xxxxxxxx Xxx Xxxxxxxxx, XX 00000 Fax: (000) 000-0000 - Tell us your name, name and account number, and the dollar amount of the suspected error. * - Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe it is the Credit Union has made an error or why you need more information. - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar ** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the extent possible without violating other members’ rights U.S., its possessions and territories, we will have 90 days instead of 45 days to privacy) relied upon to conclude that the error did not occurinvestigate.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionsEFTs, telephone us at the phone numbers or write 000-000-0000 and send us at the address set forth in Section 4, paragraph 3 a written notice as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice: • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety ([90) calendar ] days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) 10 business days (five [5] business days for VISA Check Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit re-credit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.three

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionsshare and share draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appears. * Call us at: (000) 000-0000 or write to: Wanigas Credit Union 0000 Xxxxxx Xx. Saginaw, MI 48601 Fax: (000) 000-0000 - Tell us your name, name and account number, and the dollar amount of the suspected error. * - Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information. - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business 14 calendar days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business 14 calendar days, we may not recredit your account. We will determine whether an error has occurred within ten (10) business days after we hear from you and we will provisionally correct the error promptly, or if the correction is in an amount different than the alleged error, we will explain the reason for the difference. We may take up to 60 days to investigate your inquiry. Our provisional credit to your account, within ten (10) business days for the amount you think is in error, allows you the use of the money during the time it takes us to complete our investigation. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide after our investigation that an error did not occur, we will deliver or mail send you a written explanation and we may charge back the corrected amount to you an explanation your account within 60 days of our findings within three (3) business days after the conclusion of our investigationnotice to you. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic fund transfers, telephone us at the phone numbers following number or write send us at a written notice to the address set forth in Section 4, paragraph 3 as soon as you canfollowing address. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * Call us at: (000) 000-0000 (000) 000-0000 Or write to: Federal Employees to Chippewa County Credit Union 000 Xxxxx Xxxxxx Xxxxx Xxx. Xxxxx, MI 49783 Fax: (000) 000-0000 In your notice: ▪ Tell us your name, name and account number, and the dollar amount of the suspected error. * ▪ Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten fourteen (1014) business calendar days. We will tell If we ask you the results of our investigation to put your complaint or question in writing and we do not receive it within ten (10) business days after 14 calendar days, we hear from you and will correct the error promptlymay not recredit your account. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (question, ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-re- credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings finding within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of the documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude used in our conclusion that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionsshare and share draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first statement on which the problem appears. * Call us at: 000-000-0000 0-000-000-0000 or write to: White County Federal Credit Union 000 X Xxxxx Xxxxx Searcy, AR 72143 Fax: 000-000-0000 • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe it is the Credit Union has made an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar ** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.your account, we will have 20 business days instead of ten

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic fund transfers, telephone us at the phone numbers 000- 000-0000 or write toll-free 000-000-0000 and send us at the address set forth in Section 4, paragraph 3 as soon as you cana written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem prob- lem appears. * In your notice: • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation investi- gation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit recredit your account within ten (10) business days (five (5) business days for Visa Check Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigationinves- tigation. If we ask you to put your complaint or question in writing and we do not receive re- ceive it within ten (10) business days, we may not recredit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion conclu- sion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude used in our conclusion that the error did not occur.

BILLING ERRORS. In case of errors or questions about your Internet Banking transactionselectronic fund transfers, telephone us at the phone numbers or write 000-000-0000 and send us at the address set forth in Section 4, paragraph 3 as soon as you cana written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * In your notice: • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction 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 dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation investi- gation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit recredit your account within ten (10) business days (five (5) business days for Visa Debit Card transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigationinves- tigation. If we ask you to put your complaint or question in writing and we do not receive re- ceive it within ten (10) business days, we may not recredit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion conclu- sion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude used in our conclusion that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionsshare and share draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appears. * Call us at: (000) 000-0000 or write to: Access of Louisiana Federal Credit Union XX Xxx 0000 Xxxxxxx, XX 00000 Fax: (000) 000-0000 - Tell us your name, name and account number, and the dollar amount of the suspected error. * - Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe it is the Credit Union has made an error or why you need more information. - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar ** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.your account, we will have 20 business days instead of ten

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionssavings and checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appears. * Call us at: (000) 000-0000 or write to: Community First Credit Union XX Xxx 0000 Xxxxx Xxxx, XX 00000 Fax: (000) 000-0000 - Tell us your name, name and account number, and the dollar amount of the suspected error. * - Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information. - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar ** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.your account, we will have 20 business days instead of ten

BILLING ERRORS. In case of errors or questions about electronic fund transfers from your Internet Banking transactionssavings and checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at a written notice to the following address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the first FIRST statement on which the problem appears. * Call us at: (000) 000-0000 (000) 000-0000 or write to: WESTconsin Credit Union 0000 Xxxxxxxxx Xxxxxx Menomonie, WI 54751 - Tell us your name, name and account number, and the dollar amount of the suspected error. * - Describe the transaction electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe it is the Credit Union has made an error or why you need more information. - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10) )* business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar ** days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) )* business days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.your account, we will have 20 business days instead of ten

BILLING ERRORS. In case of errors or questions about your Internet Banking EFT transactions, telephone us at the phone numbers or write us at an address listed on the address set forth in Section 4, paragraph 3 back page as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. * • Tell us your name, name and account number, and the dollar amount of the suspected error. * • Describe the transaction 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 dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States)question. If we decide to do this, we will re-credit your account within ten (10) business days (5 business days for VISA Check Card purchases) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to do put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit re-credit your account. For new accounts, we will have twenty (20) business days instead of ten (10) business days, and for new accounts, point-of-sale, or foreign-initiated transactions, we will have ninety (90) days instead of forty-five (45) days, unless otherwise required by law, to investigate your complaint or question. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ ' rights to privacy) relied upon to conclude that the error did not occur.