Common use of Billing Rights Summary Clause in Contracts

Billing Rights Summary. In case of errors or questions about your bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May 1, 2023 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May August 1, 2023 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your billxxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May November 1, 2023 2020 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your billxxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May August 1, 2023 2021 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your billxxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May November 1, 2023 2021 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May February 1, 2023 2024 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions This notice contains important information about your billrights and the Bank's responsibilities under the Fair Credit Billing Act. 26.1: Notify Us in Case of Errors or Questions About Your Bill. If you think your bill bills is wrong, or if you need more information about a transaction on your bill, write to us (on in a separate sheet) letter at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possiblethe address indicated in the Billing Rights Summary on your Statement or the address below. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rightsrights and we will not be required to investigate any potential errors. In your letter you must give us letter, include the following information: * Your name and account number. * The date and dollar amount of the suspected error. * Describe the error error, and explain, explain if you can, why you believe there is an error. If you need more information, describe the item that you are unsure not sure about. If you have authorized us to pay your Account automatically from your savings or checking account or you have authorized an automatic payment on your Account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. 26.2: Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including interest charges, and we can apply any unpaid amount against your Credit Limit. You do not have to pay any questioned amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While If we investigate find that we made a mistake on your questionbill, you will not have to pay the amount in question or any interest charges related to any questioned amount. If we didn’t make a mistake, you may have to pay interest charges, and you will have to make any missed payments on the questioned amount. In either case, we cannot will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent or take any action delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the amount you question. Disclosures Effective May 1, 2023 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee first $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% 50 of the scheduled pay- ment or $10 on payments received more than 10 days past the due datequestioned amount, even if your bill was correct. Payment Amount The greater of 4% of the outstanding balance or $15.00.26.3:

Billing Rights Summary. In case of errors or questions about your bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May February 1, 2023 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May 1, 2023 2024 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your billxxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May 1September 21, 2023 2021 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May August 1, 2023 2022 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions This notice contains important information about your billrights and the Bank's responsibilities under the Fair Credit Billing Act. 25.1: Notify Us in Case of Errors or Questions Aboux Xxur Bill. If you think your thinx xxur bill is wrong, or if you need more information about a transaction on your ox xxur bill, write us (on in a separate sheet) letter at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, the address indicated in the Billing Rights Summary on your Statement. Write us as soon as possible. We must hear from you no later than 60 days after we sent you the first xxxst bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us letter, include the following information: * Your name and account number. * The date and dollar amount of the suspected error. * Describe the error error, and explain, explain if you can, why you believe there is an error. If you need more information, describe the item that you are unsure not sure about. If you have authorized us to pay your credix xxrd bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. 25.2: Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter within 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain why we beliexx xhe bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can contixxx to bill you for the amount you question, including interest charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount in question while we are investigating, but you are still obligated to pay the parts of your ox xxur bill that are not in question. While If we investigate your questionfind that we made a mistake ox xxur bill, you will not have to pay any interest charges related to any questioned amount. If we didn’t make a mistake, you may have to pay interest charges, and you will have to make any missed payments on the questioned amount. In either case, we cannot will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent or take any action delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question aboxx xour bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the amount you question. Disclosures Effective May 1, 2023 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee first $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% 50 of the scheduled pay- ment or $10 on payments received more than 10 days past the due datequestioned amount, evex xx your bill was correct. Payment Amount The greater of 4% of the outstanding balance or $15.00.25.3:

Billing Rights Summary. In case of errors or questions about your billxxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May 1, 2023 2022 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your billxxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May 1, 2023 2021 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May November 1, 2023 2022 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.

Billing Rights Summary. In case of errors or questions about your billxxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us (on a separate sheet) at 00 Xxxxxx Xxxxx, PO Box 40, Sodus, NY 14551, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter you must give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item that you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Disclosures Effective May February 1, 2023 2021 ANNUAL PERCENTAGE RATE 18.00% APR Grace Period for Repayment You have no grace period in which to repay your balance before a finance charge will be imposed. Annual Fee $0 Minimum Finance Charge $0 Transaction Fee $0 Cash Advance Fee $0 Over-the-Limit Fee $0 Balance Computation Method A daily Finance Charge is calculated by multiplying the amount owed at the end of each day (including new advances and deducting payments and credit made during that day, but not including unpaid Finance Charges) by daily periodic rate of .049%. The Finance Charge for each billing cycle is the sum of all the daily Finance Charges during the cycle. Late Payment Fee The greater of 5% of the scheduled pay- ment or $10 on payments received more than 10 days past the due date. Payment Amount The greater of 4% of the outstanding balance or $15.00.