Common use of Consumer Accounts Only Clause in Contracts

Consumer Accounts Only. In case of errors or questions about your electronic transfers: contact Waldo State Bank at: Address: 000 X. Xxxxx Xx, Xxxxx, XX 00000 Phone Number: 000.000.0000 Business Hours: 8:30am – 5:00pm CT Monday through Friday Email: xxxxxxx@xxxxxxxxxxxxxx.xxx 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) days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • Describe the error or the 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 determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will 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 questions in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, or foreign-initiated transactions, we may take up to ninety (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 about the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Consumer Accounts Only. If we are notified within two (2) business days after you discovered the password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your accounts without permission. Also, if your statement shows activity that you did not authorize, notify your local United Prairie Bank at once. If we are not notified within sixty (60) days after the statement was sent, you may lose any amount transferred without authorization after the sixty (60) days if it can be proven that we could have prevented someone from taking the money if we had been notified in time. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Business or other entity (including a sole proprietorship) Only. You agree to monitor your accounts on a daily basis. Notify your local United Prairie Bank immediately if you discover the password or other means to access your account has been lost or stolen or if you identify any activity that you did not authorize. We will have no liability to you for unauthorized account access that occurs before you have notified us of potential unauthorized activity and that we have been provided with a reasonable opportunity to react to that notice. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Errors and Questions. In case of errors or questions about electronic transactions, telephone your electronic transferslocal United Prairie Bank as soon as possible. Please note: contact Waldo State Bank at: Address: 000 X. Xxxxx Xx, Xxxxx, XX 00000 Phone Number: 000.000.0000 Business Hours: 8:30am – 5:00pm CT Monday through Friday Email: xxxxxxx@xxxxxxxxxxxxxx.xxx The following information applies to consumer accounts only. If you think your a statement or receipt is wrong incorrect or if you need more information is needed about a transfer transaction listed on the statement or receipt. We The bank must hear from you no later than sixty (60) days after we sent the FIRST statement was sent on which the problem or error appeared. You will need to: • Tell us list your name name, contact information (address and daytime phone number) and account number (if any). number; • Describe describe the error or the transfer 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. ; and • Tell tell us the dollar amount of the suspected error. If you tell us orallywe are notified verbally, we it may require that you be required to send us your the complaint or question in writing within ten (10) business daysdays following the date we were notified. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, ; however, we may take up to forty-five (45) days [ninety (90) business days if the error involved a new account, a point-of-sale transaction or a foreign-initiated transaction] to investigate your complaint complaints or questionquestions. If we decide to do this, we will 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 questions question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We If we determine there was no error, we will tell reverse the previously credited amount, if any, and we will send you about the results a written explanation within three (3) business days after completing we finish our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Termination. To terminate access to United Prairie Retail Online, call or stop by your local United Prairie Bank (see listing below) during regular business hours. We reserve the right to terminate United Prairie Retail Online, in whole or in part, at any time with or without cause and without prior written notice. We also reserve the right to temporarily suspend United Prairie Retail Online in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter the password as an indication of an attempted security breach. Termination of United Prairie Retail Online does not affect your obligation under this Agreement with respect to occurrences before termination.

Consumer Accounts Only. If we are notified within two (2) business days after you discovered the password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your accounts without permission. Also, if your statement shows activity that you did not authorize, notify your local United Prairie Bank at once. If we are not notified within sixty (60) days after the statement was sent, you may lose any amount transferred without authorization after the sixty (60) days if it can be proven that we could have prevented someone from taking the money if we had been notified in time. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Business or other entity (including a sole proprietorship) Only. You agree to monitor your accounts on a daily basis. Notify your local United Prairie Bank immediately if you discover the password or other means to access your account has been lost or stolen or if you identify any activity that you did not authorize. We will have no liability to you for unauthorized account access that occurs before you have notified us of potential unauthorized activity and that we have been provided with a reasonable opportunity to react to that notice. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. Errors and Questions. In case of errors or questions about electronic transactions, telephone your electronic transferslocal United Prairie Bank as soon as possible. Please note: contact Waldo State Bank at: Address: 000 X. Xxxxx Xx, Xxxxx, XX 00000 Phone Number: 000.000.0000 Business Hours: 8:30am – 5:00pm CT Monday through Friday Email: xxxxxxx@xxxxxxxxxxxxxx.xxx The following information applies to consumer accounts only. If you think your a statement or receipt is wrong incorrect or if you need more information is needed about a transfer transaction listed on the statement or receipt. We The bank must hear from you no later than sixty (60) days after we sent the FIRST statement was sent on which the problem or error appeared. • Tell us You will need to:  list your name name, contact information (address and daytime phone number) and account number (if any). • Describe number;  describe the error or the transfer 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. • Tell ; and  tell us the dollar amount of the suspected error. If you tell us orallywe are notified verbally, we it may require that you be required to send us your the complaint or question in writing within ten (10) business daysdays following the date we were notified. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, ; however, we may take up to forty-five (45) days [ninety (90) business days if the error involved a new account, a point-of-sale transaction or a foreign-initiated transaction] to investigate your complaint complaints or questionquestions. If we decide to do this, we will 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 questions question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We If we determine there was no error, we will tell reverse the previously credited amount, if any, and we will send you about the results a written explanation within three (3) business days after completing we finish our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Termination. To terminate access to United Prairie Retail Online, call or stop by your local United Prairie Bank (see listing below) during regular business hours. We reserve the right to terminate United Prairie Retail Online, in whole or in part, at any time with or without cause and without prior written notice. We also reserve the right to temporarily suspend United Prairie Retail Online in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter the password as an indication of an attempted security breach. Termination of United Prairie Retail Online does not affect your obligation under this Agreement with respect to occurrences before termination.