Common use of Consumer Liability for Unauthorized Transfers from Deposit Account Clause in Contracts

Consumer Liability for Unauthorized Transfers from Deposit Account. Please inform us IMMEDIATELY if you believe your User ID and/or Password has been lost or stolen. Telephoning is the best way to limit your potential losses; there is the potential of losing all of the money in your deposit account(s). If you inform us within two business days after you have learned of the loss or theft, you can lose no more than $50 from your deposit account; however, if we are NOT informed within two business days and we can prove that we could have stopped someone from using your login credentials without your permission if you had told us, you could lose as much as $500. If you think your deposit account statement is wrong or if you need more information about a transaction listed on the deposit account statement, contact us immediately: (i) Write to us at Superior National Bank, P.O. Box 450, Hancock, MI 49930, (ii) Call us during normal business hours at 866.482.0404, or (iii) please use one of two methods to send us a secure email message: 1. While logged into Online Banking, click on Contact us in the Customer Service tab and fill message out accordingly or 2. Click on the Contact link found on the homepage of our website, then Secure Form to contact us (you will need to register) – this will allow you to send a secure message directly to the Online Banking Inbox. E-mail may not be used to make transfer or stop payment requests. If you need to contact us immediately, please call during normal business hours. 1. We must hear from you no later than 60 days after we sent the FIRST deposit account statement on which the problem or error appeared. This formal complaint must include: a) Your name and deposit account number. b) Describe the error or 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. c) Tell us the dollar amount of the suspected error. 2. If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days after we hear from you. 3. We will tell you the results of our investigation within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error so that you will have 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 10 business days, we may not credit your account. 4. We will tell you the results within 3 business days after completing our investigation. If we decide 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 Liability for Unauthorized Transfers from Deposit Account. Please inform us IMMEDIATELY if you believe your User ID and/or Password has been lost or stolen. Telephoning is the best way to limit your potential losses; there is the potential of losing all of the money in your deposit account(s). If you inform us within two business days after you have learned of the loss or theft, you can lose no more than $50 from your deposit account; however, if we are NOT informed within two business days and we can prove that we could have stopped someone from using your login credentials without your permission if you had told us, you could lose as much as $500. If you think your deposit account statement is wrong or if you need more information about a transaction listed on the deposit account statement, contact us immediately: (i) Write to us at Superior National Bank, P.O. Box 450, Hancock, MI 49930, (ii) Call us during normal business hours at 866.482.0404(000) 000-0000 or toll-free at 1-866-482- 0404, or (iii) please use one of two methods to send us a secure email message: 1. While logged into Online Banking, click on Contact us in the Customer Service tab and fill message out accordingly or 2. Click on the Contact link found on the homepage of our website, then Secure Form to contact us (you will need to register) – this will allow you to send a secure message directly to the Online Banking Inbox. E-mail may not be used to make transfer or stop payment requests. If you need to contact us immediately, please call during normal business hours. 1. We must hear from you no later than 60 days after we sent the FIRST deposit account statement on which the problem or error appeared. This formal complaint must include: a) Your name and deposit account number. b) Describe the error or 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. c) Tell us the dollar amount of the suspected error. 2. If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days after we hear from you. 3. We will tell you the results of our investigation within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error so that you will have 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 10 business days, we may not credit your account. 4. We will tell you the results within 3 business days after completing our investigation. If we decide 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 Liability for Unauthorized Transfers from Deposit Account. Please inform us IMMEDIATELY if you believe your User ID and/or Password has been lost or stolen. Telephoning is the best way to limit your potential losses; there is the potential of losing all of the money in your deposit account(s). If you inform us within two business days after you have learned of the loss or theft, you can lose no more than $50 from your deposit account; however, if we are NOT informed within two business days and we can prove that we could have stopped someone from using your login credentials without your permission if you had told us, you could lose as much as $500. If you think your deposit account statement is wrong or if you need more information about a transaction listed on the deposit account statement, contact us immediately: (i) Write to us at Superior National Bank, P.O. Box 450, HancockXxxxxxx, MI 49930, (ii) Call us during normal business hours at 866.482.0404, or (iii) please use one of two methods to send us a secure email message: 1. While logged into Online Banking, click on Contact us in the Customer Service tab and fill message out accordingly or 2. Click on the Contact link found on the homepage of our website, then Secure Form to contact us (you will need to register) – this will allow you to send a secure message directly to the Online Banking Inbox. E-mail may not be used to make transfer or stop payment requests. If you need to contact us immediately, please call during normal business hours. 1. We must hear from you no later than 60 days after we sent the FIRST deposit account statement on which the problem or error appeared. This formal complaint must include: a) Your name and deposit account number. b) Describe the error or 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. c) Tell us the dollar amount of the suspected error. 2. If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days after we hear from you. 3. We will tell you the results of our investigation within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error so that you will have 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 10 business days, we may not credit your account. 4. We will tell you the results within 3 business days after completing our investigation. If we decide 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.