Common use of Disclosure of Account Information to Third Parties Clause in Contracts

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we will not disclose any information to third parties about you or your account or the EFTs you make, except in the following situations: Where it is necessary for completing transfers; In order to verify the condition and existence of your account for a third party such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Notice; or If you give us your written permission. In Case of Errors or Questions About Your EFTs. If you think your statement is wrong or if you need more information about a transfer listed on your statement, telephone us at once at 0-000-000-0000 or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time). (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , the FIRST statement on which the problem or error appeared. Tell us your name and account number. 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 and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further information. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified us. We will try to determine whether an error occurred within 10 business days after we hear from you. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified us. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business days, we may not provisionally credit your account. For errors involving new accounts or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may, at no cost, examine and inspect all documents that we used in our investigation. You may also ask for copies of the documents that we used in our investigation. (We may require you to pay us a reasonable fee to cover our related photocopying costs if we decided that there was no error.) If your alleged error concerns a transfer to or from a third party (for example, a transfer to or from another financial institution), our investigation may be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter further.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; or • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; or • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. In Case of Errors ERROR RESOLUTION PROCEDURES These procedures are only for errors or Questions About Your EFTsquestions you have about EFTs from your deposit account(s). If you have questions, or there are errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled “Your Billing Rights.” In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a transfer listed on your statement, telephone us at once at 0-000-000-0000 the deposit statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , sent you the FIRST deposit statement on which the problem or error appeared. • Tell us your name and account number. • Describe the 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 date, type and dollar amount of the suspected error and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usBusiness Days. We will try to determine whether an error occurred within 10 business days Business Days after we hear from youyou and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified usquestion. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business daysBusiness Days, we may not provisionally credit your account. For errors involving new accounts accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for For new accounts, we may take up to 20 business days Business Days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days Business Days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may, at no cost, examine and inspect all may ask for copies of documents that we used in our investigation. You may also ask for copies of ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion. For your own safety when using an ATM or night deposit facility, keep in mind the documents that we used in our investigation. (We may require you to pay us a reasonable fee to cover our related photocopying costs if we decided that there was no error.) If your alleged error concerns a transfer to or from a third party (for example, a transfer to or from another financial institution), our investigation may be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter further.following suggestions:

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. Regulatory Authority – If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Division of Financial Institutions at X.X. Xxx 00000, Xxxxxxx, XX 00000. Unauthorized Transfers – In Case case of Errors errors or Questions About Your EFTs. If questions about your electronic funds transfers, call or write us at the telephone number or address listed in this disclosure, 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 your statement, telephone us at once at 0-000-000-0000 the statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to sent the Consent Statement , the statement FIRST statement on which the problem or error appeared. Be sure to: • Tell us your name and account numbernumber (if any). • Describe the 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 and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usdays. We will try to determine whether an error occurred tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from youyou and will correct any error promptly. If we need more time, time however, we may take up to 45 calendar days (90 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question following the date you notified usquestions. If we decide to do this, this we will provisionally credit recredit your account within 10 business days following (20 business days if the date you notified us transfer involved a point-of-sale transaction or a foreign initiated transfer) 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 10 business days, we may not provisionally credit recredit your account. For errors involving new accounts or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may, at no cost, examine and inspect all documents that we used in our investigation. You may also ask for copies of the documents that we used in our investigation. (We may require For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, XX 00000 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX University of Michigan Credit Union FI-to-FI Transfer Service Agreement and Disclosure General Description Within Online Banking, you have the option of participating in the Financial Institution to Financial Institution Service in accordance with the terms and conditions of this Agreement. The Financial Institution to Financial Institution Service allows you to pay us transfer funds between your personal deposit checking accounts at University of Michigan Credit Union (UMCU) and certain deposit or investment accounts at other U.S. financial institutions. An inbound transfer moves funds into an account you own at UMCU from an account outside UMCU. An outbound transfer moves funds from an account you own at UMCU to an account outside UMCU. Please read this Agreement and Disclosure carefully. It includes your rights and obligations, as well as those of UMCU. The terms and conditions of this Agreement are in addition to the account agreements, disclosures, fee schedules, and other documents in effect from time to time governing your account(s). By enrolling and/or using the Financial Institution to Financial Institution Service, or authorizing another party to use the Service, you agree to comply with the terms and conditions of this Agreement. You also acknowledge by using this Service that you have downloaded, printed, or otherwise received a reasonable fee copy of the terms and conditions and that you understand them. You also agree to cover our related photocopying costs if we decided all future updates to the Agreement and Disclosure. Any changes to the Agreement and Disclosure will be available at xxxx.xxx or by contacting UMCU. Your initial use of the Financial Institution to Financial Institution Service constitutes your acceptance and agreement to be bound by all the terms and conditions of this Agreement and by all other UMCU Documents relating to your accounts and acknowledge your receipt and understanding of this Agreement. Enrollment/Eligibility You must be enrolled in Online Banking Services to use the Financial Institution to Financial Institution Service. The Financial Institution to Financial Institution Service is not available for some accounts, e.g., irrevocable trust accounts, custodial accounts or guardianship accounts. You must be at least 18 years of age in order to request the Financial Institution to Financial Institution Service. Your UMCU account(s) must be open at least 30 days and be in good standing. You will need to provide certain identifying information about each non-UMCU account in order to register that there was no error.) If your alleged error concerns a transfer account for this service. Before you can begin making transfers to or from a third party (for example, a transfer to or from an account held at another financial institution), our investigation the account you wish to use must be verified. We will tell you when we enable Financial Institution to Financial Institution transfers what your verification method will be. The external account may be limited to receive a review of our own recordssmall ACH credit for an undisclosed amount. If this verification method is used, you will need to enter the amount of the credit in the FI Transfer Section within seven days in order to complete the verification process. Transaction Routing and Compliance You agree that UMCU may use any means or routes which we decide in our sole discretion consider suitable to execute your transfer. You agree that there was no errorall transfers will be subject to applicable U.S. federal laws and regulations, Federal Reserve operating circulars governing payment orders, and National Automated Clearing House Association rules. Initiating and Scheduling Transfers After the verification process is complete, you may begin establishing transfers. Transfers can be scheduled on either a one-time or a recurring basis. Processing of one-time transfers may be initiated immediately or scheduled for initiation on a future date. Transfers may be scheduled in advance. The recurring transfer feature may be used when a set amount is transferred at regular intervals. For example, you may schedule a $500 transfer from an account you own at another financial institution to your Community Financial checking account every other week on a specified week day. For one-time and recurring transfers you will be asked to select the date that you want us to contact such third party to pursue initiate the matter furtherprocessing of the transfer. One-time future-dated or recurring transfers scheduled for a weekend or a non-business day will be processed on the next business day.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; or • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; or • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. In Case of Errors ERROR RESOLUTION PROCEDURES These procedures are only for errors or Questions About Your EFTsquestions you have about EFTs from your deposit account(s). If you have questions, or there are errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled “Your Billing Rights.” In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a transfer listed on your statement, telephone us at once at 0-000-000-0000 the deposit statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , sent you the FIRST deposit statement on which the problem or error appeared. • Tell us your name and account number. • Describe the 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 date, type and dollar amount of the suspected error and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usBusiness Days. We will try to determine whether an error occurred within 10 business days Business Days after we hear from youyou and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified usquestion. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business daysBusiness Days, we may not provisionally credit your account. For errors involving new accounts accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for For new accounts, we may take up to 20 business days Business Days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days Business Days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may, at no cost, examine and inspect all may ask for copies of documents that we used in our investigation. You may also ask charge $1.00 for copies of the documents that we used in our investigationeach withdrawal or transfer over three. (We may require FEES CHARGED BY OTHERS When you to pay use an ATM not owned by us a reasonable fee to cover our related photocopying costs if we decided that there was no error.) If your alleged error concerns a transfer to or from a third party (for example, a transfer to or from another financial institution), our investigation you may be limited to charged a review of our own records. If we decide that there was no error, fee by the ATM operator (or any network used) and you may want to contact such third party to pursue the matter furtherbe charged a fee for a balance inquiry even if you do not complete a fund transfer.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations:  Where it is necessary for completing transfers; or  In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; or  In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or  If you give us your written permission. In Case of Errors ERROR RESOLUTION PROCEDURES These procedures are only for errors or Questions About Your EFTsquestions you have about EFTs from your deposit account(s). If you have questions, or there are errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled “Your Billing Rights.” In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a transfer listed on your statement, telephone us at once at 0-000-000-0000 the deposit statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , sent you the FIRST deposit statement on which the problem or error appeared.  Tell us your name and account number.  Describe the 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 date, type and dollar amount of the suspected error and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usBusiness Days. We will try to determine whether an error occurred within 10 business days Business Days after we hear from youyou and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified usquestion. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business daysBusiness Days, we may not provisionally credit your account. For errors involving new accounts accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for For new accounts, we may take up to 20 business days Business Days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days Business Days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may, at no cost, examine and inspect all may ask for copies of documents that we used in our investigation. You may also ask for copies of ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion. For your own safety when using an ATM or night deposit facility, keep in mind the documents that we used in our investigation. (We may require you to pay us a reasonable fee to cover our related photocopying costs if we decided that there was no error.) If your alleged error concerns a transfer to or from a third party (for example, a transfer to or from another financial institution), our investigation may be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter further.following suggestions:

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; or • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; or • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. In Case of Errors ERROR RESOLUTION PROCEDURES These procedures are only for errors or Questions About Your EFTsquestions you have about EFTs from your deposit account(s). If you have questions, or there are errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled “Your Billing Rights.” In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a transfer listed on your statement, telephone us at once at 0-000-000-0000 the deposit statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , sent you the FIRST deposit statement on which the problem or error appeared. • Tell us your name and account number. • Describe the 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 date, type and dollar amount of the suspected error and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usBusiness Days. We will try to determine whether an error occurred within 10 business days Business Days after we hear from youyou and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified usquestion. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business daysBusiness Days, we may not provisionally credit your account. For errors involving new accounts accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for For new accounts, we may take up to 20 business days Business Days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days Business Days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may, at no cost, examine and inspect all may ask for copies of documents that we used in our investigation. You may also ask for copies of the documents that we used in our investigation. (We may require When you to pay use an ATM not owned by us a reasonable fee to cover our related photocopying costs if we decided that there was no error.) If your alleged error concerns a transfer to or from a third party (for example, a transfer to or from another financial institution), our investigation you may be limited to charged a review of our own records. If we decide that there was no error, fee by the ATM operator (or any network used) and you may want to contact such third party to pursue the matter furtherbe charged a fee for a balance inquiry even if you do not complete a fund transfer.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; or • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; or • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. In Case of Errors ERROR RESOLUTION PROCEDURES These procedures are only for errors or Questions About Your EFTsquestions you have about EFTs from your deposit account(s). If you have questions, or there are errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled “Your Billing Rights.” In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a transfer listed on your statement, telephone us at once at 0-000-000-0000 the deposit statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , sent you the FIRST deposit statement on which the problem or error appeared. • Tell us your name and account number. • Describe the 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 date, type and dollar amount of the suspected error and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usdays. We will try to determine whether an error occurred within 10 business days after we hear from youyou and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified usquestion. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business days, we may not provisionally credit your account. For errors involving new accounts accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may, at no cost, examine and inspect all may ask for copies of documents that we used in our investigation. You If you have any questions regarding this Agreement, or our current fee schedule, write to us at Commerce Bank, 0000 Xxxxx 000xx Xxxxxx, Xxxxx, XX 00000, or call us at 0-000-000-0000. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Prime Rate plus 3.99% to 13.99% based on your creditworthiness when you open your Account. After that, your APR will vary with the market based on the Prime Rate. APR for Balance Transfers or Convenience Checks Prime Rate plus 3.99% to 13.99% based on your creditworthiness when you open your Account. After that, your APR will vary with the market based on the Prime Rate. APR for Cash Advances (Non-Overdraft & Overdraft) Prime Rate plus 15.99% for Non-Overdraft Cash Advances. Prime Rate plus 15.99% for Overdraft Cash Advances. These APRs will vary with the market based on the Prime Rate. Penalty APR and When it Applies Prime Rate plus 21.99% This APR will vary with the market based on the Prime Rate. This APR may also ask for copies be applied to your Account if you fail to make the required minimum monthly payment within 60 days of the documents that we used in our investigationrespective payment due date. (We may require you to pay us a reasonable fee to cover our related photocopying costs if we decided that there was no error.) How Long Will the Penalty APR Apply?: If your alleged error concerns a transfer to or from a third party (APRs are increased for examplethis reason, a transfer to or from another financial institution)the Penalty APR will apply until you make five consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases if you pay the entire balance by the due date each month. We will begin charging interest on Cash Advances, our investigation may Balance Transfers, and Convenience Checks on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter furtherless than $2.50.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations:  Where it is necessary for completing transfers; or  In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; or  In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or  If you give us your written permission. In Case of Errors ERROR RESOLUTION PROCEDURES These procedures are only for errors or Questions About Your EFTsquestions you have about EFTs from your deposit account(s). If you have questions, or there are errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled “Your Billing Rights.” In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a transfer listed on your statement, telephone us at once at 0-000-000-0000 the deposit statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , sent you the FIRST deposit statement on which the problem or error appeared.  Tell us your name and account number.  Describe the 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 date, type and dollar amount of the suspected error and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usBusiness Days. We will try to determine whether an error occurred within 10 business days Business Days after we hear from youyou and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified usquestion. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business daysBusiness Days, we may not provisionally credit your account. For errors involving new accounts accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for For new accounts, we may take up to 20 business days Business Days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days Business Days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may, at no cost, examine and inspect all may ask for copies of documents that we used in our investigation. You may also ask balance inquiry you make at ATMs other than Commerce’s; however, there will be no ATM charge by us for copies of the documents that we used in our investigationcredit card Cash Advances. (We may require you to pay us a reasonable fee to cover our related photocopying costs if we decided that there was no error.) If your alleged error concerns account is a regular savings account and you make more than three withdrawals or transfers during the deposit statement cycle, we will charge $1.00 for each withdrawal or transfer to or from a third party (for example, a transfer to or from another financial institution), our investigation over three. FEES CHARGED BY OTHERS When you use an ATM not owned by us you may be limited to charged a review of our own records. If we decide that there was no error, fee by the ATM operator (or any network used) and you may want to contact such third party to pursue the matter furtherbe charged a fee for a balance inquiry even if you do not complete a fund transfer.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we will not disclose any ‌ You authorize us to share information to third parties about you or and your account with affiliates and third parties, unless the law or the EFTs you make, except in the following situations: Where it is necessary our Privacy Policy prohibits us from doing so. Please see our Privacy Policy for completing transfers; In order to verify the condition and existence of your account for a third party such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Notice; or If you give us your written permissionchoices about information sharing. In Case of Errors or Questions About about Your EFTs. If EFT Please call us at 000-000-0000, send us a secure message through our secure online banking portal or write us at Citizens Access, PO Box 2005, Cranberry TWP., PA 16066 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a an electronic funds transfer listed on your statement, telephone us at once at 0-000-000-0000 the statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , sent you the FIRST statement on which the error or problem or error appeared. Please provide us with the following information: • Tell us your name and account number. number (if any) • Describe the error or the transfer you are unsure about about, and explain it as clearly as you can why you believe it is an error or why you need more information. information • Tell us the dollar amount of the suspected error and, if possible, the date it appeared on your statement. statement or receipt • It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further information. information If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date ten (10) Business Days after you have notified us. We will try to determine whether an error occurred within 10 business days Business Days after we hear from youyou and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 calendar forty-five (45) days to investigate your complaint or question following the date you notified us. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business daysten (10) Business Days, we may not provisionally credit your account. For errors involving new accounts or foreign-initiated transactionsaccounts, we may take up to 90 calendar ninety (90) days to investigate your complaint or question. Also, for For new accounts, we may take up to 20 business days twenty (20) Business Days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” error for electronic funds transfers occurring during the first 30 calendar days after the first deposit is mademade to your account. We will tell provide you the results of our investigation within three business days (3) Business Days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide it is determined that there was no error, error we will send mail you a written explanation within three business days after we finish our investigationexplanation. You may, at no cost, examine and inspect all may ask for copies of documents that we used in our investigation. You may also ask for copies of the documents that we used in our investigation. (We may require revoke any credit provided to you to pay us a reasonable fee to cover our related photocopying costs if we decided that there was no errorfind an error did not occur.) If your alleged error concerns a transfer to or from a third party (for example, a transfer to or from another financial institution), our investigation may be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter further.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; or • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; or • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. In Case of Errors ERROR RESOLUTION PROCEDURES These procedures are only for errors or Questions About Your EFTsquestions you have about EFTs from your deposit account(s). If you have questions, or there are errors in connection with your credit card services on this Account, follow the error resolution procedures shown above and titled “Your Billing Rights.” In case of errors or questions about your electronic transfers, call us or write us at the phone number or address listed at the top of your deposit statement as soon as you can, if you think your deposit statement or receipt is wrong or if you need more information about a transfer listed on your statement, telephone us at once at 0-000-000-0000 the deposit statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to the Consent Statement , sent you the FIRST deposit statement on which the problem or error appeared. • Tell us your name and account number. • Describe the 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 date, type and dollar amount of the suspected error and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usBusiness Days. We will try to determine whether an error occurred within 10 business days Business Days after we hear from youyou and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified usquestion. If we decide to do this, we will provisionally credit your account within 10 business days following the date you notified us 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 10 business daysBusiness Days, we may not provisionally credit your account. For errors involving new accounts accounts, point-of-sale or foreign-foreign- initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for For new accounts, we may take up to 20 business days Business Days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days Business Days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may, at no cost, examine and inspect all may ask for copies of documents that we used in our investigation. You may also ask for copies of the documents that we used in our investigation. (We may require you to pay us a reasonable fee to cover our related photocopying costs if we decided that there was no error.) If your alleged error concerns a transfer to or from a third party (for example, a transfer to or from another financial institution), our investigation may be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter further.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. Regulatory Authority – If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Division of Financial Institutions at X.X. Xxx 00000, Xxxxxxx, XX 00000. Unauthorized Transfers – In Case case of Errors errors or Questions About Your EFTs. If questions about your electronic funds transfers, call or write us at the telephone number or address listed in this disclosure, 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 your statement, telephone us at once at 0-000-000-0000 the statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to sent the Consent Statement , the statement FIRST statement on which the problem or error appeared. Be sure to: • Tell us your name and account numbernumber (if any). • Describe the 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 and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usdays. We will try to determine whether an error occurred tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from youyou and will correct any error promptly. If we need more time, time however, we may take up to 45 calendar days (90 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question following the date you notified usquestions. If we decide to do this, this we will provisionally credit recredit your account within 10 business days following (20 business days if the date you notified us transfer involved a point-of-sale transaction or a foreign initiated transfer) 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 10 business days, we may not provisionally credit recredit your account. For errors involving new accounts or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may, at no cost, examine and inspect all documents that we used in our investigation. You may also ask for copies of the documents that we used in our investigation. (We may require For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, XX 00000 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX University of Michigan Credit Union FI-to-FI Transfer Service Agreement and Disclosure General Description Within Online Banking, you have the option of participating in the Financial Institution to Financial Institution Service in accordance with the terms and conditions of this Agreement. The Financial Institution to Financial Institution Service allows you to pay us transfer funds between your personal deposit checking accounts at University of Michigan Credit Union (UMCU) and certain deposit or investment accounts at other U.S. financial institutions. An inbound transfer moves funds into an account you own at UMCU from an account outside UMCU. An outbound transfer moves funds from an account you own at UMCU to an account outside UMCU. Please read this Agreement and Disclosure carefully. It includes your rights and obligations, as well as those of UMCU. The terms and conditions of this Agreement are in addition to the account agreements, disclosures, fee schedules, and other documents in effect from time to time governing your account(s). By enrolling and/or using the Financial Institution to Financial Institution Service, or authorizing another party to use the Service, you agree to comply with the terms and conditions of this Agreement. You also acknowledge by using this Service that you have downloaded, printed, or otherwise received a reasonable fee copy of the terms and conditions and that you understand them. You also agree to cover our related photocopying costs if we decided all future updates to the Agreement and Disclosure. Any changes to the Agreement and Disclosure will be available at xxxx.xxx or by contacting UMCU. Your initial use of the Financial Institution to Financial Institution Service constitutes your acceptance and agreement to be bound by all the terms and conditions of this Agreement and by all other UMCU Documents relating to your accounts and acknowledge your receipt and understanding of this Agreement. Enrollment/Eligibility You must be enrolled in Online Banking Services to use the Financial Institution to Financial Institution Service. The Financial Institution to Financial Institution Service is not available for some accounts, e.g., irrevocable trust accounts, custodial accounts or guardianship accounts. You must be at least 18 years of age in order to request the Financial Institution to Financial Institution Service. Your UMCU account(s) must be open at least 30 days and be in good standing. You will need to provide certain identifying information about each non-UMCU account in order to register that there was no error.) If your alleged error concerns a transfer account for this service. Before you can begin making transfers to or from a third party (for example, a transfer to or from an account held at another financial institution), our investigation the account you wish to use must be verified. We will tell you when we enable Financial Institution to Financial Institution transfers what your verification method will be. The external account may be limited to receive a review of our own recordssmall ACH credit for an undisclosed amount. If this verification method is used, you will need to enter the amount of the credit in the FI Transfer Section within seven days in order to complete the verification process. Transaction Routing and Compliance You agree that UMCU may use any means or routes which we decide in our sole discretion consider suitable to execute your transfer. You agree that there was no errorall transfers will be subject to applicable U.S. federal laws and regulations, Federal Reserve operating circulars governing payment orders, and National Automated Clearing House Association rules. Initiating and Scheduling Transfers After the verification process is complete, you may begin establishing transfers. Transfers can be scheduled on either a one-time or a recurring basis. Processing of one-time transfers may be initiated immediately or scheduled for initiation on a future date. Transfers may be scheduled in advance. The recurring transfer feature may be used when a set amount is transferred at regular intervals. For example, you may schedule a $500 transfer from an account you own at another financial institution to your University of Michigan Credit Union checking account every other week on a specified week day. For one-time and recurring transfers you will be asked to select the date that you want us to contact such third party to pursue initiate the matter furtherprocessing of the transfer. One-time future-dated or recurring transfers scheduled for a weekend or a non-business day will be processed on the next business day.

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. Regulatory Authority – If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Division of Financial Institutions at X.X. Xxx 00000, Xxxxxxx, XX 00000. Unauthorized Transfers – In Case case of Errors errors or Questions About Your EFTs. If questions about your electronic funds transfers, call or write us at the telephone number or address listed in this disclosure, 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 your statement, telephone us at once at 0-000-000-0000 the statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to sent the Consent Statement , the statement FIRST statement on which the problem or error appeared. Be sure to: • Tell us your name and account numbernumber (if any). • Describe the 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 and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usdays. We will try to determine whether an error occurred tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from youyou and will correct any error promptly. If we need more time, time however, we may take up to 45 calendar days (90 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question following the date you notified usquestions. If we decide to do this, this we will provisionally credit recredit your account within 10 business days following (20 business days if the date you notified us transfer involved a point-of-sale transaction or a foreign initiated transfer) 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 10 business days, we may not provisionally credit recredit your account. For errors involving new accounts or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days after completing our investigation. We will correct any error within one business day of determining that an error occurred. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may, at no cost, examine and inspect all documents that we used in our investigation. You may also ask for copies of the documents that we used in our investigation. (We may require For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, XX 00000 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX R 11/18 University of Michigan Credit Union FI−to−FI Transfer Service Agreement and Disclosure General Description Within Online Banking, you have the option of participating in the Financial Institution to Financial Institution Service in accordance with the terms and conditions of this Agreement. The Financial Institution to Financial Institution Service allows you to pay us transfer funds between your personal deposit checking accounts at University of Michigan Credit Union (UMCU) and certain deposit or investment accounts at other U.S. financial institutions. An inbound transfer moves funds into an account you own at UMCU from an account outside UMCU. An outbound transfer moves funds from an account you own at UMCU to an account outside UMCU. Please read this Agreement and Disclosure carefully. It includes your rights and obligations, as well as those of UMCU. The terms and conditions of this Agreement are in addition to the account agreements, disclosures, fee schedules, and other documents in effect from time to time governing your account(s). By enrolling andƒor using the Financial Institution to Financial Institution Service, or authorizing another party to use the Service, you agree to comply with the terms and conditions of this Agreement. You also acknowledge by using this Service that you have downloaded, printed, or otherwise received a reasonable fee copy of the terms and conditions and that you understand them. You also agree to cover our related photocopying costs if we decided all future updates to the Agreement and Disclosure. Any changes to the Agreement and Disclosure will be available at xxxx.xxx or by contacting UMCU. Your initial use of the Financial Institution to Financial Institution Service constitutes your acceptance and agreement to be bound by all the terms and conditions of this Agreement and by all other UMCU Documents relating to your accounts and acknowledge your receipt and understanding of this Agreement. Enrollment/Eligibility You must be enrolled in Online Banking Services to use the Financial Institution to Financial Institution Service. The Financial Institution to Financial Institution Service is not available for some accounts, e.g., irrevocable trust accounts, custodial accounts or guardianship accounts. You must be at least 18 years of age in order to request the Financial Institution to Financial Institution Service. Your UMCU account(s) must be open at least 30 days and be in good standing. You will need to provide certain identifying information about each non−UMCU account in order to register that there was no error.) If your alleged error concerns a transfer account for this service. Before you can begin making transfers to or from a third party (for example, a transfer to or from an account held at another financial institution), our investigation the account you wish to use must be verified. We will tell you when we enable Financial Institution to Financial Institution transfers what your verification method will be. The external account may be limited to receive a review of our own recordssmall ACH credit for an undisclosed amount. If we decide that there was no errorthis verification method is used, you will need to enter the amount of the credit in the FI Transfer Section within seven days in order to complete the verification process. Transaction Routing and Compliance You agree that UMCU may want use any means or routes which we in our sole discretion consider suitable to contact such third party execute your transfer. You agree that all transfers will be subject to pursue the matter further.applicable U.S. federal laws and regulations, Federal Reserve operating circulars governing payment orders, and National Automated Clearing House Association rules. 4ƒ25ƒ19

Disclosure of Account Information to Third Parties. In order that your privacy may be protected, we We will not disclose any information to third parties about you or your account or the EFTs transfers you make, except in the following situations: • Where it is necessary for completing transfers; • In order to verify the existence and condition and existence of your account for a third party party, such as a credit bureau or merchant; To persons authorized by law in the course of their official duties; To a consumer reporting agency as defined and permitted by applicable law; • In order to comply with government agency or court orders such as a lawful subpoena; To our employees, auditors, service providers, attorneys or collection agents in the course of their duties; As disclosed in our GLBA Privacy Noticeorders; or • If you give us your written permission. Regulatory Authority – If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Division of Financial Institutions at X.X. Xxx 00000, Xxxxxxx, XX 00000. Unauthorized Transfers – In Case case of Errors errors or Questions About Your EFTs. If questions about your electronic funds transfers, call or write us at the telephone number or address listed in this disclosure, 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 your statement, telephone us at once at 0-000-000-0000 the statement or write to us as soon as possible at X.X. Xxx 00000, Xxxx Xxxx Xxxx, XX 00000-0000 (or such other address as we may provide to you from time to time)receipt. (Please note that e-mail, SMS/text or online notification will not meet the notice requirements of this section.) We must hear from you no later than 60 calendar days after we sent, or made available electronically pursuant to sent the Consent Statement , the statement FIRST statement on which the problem or error appeared. Be sure to: • Tell us your name and account numbernumber (if any). • Describe the 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 and, if possible, the date it appeared on your statement. It will be helpful to us if you also give us a telephone number at which you can be reached in case we need any further informationerror. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days following the date you notified usdays. We will try to determine whether an error occurred tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from youyou and will correct any error promptly. If we need more time, time however, we may take up to 45 calendar days (90 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question following the date you notified usquestions. If we decide to do this, this we will provisionally credit recredit your account within 10 business days following (20 business days if the date you notified us transfer involved a point-of-sale transaction or a foreign initiated transfer) 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 10 business days, we may not provisionally credit your account. For errors involving new accounts or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. Also, for new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of this paragraph, your account is considered a “new account” for the first 30 calendar days after the first deposit is made. We will tell you the results of our investigation within three business days after completing our investigation. We will correct any error within one business day of determining that an error occurredrecredit youraccount. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may, at no cost, examine and inspect all documents that we used in our investigation. You may also ask for copies of the documents that we used in our investigation. (We may require For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, XX 00000 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX University of Michigan Credit Union FI-to-FI Transfer Service Agreement and Disclosure General Description Within Online Banking, you have the option of participating in the Financial Institution to Financial Institution Service in accordance with the terms and conditions of this Agreement. The Financial Institution to Financial Institution Service allows you to pay us a reasonable transfer funds between your personal deposit checking accounts at University of Michigan Credit Union (UMCU) and certain deposit or investment accounts at other U.S. financial institutions. An inbound transfer moves funds into an account you own at UMCU from an account outside UMCU. An outbound transfer moves funds from an account you own at UMCU to an account outside UMCU. Please read this Agreement and Disclosure carefully. It includes your rights and obligations, as well as those of UMCU. The terms and conditions of this Agreement are in addition to the account agreements, disclosures, fee schedules, and other documents in effect from time to cover our related photocopying costs if we decided that there was no error.) If time governing your alleged error concerns a transfer account(s). By enrolling and/or using the Financial Institution to Financial Institution Service, or from a third authorizing another party (for example, a transfer to or from another financial institution), our investigation may be limited to a review of our own records. If we decide that there was no erroruse the Service, you may want agree to contact such third party comply with the terms and conditions of this Agreement. You also acknowledge by using this Service that you have downloaded, printed, or otherwise received a copy of the terms and conditions and that you understand them. You also agree to pursue all future updates to the matter furtherAgreement and Disclosure. Any changes to the Agreement and Disclosure will be available at xxxx.xxx or by contactingUMCU. Your initial use of the Financial Institution to Financial Institution Service constitutes your acceptance and agreement to be bound by all the terms and conditions of this Agreement and by all other UMCU Documents relating to your accounts and acknowledge your receipt and understanding of this Agreement.