Common use of Disclosure of Information About Your Account Clause in Contracts

Disclosure of Information About Your Account. In order to protect your privacy, we will not disclose any information about your account to any third party, except in the following situations: • Where the other person is a party to the transfer, or where it is necessary for completing the transfer • Where the other person is authorized by law to have access to our records in the course of his or her official duties • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant • To comply with a court order or lawful subpoena • To an auditor, attorney, or collection agent for the Bank • To a Bank service provider for the purpose of servicing your account • If you give us your written permission (provided that such permission shall expire after 45 calendar days) If any other disclosure is made, we must inform you within 3 calendar days after we discover that it has occurred. Telephone or write to us at the telephone number or address listed under “How to Contact Us” in Part IX of this Personal Deposit Account Agreement if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 calendar days after we sent you the FIRST statement on which the problem 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 and date of the suspected error. If the report is made orally, we may require that you send the complaint or question in writing within 10 business days following the date you notified us. We determine whether an error occurred within 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 45 calendar 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 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 might not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days of completing our investigation. If we determine that there was no error, we will send you a written explanation and debit the amount of the provisional credit. You may, at no cost, examine and inspect all documents that we used in our investigation. You may also, for a reasonable fee to cover our photocopying costs, ask for copies of the documents that we used in our investigation. We will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from your account (without charge to you as a result of an overdraft, up to the amount of the provisional credit that was debited) for 5 business days after the notification. If your question or error involves a transfer or payment to a third party, our investigation will generally be limited to a review of our own records. received by a payee outside the United States. Subject to certain limitations, the following errors and problems are generally covered: • The wrong amount was charged to your account. • The beneficiary received the wrong amount. • The beneficiary did not receive the funds. • The funds were not available to the beneficiary by the date of availability we disclosed to you.

Disclosure of Information About Your Account. In order to protect your privacy, we will not disclose any information about your account to any third party, except in the following situations: • Where the other person is a party to the transfer, or where it is necessary for completing the transfer • Where the other person is authorized by law to have access to our records in the course of his or her official duties • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant • To comply with a court order or lawful subpoena • To an auditor, attorney, or collection agent for the Bank • To a Bank service provider for the purpose of servicing your account • If you give us your written permission (provided that such permission shall expire after 45 calendar days) If any other disclosure is made, we must inform you within 3 calendar days after we discover that it has occurred. Telephone or write to us at the telephone number or address listed under “How to Contact Us” in Part IX of this Personal Deposit Account Agreement if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 calendar days after we sent you the FIRST statement on which the problem 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 and date of the suspected error. If the report is made orally, we may require that you send the complaint or question in writing within 10 business days following the date you notified us. We determine whether an error occurred within 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 45 calendar 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 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 might not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days of completing our investigation. If we determine that there was no error, we will send you a written explanation and debit the amount of the provisional credit. You may, at no cost, examine and inspect all documents that we used in our investigation. You may also, for a reasonable fee to cover our photocopying costs, ask for copies of the documents that we used in our investigation. We will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from your account (without charge to you as a result of an overdraft, up to the amount of the provisional credit that was debited) for 5 business days after the notification. If your question or error involves a transfer or payment to a third party, our investigation will generally be limited to a review of our own records. $15 that you instruct us to make primarily for personal, family, or household purposes and that are to be received by a payee outside the United States. Subject to certain limitations, the following errors and problems are generally covered: • The wrong amount was charged to your account. • The beneficiary received the wrong amount. • The beneficiary did not receive the funds. • The funds were not available to the beneficiary by the date of availability we disclosed to you.

Disclosure of Information About Your Account. In order to protect your privacy, we will not disclose any information about your account to any third party, except in the following situations: • Where the other person is a party to the transfer, or where it is necessary for completing the transfer • Where the other person is authorized by law to have access to our records in the course of his or her official duties • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant • To comply with a court order or lawful subpoena • To an auditor, attorney, attorney or collection agent for the Bank • To a Bank service provider for the purpose of servicing your account • If you give us your written permission (provided that such permission shall expire after 45 calendar days) . If any other disclosure is made, we must inform you within 3 calendar days after we discover that it has occurred. Telephone or write to us at the telephone number or address listed under “How to Contact Us” in Part IX at the end of this Personal Deposit Account Agreement if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 calendar days after we sent you the FIRST statement on which the problem 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. information • Tell us the dollar amount and date of the suspected error. error If the report is made orally, we may require that you send the complaint or question in writing within 10 business days following the date you notified us. We determine whether an error occurred within 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 45 calendar 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 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 might not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days of completing our investigation. If we determine that there was no error, we will send you a written explanation and debit the amount of the provisional credit. You may, at no cost, examine and inspect all documents that we used in our investigation. You may also, for a reasonable fee to cover our photocopying costs, ask for copies of the documents that we used in our investigation. We will honor checks, drafts, drafts or similar instruments payable to third parties and preauthorized transfers from your account (without charge to you as a result of an overdraft, up to the amount of the provisional credit that was debited) for 5 business days after the notification. If your question or error involves a transfer or payment to a third party, our investigation will be generally be limited to a review of our own records. received by a payee outside the United States. Subject to certain limitations, the following errors and problems are generally covered: • The wrong amount was charged to your account. • The beneficiary received the wrong amount. • The beneficiary did not receive the funds. • The funds were not available to the beneficiary by the date of availability we disclosed to you.