Common use of Electronic Fund Transfer Provisions for Consumers Clause in Contracts

Electronic Fund Transfer Provisions for Consumers. The provisions of this section apply only to electronic fund transfers that debit or credit a Consumer’s deposit account and are subject to Federal Reserve Board’s Regulation E. In case of errors or questions about your transactions related to any Online Service, please contact us as soon as you can by calling one of the numbers listed at the end of this Agreement, writing to us at U.S. Bank Online Banking Customer Service, P.O. Box 5190, Portland, OR 97208, or visiting any U.S. Bank branch. If you think your statement or transaction history is incorrect or you need more information about any Online Service transaction listed in your deposit statement or transaction history, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. You must: • Tell us your name and account number; • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send your complaint or question in writing within ten (10) Business Days after your oral notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we may take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error so that you will have use of the money during the time that it takes us to complete our investigation. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors involving new accounts, we may take up to ninety (90) days to investigate your question and we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of documents used in our investigation.

Electronic Fund Transfer Provisions for Consumers. The provisions of in this section Section F apply only to electronic fund transfers that debit or credit a Consumer’s deposit consumer's checking, savings or other asset account and are subject to the Federal Reserve Board’s 's Regulation E (an "EFT"). American Federal Bank may, when applicable, rely on any exceptions to the provisions in this Section F that are contained in Regulation E. All terms not otherwise defined in this Agreement which are defined in Regulation E will have the same meaning when used in this Section F. Tell us AT ONCE if you believe that your password has been lost or stolen, or if you believe that an EFT has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:  If you tell us within 2 Business Days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your password without your permission.  If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.  Also, if your periodic statement shows transfers that you did not make, including those made by using your password, tell us at once. If you do not tell us within 60 days after the statement was made available, or transmitted to, you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking your money if you had told us on time.  If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You may notify us in writing at American Federal Bank, Attn: Operations, P.O. Box 2946, Fargo, ND 58102 In case of errors or questions about your transactions related to any Online ServiceEFT, please contact telephone us at American Federal Bank at 0-000-000-0000 or the number listed on the statement for your Account, or write us at: American Federal Bank, Attn: Operations, P.O. Box 2946, Fargo, ND 58102, as soon as you can by calling one of the numbers listed at the end of this Agreementcan, writing to us at U.S. Bank Online Banking Customer Service, P.O. Box 5190, Portland, OR 97208, or visiting any U.S. Bank branch. If if you think your statement is wrong or transaction history is incorrect or if you need more information about any Online Service transaction a transfer listed in your deposit statement or transaction history, we on the statement. We must hear from you no later than sixty (60) 60 days after the date we sent send the FIRST first statement on which the problem or error appeared. You must: •  Tell us your name and account number; • number (if any)  Describe the error or the transaction in questiontransfer you are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and • information  Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send your complaint or question in writing within ten (10) 10 Business Days after your oral notificationDays. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 Business Days after we hear from you, you and will correct any error promptly. However, if If we require need more time to confirm the nature conduct our investigation, however, we will notify you of our need for an extension, which may take up to 45 days to investigate your complaint or question, we may take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) 10 Business Days for the amount you think is in error error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) 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 days to investigate your complaint or question. For new accounts, we may take up to ninety (90) days to investigate your question and we may take up to twenty (20) business days 20 Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our the investigation. You have the right to find out whether an EFT was credited or debited to your American Federal Bank Account. Please contact your local American Federal Banker. We will send you a monthly statement if there is an EFT in a particular month. Otherwise, we will send you a statement at least quarterly. You may also access a history of all funds transfers completed or pending at any time by viewing your account activity or statements.

Electronic Fund Transfer Provisions for Consumers. The provisions of in this section Section F apply only to electronic fund transfers that debit or credit a Consumer’s deposit consumer's checking, savings or other asset account and are subject to the Federal Reserve Board’s 's Regulation E (an "EFT"). American Federal Bank may, when applicable, rely on any exceptions to the provisions in this Section F that are contained in Regulation E. All terms not otherwise defined in this Agreement which are defined in Regulation E will have the same meaning when used in this Section F. Tell us AT ONCE if you believe that your password has been lost or stolen, or if you believe that an EFT has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows: • If you tell us within 2 Business Days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your password without your permission. • If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. • Also, if your periodic statement shows transfers that you did not make, including those made by using your password, tell us at once. If you do not tell us within 60 days after the statement was made available, or transmitted to, you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking your money if you had told us on time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You may notify us in writing at American Federal Bank, Attn: Operations, P.O. Box 2946, Fargo, ND 58102 In case of errors or questions about your transactions related to any Online ServiceEFT, please contact telephone us at American Federal Bank at 0-000-000-0000 or the number listed on the statement for your Account, or write us at: American Federal Bank, Attn: Operations, P.O. Box 2946, Fargo, ND 58102, as soon as you can by calling one of the numbers listed at the end of this Agreementcan, writing to us at U.S. Bank Online Banking Customer Service, P.O. Box 5190, Portland, OR 97208, or visiting any U.S. Bank branch. If if you think your statement is wrong or transaction history is incorrect or if you need more information about any Online Service transaction a transfer listed in your deposit statement or transaction history, we on the statement. We must hear from you no later than sixty (60) 60 days after the date we sent send the FIRST first statement on which the problem or error appeared. You must: • Tell us your name and account number; number (if any) • Describe the error or the transaction in questiontransfer you are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and information • Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send your complaint or question in writing within ten (10) 10 Business Days after your oral notificationDays. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 Business Days after we hear from you, you and will correct any error promptly. However, if If we require need more time to confirm the nature conduct our investigation, however, we will notify you of our need for an extension, which may take up to 45 days to investigate your complaint or question, we may take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) 10 Business Days for the amount you think is in error error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) 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 days to investigate your complaint or question. For new accounts, we may take up to ninety (90) days to investigate your question and we may take up to twenty (20) business days 20 Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our the investigation. You have the right to find out whether an EFT was credited or debited to your American Federal Bank Account. Please contact your local American Federal Banker. We will send you a monthly statement if there is an EFT in a particular month. Otherwise, we will send you a statement at least quarterly. You may also access a history of all funds transfers completed or pending at any time by viewing your account activity or statements.

Electronic Fund Transfer Provisions for Consumers. The provisions of in this section Section F apply only to electronic fund transfers that debit or credit a Consumer’s deposit consumer's checking, savings or other asset account and are subject to the Federal Reserve Board’s 's Regulation E (an "EFT"). American Federal Bank may, when applicable, rely on any exceptions to the provisions in this Section F that are contained in Regulation E. All terms not otherwise defined in this Agreement which are defined in Regulation E will have the same meaning when used in this Section F. Tell us AT ONCE if you believe that your password has been lost or stolen, or if you believe that an EFT has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:  If you tell us within 2 Business Days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your password without your permission.  If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.  Also, if your periodic statement shows transfers that you did not make, including those made by using your password, tell us at once. If you do not tell us within 60 days after the statement was made available, or transmitted to, you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking your money if you had told us on time.  If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You may notify us in writing at American Federal Bank, Attn: Operations, X.X. Xxx 0000, Xxxxx, XX 00000 In case of errors or questions about your transactions related to any Online ServiceEFT, please contact telephone us at American Federal Bank at 0-000-000-0000 or the number listed on the statement for your Account, or write us at: American Federal Bank, Attn: Operations, X.X. Xxx 0000, Xxxxx, XX 00000, as soon as you can by calling one of the numbers listed at the end of this Agreementcan, writing to us at U.S. Bank Online Banking Customer Service, P.O. Box 5190, Portland, OR 97208, or visiting any U.S. Bank branch. If if you think your statement is wrong or transaction history is incorrect or if you need more information about any Online Service transaction a transfer listed in your deposit statement or transaction history, we on the statement. We must hear from you no later than sixty (60) 60 days after the date we sent send the FIRST first statement on which the problem or error appeared. You must: •  Tell us your name and account number; • number (if any)  Describe the error or the transaction in questiontransfer you are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and • information  Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send your complaint or question in writing within ten (10) 10 Business Days after your oral notificationDays. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 Business Days after we hear from you, you and will correct any error promptly. However, if If we require need more time to confirm the nature conduct our investigation, however, we will notify you of our need for an extension, which may take up to 45 days to investigate your complaint or question, we may take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) 10 Business Days for the amount you think is in error error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) 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 days to investigate your complaint or question. For new accounts, we may take up to ninety (90) days to investigate your question and we may take up to twenty (20) business days 20 Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our the investigation. You have the right to find out whether an EFT was credited or debited to your American Federal Bank Account. Please contact your local American Federal Banker. We will send you a monthly statement if there is an EFT in a particular month. Otherwise, we will send you a statement at least quarterly. You may also access a history of all funds transfers completed or pending at any time by viewing your account activity or statements.