Common use of ERROR RESOLUTION NOTICE Clause in Contracts

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  Tell us your name and account number (if any).  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require you send us your complaint or question in writing within 10 business days. We will 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 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 may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. (does not apply to international remittance transfers). In case Case of errors Errors or questions about your electronic transfersQuestions Regarding Your Statement. Telephone us 000.000.0000 (Hillsborough), 727.791.4206 (Pinellas), 727.376.0300 (Pasco) or 800.839.6328, or write to us at Grow Financial Federal Credit Union, P.O. Box 89909, Tampa, FL 33689-0415 as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  •□Tell us your name and account number (if any).  ) •□Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  information •□Tell us the dollar amount of the suspected specified error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (five (5) business days for VISA® Debit Card Point-Of-Sale (POS) transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a POS transaction, or foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days (five business days for Visa® Debit Card POS transactions and 20 business days if the transfer involved a new account) 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, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you have already has an established account with us before this account is opened. We will tell you the results within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation and reverse the provisional credit. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers telephone us at 0-000-000-0000 or write us at 000 Xxxxxx Xx., X.X. Box 9, Nekoosa, WI 54457 as soon as you can. Notification should be made as soon as possible if you think your statement or receipt is wrong, wrong or if you need more information about a transfer transaction listed on the statement or receipt; telephone . You must contact us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appearedappears.  Tell us your You must be prepared to provide the following information: • Your name and account number (if any).  Describe number; • A description of the error or the transfer transaction you are unsure about, and explain about along with an explanation as clearly as you can to why you believe it is an error or why you need more information.  ; • Tell us the date and dollar amount of the suspected error. If you tell us orallyprovide oral notice, we may require you will be required to send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point-of-Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days (twenty (20) business days for new accounts) 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 ten (10) business days, we may not credit your account. For errors involving The extended time periods for new accounts, point‐of‐sale, or foreign‐initiated transactions, we may take up accounts apply to 90 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. Your account is considered a new account for all electronic fund transfers that occur within the first 180 thirty (30) days after the first deposit is made unless each of you already has an established account with us before this to the account is openedmade, including those for foreign initiated or Point of Sale transactions. VISA’s® cardholder protection policy requires that we provide provisional credit for losses from unauthorized VISA® Check Card use within five (5) business days of notification of the loss. We will tell you the results within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, contact the Credit Union at the number or mail us as provided on the back of this booklet or visit any Credit Union branch, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  (1) Tell us your name and account number (if any).  Describe , (2) 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 information and (3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint dispute or question in writing within 10 ten business days. We will determine whether an error occurred within 10 ten 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 days to investigate your complaint dispute or question. If we decide to do this, we will credit your account within 10 ten 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 dispute or question in writing and we do not receive it within 10 ten business days, we may might not provisionally credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign- initiated transactions, we may take up to 90 days to investigate your complaint dispute 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfersYour Electronic Transfers, call or write Us at the telephone number or address listed in this brochure, as soon as You can, if you You think your Your statement or receipt is wrong, wrong or if you You need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you You no later than 60 days after we We sent the FIRST statement on which the problem or error appeared.  Tell us your Us Your name and account number (if any).  Describe the error or the transfer you You are unsure about, and explain as clearly as you You can why you You believe it is an error or why you You need more information.  Tell us Us the dollar amount of the suspected error. If you You tell us Us orally, we We may require you that You send us your Us Your complaint or question in writing within 10 ten business days. We will determine whether an error occurred within 10 ten business days (20 business days if the transfer involved a new account) after we We hear from you You and will correct any error promptly. If we We need more time, however, we We may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your Your complaint or question. If we We decide to do this, we We will credit your Your account within 10 ten business days (20 business days if the transfer involved a new account) for the amount you You think is in error, so that you You will have the use of the money during the time it takes us Us to complete our Our investigation. If we We ask you You to put your Your complaint or question in writing and we We do not receive it within 10 ten business days, we We may not credit your Your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you You already has an established account with us Us before this account is opened. We will tell you You the results within 3 three business days after completing our Our investigation. If we We decide that there was no error, we We will send you You a written explanation. You may ask for copies of the documents that we We used in our Our investigation. BUSINESS DAYS For purposes of these disclosuresARMY AVIATION CENTER FEDERAL CREDIT UNION 000 XXXXXXXX XXXXXX, our business days are X.X. DRAWER 8 DALEVILLE, ALABAMA 36332 Business Days: Monday through FridayFriday excluding Federal Holidays Phone: (000) 000-0000 MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST FUNDS AVAILABILITY POLICY DISCLOSURE THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS FROM YOUR TRANSACTION ACCOUNTS AT THE ARMY AVIATION CENTER FEDERAL CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION.YOUR ABILITY TO WITHDRAW FUNDS This policy disclosure describes Your ability to withdraw funds at AACFCU. It only applies to the availability of funds in “transaction accounts” subject to Regulation CC. Generally, transaction accounts are accounts that do not limit the number or types of withdrawals or transfers that may be made from the account. The Credit Union reserves the right to delay the availability of funds deposited to accounts not governed by Regulation CC for periods longer than those disclosed in this policy. Please ask if You have a question about which accounts are affected by this policy disclosure. Our policy is to make funds from Your cash and check deposits available to You on the first business day after the day We receive Your deposit. Electronic direct deposits will be available on the day We receive the deposit. Once the funds are available, You can withdraw them in cash and We will use the funds to pay checks that You have written. Please remember that even after We have made funds available to You, and You have withdrawn the funds, You are still responsible for checks You deposit that are returned to Us unpaid and for any other problems involving Your deposit. For determining the availability of Your deposits, every day is a business day, except Saturdays, Sundays and federal holidays holidays. If You make a deposit before closing on a business day that We are excludedopen, We will consider that day to be the day of Your deposit. However, if You make a deposit after closing or on a day We are not open, We will consider that the deposit was made on the next business day We are open. LONGER DELAYS MAY APPLY Case-by-Case Delays - In some cases, We will not make all of the funds that You deposit by check available to You on the first business day after the day of Your deposit. Depending on the type of check that You deposit, funds may not be available until the fifth business day after the day of Your deposit. The first $200 of Your deposits, however, may be available on the first business day. If We are not going to make all of the funds from Your deposit available on the first business day, We will notify You at the time You make Your deposit. We will also tell You when the funds will be available. If Your deposit is not made directly to one of Our employees, or if We decide to take this action after You have left the premises, We will mail You the notice by the day after We receive Your deposit.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, as soon as you can if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  information • Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if the alleged error involved a Visa point- of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do thiswe need more time, we will credit your account within 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is openedare a new customer. We will tell you the results within 3 business days after completing our investigation. If we decide decided that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure, as soon as you can; if you think your statement or of receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We we must hear from you no later than 60 days after we first sent or made available to you the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for VISA® Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA® Debit Card transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time that it takes for us to complete our investigation. If we ask you to put your question or complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. .Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has an established account with us before this account is opened. .We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are investigation by contacting us at: Member One Federal Credit Union PO BOX 12288 Roanoke,VA 24024 Business Days: Monday through FridayFriday (excluding Federal Holidays) Phone: (000) 000-0000 More detailed information is available upon request. OVERDRAFT PRIVILEGE PROGRAM An overdraft occurs when you do not have enough funds available in your checking account to cover a transaction. If an item is presented without sufficient funds, federal holidays are excludedwe may, at our discretion, pay the item (creating an overdraft) or return the item (NSF).

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed at the end of this agreement, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appeared.  ● Tell us your name and account number (if any).  ● Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  ● Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business day if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you are a written explanationnew member. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 XX Xxx 000 – AlpenaXxxxxx, MI 49707XX 00000, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  Tell us your name and account number (if any).  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require you send us your complaint or question in writing within 10 business days. We will 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 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 may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed at the end of this agreement, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appeared.  ● Tell us your name and account number (if any).  ● Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  ● Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if involving a Visa point­of­sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point­of­sale transaction, or a foreign­initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business day if involving a Visa point­of­sale transaction processed by Visa or 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you are a written explanationnew member. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your y o u r electronic transfers, telephone us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  appeared - Tell us your name and account number (if any).  - Describe the error or the electronic transfer you are unsure about, and explain explain, as clearly as you can why you believe it is an error or why you need more information.  - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business calendar days. If we ask you to put your complaint or question in writing and we do not receive it within 14 calendar days, we may not re-credit your account. We will determine whether an error has 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 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 may not credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign-initiated transactions, we may take up to 90 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results in writing within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 000-000-0000 or 800‐443‐ 3577000-000-0000, write us at Alpena Alcona Area Credit Union – Union, Accounting Department – Department, 0000 X Xxxxxx Xx – Xx, PO Box 515 – 515, Alpena, MI 49707, or e‐mail e-mail us at xxxxxxxxxxx@xxxxx.xxx xxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS Please contact us at 989‐356‐3577 0-000-000-0000 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting at: Chemical Bank, Card Services Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena809 Traverse City, MI 49707, or e‐mail 49685 Contact us at xxxxxxxxxxx@xxxxx.xxx as soon as you can, if you think an error has occurred in your Account. We must hear from you no later than 60 days after the earlier of the date you electronically access your Account or the date we sent the FIRST statement written history on which the problem or error appeared.  Tell You may request a written history of your transactions at any time by calling us your at 0-000-000-0000 or writing us at: Chemical Bank, Card Services Department PO Box 809 Traverse City, MI 49685 You will need to tell us: • Your name and account number (if any)Account number.  Describe the error or the transfer • Why you are unsure aboutbelieve there is an error, 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 involved. • Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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 days to investigate your complaint or question. If we decide to do this, we will credit your account 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 may not credit your accountAccount. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account Account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosuresIf you need more information about our error-resolution procedures, our business days are Monday through Friday, federal holidays are excludedcall us at the telephone number shown above.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, call us at (000) 000-0000 or write us at: Xxxx State Bank, X.X. Xxx 000, Xxxx, XX 00000, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  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. If you tell us orally, we may require that you send provide us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days, (20 business days if the transfers involved a new account) after we hear from you and will correct any error errors promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is openedare a new Customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may ask for request copies of the documents documentation that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at (256) 000- 0000 (locally) or (000) 000-0000 (long distance only), email us at xxxx@xxxxxx.xxx, or write us at: REDSTONE FEDERAL CREDIT UNION Attn: Member Support Service 000 Xxxx Xxxxx Huntsville, AL 35893 as soon as you can if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.  Please provide the following information when you contact us: • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly clear as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require you to send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (or ninety (90) days for foreign initiated transactions and all transfers resulting from point of sale debit card transactions or a transaction occurring within the first 30 days after deposit to a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days (or five (5) business days for point-of-sale debit card transactions or 20 business days if your account has been opened for 30 days or less) 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three (3) business days after completing our investigation. If we decide that there was is no error, we will send you a written explanation. You may ask for copies of the documents document that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excludedWe may revoke any provisional credit provided to you if we find an error did not occur.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Statements, call or write us at the telephone number or address listed above, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you canstatement. We must hear from you no later than 60 days after we sent delivery of the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  · Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information.  · Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 question or complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes In the event of these disclosuresa dispute, you agree to resolve the dispute according to the terms and conditions of this Agreement, which shall supersede any and all other verbal agreements or representations made by us or our business days are Monday through Friday, federal holidays are excludedemployees. This Agreement shall not be modified except in writing authorized by LCU.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers contact us as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from f rom you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  You may contact us the following ways: Toll Free Phone: 0-000-000-0000 Monday-Friday from 7 a.m. to 7 p.m. (PT) Email: XxxxxxXxxx@XxxxxxXxxx.xxx Secure Message: Submit a secure message using your Banner Bank Online Banking Access Mailing Address: Banner Bank Attn: Electronic Disputes XX Xxx 000 Xxxxx Xxxxx, XX 00000 Our business days are Monday – Friday, excluding Federal Holidays When you contact us, please be prepared with or explain the following: • Tell us your name and account number (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. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business busi ness days. We will determine whether an error occurred within 10 business days after we hear from f rom you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have 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 credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign initiated transactions, we may take up to 90 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. Your account is considered a new account for the first 180 f irst 30 days after the first f irst deposit is made made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 XX Xxx 000 – AlpenaXxxxxx, MI 49707XX 00000, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  ▪ Tell us your name and account number (if any).  ▪ Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  ▪ Tell us the dollar amount of the suspected error. If you tell us orally, we may require you send us your complaint or question in writing within 10 business days. We will 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 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 may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; immediately telephone us at 989‐356‐3577 000.000.0000; or 800‐443‐ 3577, write us at Alpena Alcona Area Interra Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – AlpenaUnion, MI 49707Attn: Electronic Service Specialist, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you canX.X. Xxx 000, Xxxxxx, XX 00000-0000. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.  Be sure to: • Tell us your name and account number (if any)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. If you tell us orallyverbally, we may require that you send us your question or complaint or question in writing within 10 business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days (20 business days if the transaction involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint question or questioncomplaint. If we decide to do this, we will credit your account within 10 business days (20 business days if the transaction involved a new account) 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 question or complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes Termination Your services will remain in effect until terminated by you or us. You may cancel your services at any time by notifying us of your intent to cancel. You may notify us by writing to the address or calling the number listed above. This cancellation applies only to these disclosuresservices and does not terminate your other accounts and/or services with us. We may terminate your participation in these services for any reason, at any time. Further, the Credit Union may, at its discretion, terminate or suspend these services due to non-use. We will try to notify you in advance, but we are not obligated to do so unless applicable laws require such notice. These services are available only to members in good standing. If at any time we determine that you do not meet our business days are Monday through Fridaycriteria for these services, federal holidays are excludedwe may terminate your participation without notice. The Credit Union will have no liability to you whatsoever with regard to any transaction after the date of termination. Termination of your Interra Bill Pay service will automatically terminate any pending payments.

ERROR RESOLUTION NOTICE. In case of errors or questions about your y o u r electronic transfers, telephone us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  appeared - Tell us your name and account number (if any).  - Describe the error or the electronic transfer you are unsure about, and explain explain, as clearly as you can why you believe it is an error or why you need more information.  - Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business calendar days. If we ask you to put your complaint or question in writing and we do not receive it within 14 calendar days, we may not recredit your account. We will determine whether an error has 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 days to investigate your complaint or question. If we decide to do this, we will credit your account within with in 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 may not credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign-initiated transactions, we may take up to 90 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results in writing within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersYour Electronic 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, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  (1) Tell us your name and account number (if any).  (2) 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.  (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has an established account with us before this the account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes If you have inquiries regarding your account, please contact us at: Peoples Savings Bank 000 Xxxx 0xx Hermann, MO 65041 (000)000-0000 Financial institution's liability If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: (1) If, through no fault of these disclosuresours, you do not have enough money in your Account to make the transfer; (2) If the transfer would go over the credit limit on your overdraft line; (3) If circumstances beyond our business days are Monday through Fridaycontrol (such as fire, federal holidays are excludedflood or ice) prevent the transfer, despite reasonable precautions that we have taken; (4) There may be other exceptions stated in our agreement with you, above. Periodic Statements You will get an Account statement monthly if there is a transfer subject to the Electronic Fund Transfers Act in a particular month, and if not, at least quarterly.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 000-000-0000 or 800‐443‐ 3577000-000-0000, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail e-mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  Tell us your name and account number (if any).  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require you send us your complaint or question in writing within 10 business days. We will 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 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 may not credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign-initiated transactions, we may take up to 90 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, call us at (000) 000-0000 or (888) 288-3261or w rite us at Team One Credit Union, Attn: Support Services, XX Xxx 0000, Xxxxxxx , XX 00000, as soon as you can, if you think your statement or receipt is wrong, w rong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we af ter w e sent the FIRST statement on which w hich the problem or error appeared.  Tell us your name and account number (if any).  ) Describe the error or the transfer you are unsure about, about and explain as clearly as you can why w hy you believe it is an error or why w hy you need more information.  Tell us the dollar amount of the suspected error. error If you tell us orally, we may w e w ill require that you send us your complaint or question in writing within w riting w ithin 10 business days. We will w ill determine whether w hether an error occurred within w ithin 10 business days (20 business days if the transfer involved a new account) after we hear from you and will w ill correct any error promptly. If we w e need more time, howeverhow ever, we w e may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we w e decide to do this, we will w e w ill credit your account within w ithin 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will w ill have the use of the money during the time it takes us to complete our investigation. If we w e ask you to put your complaint or question in writing w riting and we w e do not receive it within w ithin 10 business days, we w e may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account accou nt is considered a new account for the first 180 30 days after the first f irst deposit is made made, unless each of you already has an established account with open at least 30 days w ith us before this the account is opened. We will w ill tell you the results within 3 w ithin three business days after completing our investigation. If we w e decide that there was w as no errorer ror, we will w e w ill send you a written x x xxxxxx explanation. You may ask for copies of the documents that we w e used in our investigation. BUSINESS DAYS For purposes investigation by contacting us at the phone number or address show n on the f irst page of these disclosures, our business days are Monday through Friday, federal holidays are excludedthis disclosure.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, call us at 000-000-0000 or write us at The Dime Bank, 000 Xxxxxx Xxxxxx, XX Xxx 000, Xxxxxxxxx XX 00000, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.   Tell us your name and account number (if any).   Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.   Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if involving a Visa® point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if involving a Visa® point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is openedare a new customer. We will tell you the results within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosuresproblem resolutions call us at 000-000-0000 or write to: The Dime Bank, our business 000 Xxxxxx Xxxxxx, XX Xxx 000, Xxxxxxxxx XX 00000 Our Business days are Monday through FridayFriday – Holidays not included. THE DIME BANK‌ PAYMENT PRIVILEGE CUSTOMER OVERDRAFT POLICY Effective: May 1, federal holidays are excluded.2013 This Policy is a statement of how The Dime Bank will handle customers' overdrafts using our discretionary Payment Privilege Overdraft Protection Program. At any time after this service is made available you may opt out by contacting the bank, via phone at (000-000-0000), in person at any one of our branch offices, or in writing at: The Dime Bank Attention Deposit Operations P O Box 509 Honesdale PA 18431 An overdraft is a situation that occurs as a result of an insufficient balance in your checking account. An insufficient balance could result in several ways, such as:

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic fund transfers, call us at 0-000-000-0000 (8 am to 5 pm Monday through Friday excluding federal holidays) or write us at First State Bank, PO Box 268, New London, WI 54961, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We You must hear from you report any error(s) no later than 60 days after we sent mailed or made available electronically to you the FIRST statement on which the problem or error appeared.  Tell us • Provide your name and account number (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 • Provide the dollar amount of the suspected error. If you tell us orally, we You may require you send us be required to provide your complaint or question in writing within 10 business days. We It will determine be determined whether an error occurred within 10 business days (five business days for Money (debit) Card Point of Sale transactions by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptlyhave communicated the error. If we need more timetime is needed, however, we it may take up to 45 days (90 days if the transfer involved a new account, a Point of Sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do thisthis option is exercised, we will credit your account will be credited within 10 business days (five days for Money (Debit) Card Point of Sale transactions processed by Visa and 20 business days if the transfer involved a new account) 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 the investigation. If we ask you You may be required to put your complaint or question in writing and we do if it is not receive it received within 10 business days, we your account may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in errorbe credited. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has an established account with us before this account is opened. We You will tell you receive the results of the investigation within 3 three business days after completing our investigationof completion. If we decide that there was no error, we you will send you receive a written explanation. You may ask for copies of the documents that we were used in our the investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Contact us immediately at 0-000-000-0000 (8 am to 5 pm Monday through Friday, Friday excluding federal holidays are excluded.holidays) if you believe someone has obtained your Access Codes or if someone has transferred or may transfer money from your accounts without your permission..

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic elec- tronic transfers, telephone us at (256) 837–6110 (locally) or (000) 000-0000 (long distance only), email us at xxxx@xxxxxx.xxx, or write us at: REDSTONE FEDERAL CREDIT UNION, Attn: Member Support Service, 000 Xxxx Xxxxx, Huntsville, AL 35893. as soon as you can if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.  Please provide the following information when you contact us: • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly clear as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require you to send us your complaint or question ques- tion in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (or ninety (90) days for foreign initiated transactions and all transfers resulting from point of sale debit card transactions or a transaction occurring within the first 30 days after deposit to a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days (or five (5) business days for point-of-sale debit card transactions or 20 business days if your account has been opened for 30 days or less) 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three (3) business days after completing our investigation. If we decide that there was is no error, we will send you a written explanation. You may ask for copies of the documents document that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excludedWe may revoke any provisional credit provided to you if we find an error did not occur.

ERROR RESOLUTION NOTICE.  In case of errors or questions about your statement, bill payment service, or electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone call us at 989‐356‐3577 (000)000- 0000 or 800‐443‐ 3577, write to us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – AlpenaAttn: Internet Banking, MI 49707000 Xxxxx Xxxx, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you canXxxxx XX 0000. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.   Tell us your name and account number (if any).   Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.   Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Visa Check card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of- sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Check card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has have an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. Consumer Accounts In case of errors or questions about your electronic transfersConsumer Account transactions related to any online banking service (including transfers that involve a Consumer Account) please contact immediately by calling, if writing, or visiting a banking center location; our contac t information is listed at the end of this Agreement or on our website. (xxxxxx.xxx) If you think believe that your statement or receipt transaction history is wrong, incorrect or if you need more information about a transfer listed any transaction xxx xxx on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577statement, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.  Tell us You must:  Provide your name and affected account number (if any).  number;  Describe the error or the transfer transaction you are unsure aboutbelieve to be in error, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us ; and,  Provide the dollar amount of the suspected error. If you tell us orallyprovide an error resolution notice verbally, we may require that you send us your question or complaint or question in writing within 10 ten (10) business daysdays after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 ten (10) business days after we hear from you you, and will correct any error promptly. If we need more time, ; however, we may take up to 45 forty -five (45) business days to investigate your the complaint or question. (90 days if the transfer involved a new account, a point-of sale transaction, or a foreign- initiated transfer) If we decide to do this, we will provisionally credit your account within 10 ten (10) business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will may 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.wit hin ten

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersYour Electronic Transfers, telephone us at (000) 000-0000 or write us at 1st Constitution Bank, X.X. Xxx 000, Xxxxxxxx, XX 00000 as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.   Tell us your name and account number (if any).   Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.   Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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 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 may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, call us at (000) 000-0000 or write us at: State Bank of Xxxxx, 000 Xxxxx 00, Xxxxx, IL 61019, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem or error appeared.   Tell us your name and account number (if any).  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. If you tell us orally, we may require that you send provide us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days, (20 business days if the transfers involved a new account) after we hear from you and will correct any error errors promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is openedare a new Customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may ask for request copies of the documents documentation that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our We will honor checks (or similar instruments payable to third parties) and preauthorized transfers from your account without charging overdraft fees for five (5) business days are Monday through Fridayafter the notification, federal holidays are excludedprovided that the items honored would have been paid if we had not debited the provisionally credit funds.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfersYour Electronic Transfers, call or write Us at the telephone number or address listed in this brochure, as soon as You can, if you You think your Your statement or receipt is wrong, wrong or if you You need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you You no later than 60 days after we We sent the FIRST statement on which the problem or error appeared.  Tell us your Us Your name and account number (if any).  Describe the error or the transfer you You are unsure about, and explain as clearly as you You can why you You believe it is an error or why you You need more information.  Tell us Us the dollar amount of the suspected error. If you You tell us Us orally, we We may require you that You send us your Us Your complaint or question in writing within 10 ten business days. We will determine whether an error occurred within 10 ten business days (20 business days if the transfer involved a new account) after we We hear from you You and will correct any error promptly. If we We need more time, however, we We may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your Your complaint or question. If we We decide to do this, we We will credit your Your account within 10 ten business days (20 business days if the transfer involved a new account) for the amount you You think is in error, so that you You will have the use of the money during the time it takes us Us to complete our Our investigation. If we We ask you You to put your Your complaint or question in writing and we We do not receive it within 10 ten business days, we We may not credit your Your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you You already has an established account with us Us before this account is opened. We will tell you You the results within 3 three business days after completing our Our investigation. If we We decide that there was no error, we We will send you You a written explanation. You may ask for copies of the documents that we We used in our Our investigation. BUSINESS DAYS For purposes of these disclosuresALL IN CREDIT UNION 000 XXXXXXXX XXXXXX, our business days are X.X. DRAWER 8 DALEVILLE, ALABAMA 36332 Business Days: Monday through FridayFriday excluding Federal Holidays Phone: 000.000.0000 MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST FUNDS AVAILABILITY POLICY DISCLOSURE THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS FROM YOUR TRANSACTION ACCOUNTS AT THE ALLIN CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION.YOUR ABILITY TO WITHDRAW FUNDS This policy disclosure describes Your ability to withdraw funds at All In Credit Union. It only applies to the availability of funds in “transaction accounts” subject to Regulation CC. Generally, transaction accounts are accounts that do not limit the number or types of withdrawals or transfers that may be made from the account. The Credit Union reserves the right to delay the availability of funds deposited to accounts not governed by Regulation CC for periods longer than those disclosed in this policy. Please ask if You have a question about which accounts are affected by this policy disclosure. Our policy is to make funds from Your cash and check deposits available to You on the first business day after the day We receive Your deposit. Electronic direct deposits will be available on the day We receive the deposit. Once the funds are available, You can withdraw them in cash and We will use the funds to pay checks that You have written. Please remember that even after We have made funds available to You, and You have withdrawn the funds, You are still responsible for checks You deposit that are returned to Us unpaid and for any other problems involving Your deposit. For determining the availability of Your deposits, every day is a business day, except Saturdays, Sundays and federal holidays holidays. If You make a deposit before closing on a business day that We are excludedopen, We will consider that day to be the day of Your deposit. However, if You make a deposit after closing or on a day We are not open, We will consider that the deposit was made on the next business day We are open. LONGER DELAYS MAY APPLY Case-by-Case Delays - In some cases, We will not make all of the funds that You deposit by check available to You on the first business day after the day of Your deposit. Depending on the type of check that You deposit, funds may not be available until the fifth business day after the day of Your deposit. The first $225 of Your deposits, however, may be available on the first business day. If We are not going to make all of the funds from Your deposit available on the first business day, We will notify You at the time You make Your deposit. We will also tell You when the funds will be available. If Your deposit is not made directly to one of Our employees, or if We decide to take this action after You have left the premises, We will mail You the notice by the day after We receive Your deposit.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfersfund transfers telephone us at 000-000-0000 or write to us at 000 X Xxxx Xxxxxx, Xxx. 000 Xxxx Xxxx Xxxx, XX 00000 as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.  When contacting us for such purposes, we ask that you: • Tell us your name and account 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.  ; and • Tell us the dollar amount of the suspected error. If you tell us orally, we may also require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred within 10 business days ten (10) Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 business days 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 do not receive your complaint or question in writing and we do not receive it within 10 business days, ten (10) Business Days we may not credit your accountAccount. For errors involving new accountsAccounts (an Account is considered to be a new Account for the first thirty (30) days after opening or funds are deposited into the Account, point‐of‐salewhichever occurs later), or foreign‐initiated foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 business days twenty (20) Business Days to credit your account Account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Online or Mobile Banking Transactions, if you think your statement call or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpenathe telephone numbers or address listed in the Contact Us section (section 16.), MI 49707below, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 sixty (60) days after we sent the FIRST first statement on which the problem or error appeared.   Tell us your name and account number (number, if any).   Describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.   Tell us the dollar amount of the suspected error. Applicable consumer accounts only: If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days (twenty (20) business days if the transaction involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (ninety (90) days if the transaction involved a new account, point-of-sale transaction, or was foreign- initiated) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days (twenty (20) business days if the transaction involved a new account) 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.thirty

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, call us at (000) 000-0000 or write us at: Xxxx State Bank, X.X. Xxx 000, Xxxx, IL 61048, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem or error appeared.   Tell us your name and account number (if any).  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. If you tell us orally, we may require that you send provide us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days, (20 business days if the transfers involved a new account) after we hear from you and will correct any error errors promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is openedare a new Customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may ask for request copies of the documents documentation that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, call us at (000) 000-0000 or write us at: State Bank of Xxxxx, 000 Xxxxx 00, Xxxxx, XX 00000, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem or error appeared.   Tell us your name and account number (if any).  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. If you tell us orally, we may require that you send provide us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days, (20 business days if the transfers involved a new account) after we hear from you and will correct any error errors promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is openedare a new Customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may ask for request copies of the documents documentation that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our We will honor checks (or similar instruments payable to third parties) and preauthorized transfers from your account without charging overdraft fees for five (5) business days are Monday through Fridayafter the notification, federal holidays are excludedprovided that the items honored would have been paid if we had not debited the provisionally credit funds.

ERROR RESOLUTION NOTICE. (Consumers Only) In case of errors or questions about your electronic transfers, : call or write Customer Service at the telephone number or address listed above 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 the a statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent or made available the FIRST statement on which the problem or error appeared.  (1) Tell us your name and account number (if any).  ; (2) 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.  ; and (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Visa® debit card point-of-sale transactions processed by Visa, or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of- sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa® debit card point-of-sale transactions processed by Visa, or 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you owner already has had an established account with us before this the affected account is was opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. Timeframes described herein may be different if your error or question does not claim unauthorized activity. You may ask for copies of the documents that we used in our investigationinvestigation by calling Customer Service at the number listed above. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.6.2

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, call us at (000) 000-0000 or write us at: German American State Bank, X.X. Xxx 00, Xxxxxx Xxxxxx, XX 00000 as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  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. If you tell us orally, we may require that you send provide us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days, (20 business days if the transfers involved a new account) after we hear from you and will correct any error errors promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is openedare a new Customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may ask for request copies of the documents documentation that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, call us at (000) 000-0000 or write us at: Xxxx State Bank, X.X. Xxx 000, Xxxx, XX 00000, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem or error appeared.   Tell us your name and account number (if any).  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. If you tell us orally, we may require that you send provide us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days, (20 business days if the transfers involved a new account) after we hear from you and will correct any error errors promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your An account is considered a new account for the first 180 30 days after the first deposit is made unless each of made, if you already has an established account with us before this account is openedare a new Customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may ask for request copies of the documents documentation that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if If you think that your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.  • Tell us your name and account Account number (if any).  • Describe the error or error, the transfer or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days (or twenty (20) Business Days if the transfer involved a new Account) after we hear from you and will correct any error promptly. If we will need more time, however, we may take up to 45 forty-five (45) days (or ninety (90) days if the transfer involved a new Account) to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 business days ten (10) Business Days (or twenty (20) Business Days if the transfer involved a new Account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in errorAccount. Your account Account is considered a new account for the first 180 thirty (30) days after the first deposit is made made, unless each of you already has an established account with us before this account Account is opened. We will tell you the results within 3 business days three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosuresCENTIER BANK 000 XXXX 00XX XXX. MERRILLVILLE, our business days are INDIANA 46410-6366 Business Days: Monday through Friday, federal holidays are excluded.Friday Excluding Federal Holidays Phone: (000) 000-XXXX or 888-CENTIER MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, call us at (000) 000-0000 or 0-000-000-0000, twenty four hours a day, any day of the week; or write us at Pathfinder Bank ATTN: E-Commerce 000 X 0xx Xx, Xxxxxx, XX 00000, or email us at xxxxxxxxx@xxxxxxxxxxxxxx.xxx. Tell us promptly if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.  (a) Tell us your name and account number number. (if any).  b) Describe the error or the transfer you are unsure aboutthink is incorrect, and clearly explain as clearly as you can why you believe it is an error or why you need more information.  (c) Tell us the dollar amount of the suspected errorerror and, if possible, the date it appeared on your statement. If you tell notify us orally, we may have the right to require you to send us your complaint or question in writing within 10 business daysdays following the date you notified us. We will determine whether an error occurred report to you the results of our investigation within 10 business days after we hear from following the date you and notified us. We will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or questionquestion following the date you notified us. If we decide to do thisuse more time to investigate, within 10 business days following the date you notified us, 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 daysdays following your oral notification, we may not credit your account. For errors involving new accounts, point‐of‐sale, point of sale or foreign‐initiated foreign-initiated transactions, we may take up to 90 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results of our investigation within 3 business days after completing our investigationcompletion. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers telephone us at 0-000-000-0000 or write us at 000 Xxxxxx Xx., X.X. Box 9, Nekoosa, WI 54457 as soon as you can. Notification should be made as soon as possible if you think your statement or receipt is wrong, wrong or if you need more information about a transfer transaction listed on the statement or receipt; telephone . You must contact us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appearedappears.  Tell us your You must be prepared to provide the following information: • Your name and account number (if any).  Describe • A description of the error or the transfer transaction you are unsure about, and explain about along with an explanation as clearly as you can to why you believe it is an error or why you need more information.  • Tell us the date and dollar amount of the suspected error. If you tell us orallyprovide oral notice, we may require you will be required to send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point-of-Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days (twenty (20) business days for new accounts) 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 ten (10) business days, we may not credit your account. For errors involving The extended time periods for new accounts, point‐of‐sale, or foreign‐initiated transactions, we may take up accounts apply to 90 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. Your account is considered a new account for all electronic fund transfers that occur within the first 180 thirty (30) days after the first deposit is made unless each of you already has an established account with us before this to the account is openedmade, including those for foreign initiated or Point of Sale transactions. VISA’s® cardholder protection policy requires that we provide provisional credit for losses from unauthorized VISA® Check Card use within five (5) business days of notification of the loss. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.three

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, call us at the telephone number or write us at the address listed in this notice, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  - Tell us your name and account number (if any).  ) - Describe the error or the transfer you are unsure about, in question and explain as clearly as you can why you believe it is is an error or why you need more information.  information - Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for VISA Debit Card Point-of-Sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days VISA Debit Card Point-of-Sale transactions and 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if If you think that your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.  • Tell us your name and account Account number (if any).  • Describe the error or error, the transfer or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days (or twenty (20) Business Days if the transfer involved a new Account) after we hear from you and will correct any error promptly. If we will need more time, however, we may take up to 45 forty-five (45) days (or ninety (90) days if the transfer involved a new Account) to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 business days ten (10) Business Days (or twenty (20) Business Days if the transfer involved a new Account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in errorAccount. Your account Account is considered a new account for the first 180 thirty (30) days after the first deposit is made made, unless each of you already has an established account with us before this account Account is opened. We will tell you the results within 3 business days three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosuresCENTIER BANK 000 XXXX 00XX XXX. XXXXXXXXXXXX, our business days are XXXXXXX 00000-0000 Business Days: Monday through Friday, federal holidays are excluded.Friday Excluding Federal Holidays Phone: (000) 000-XXXX or 888-CENTIER MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if If you think that your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.   Tell us your name and account Account number (if any).   Describe the error or error, the transfer or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.   Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days (or twenty (20) Business Days if the transfer involved a new Account) after we hear from you and will correct any error promptly. If we will need more time, however, we may take up to 45 forty-five (45) days (or ninety (90) days if the transfer involved a new Account) to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 business days ten (10) Business Days (or twenty (20) Business Days if the transfer involved a new Account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in errorAccount. Your account Account is considered a new account for the first 180 thirty (30) days after the first deposit is made made, unless each of you already has an established account with us before this account Account is opened. We will tell you the results within 3 business days three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosuresCENTIER BANK 000 XXXX 00XX XXX. MERRILLVILLE, our business days are INDIANA 46410-6366 Business Days: Monday through Friday, federal holidays are excluded.Friday Excluding Federal Holidays Phone: (000) 000-XXXX or 888-CENTIER MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

ERROR RESOLUTION NOTICE. In case of errors or questions about your statement, bill payment service, or electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone call us at 989‐356‐3577 (000)000- 0000 or 800‐443‐ 3577, write to us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – AlpenaAttn: Internet Banking, MI 49707000 Xxxxx Xxxx, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you canXxxxx XX 0000. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Visa Check card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of- sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Check card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has have an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case cases of errors or questions about your electronic transfers, if transfers from you think your statement or receipt is wrong, share and share draft accounts or if you need more information about a transfer listed or if you need more information about a transfer on the statement or receipt; , telephone us at 989‐356‐3577 the following number or 800‐443‐ 3577, write send us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx written notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem appears. Call us at: 000- 000-0000 or error appeared.  000-000-0000 Or write to: Ohio Catholic Federal Credit Union 00000 Xxxxxxxx Xxxx Xxxxxxxx Xxx., Xxxx 00000 • Tell us your name and account number (if any)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. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error has occurred within 10 ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 45** days to investigate your complaint or questionquestions. If we decide to do this, we will credit your account within 10 ten (10) day 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes * If you give notice of these disclosuresan error within thirty (30) days after you make the first deposit to your account, our we will have 20 business days are Monday through Fridayinstead of ten (10) business days to investigate the error. **If you give us notice of an error within 30 days after you make the first deposit to your account, federal holidays are excludednotice of error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside of the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransactions, if call the telephone number and/or write to the address below as soon as possible. If you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We we must hear from you no later than 60 sixty (60) days after we sent the FIRST first statement on which the problem or error appeared.  • Tell us your name name, your member number, and Visa® Debit Card account number (if any)number.  • Describe the error or the transfer transaction you are unsure about, about and explain as clearly as you can why you believe it is was an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell contact us orallyby telephone or in person, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within 10 ten (10) business days after we hear from you and will correct any error promptly(twenty (20) business days if the transfer involved a new account). If we need more time, however, we may take up to 45 forty-five (45) days (or ninety (90) days if the transaction involved a new account, a point-of-sale transaction or a foreign initiated transaction) to investigate your complaint or question. If we decide to do this, and we will credit your account within 10 ten (10) business days (twenty (20) business days for a new account) 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosuresAFFINITY PLUS FEDERAL CREDIT UNION, our business days are 000 Xxxx Xxxxxxxxx Xxxxxxxx Xxxx, Xx. Xxxx, MN 55107 Business Days: Monday through Friday, federal excluding holidays Phone: (000) 000-0000 or (000) 000-0000 | Reporting your card and/or PIN lost or stolen: (000)000-0000 Notice of ATM Facility User Precautions. As with all financial transactions, please exercise discretion when using an ATM. For your safety, the following suggestions may be helpful. • Be aware of your surroundings, particularly at night. • Consider having someone accompany you to use the ATM facility, especially at night. • Close the entry door of any ATM facility equipped with a door. • If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction. • Refrain from displaying your cash at the ATM. As soon as the transaction is complete, put the money away. • If you notice anything suspicious at the ATM, consider using another ATM. If you are excludedin the middle of a transaction and you notice something suspicious, cancel the transaction, take your card and leave. • If you are followed after making a transaction, go to the nearest public area where people are located. • Do not write your PIN number on your card. • Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers call us at: 844-4TRUIST (844-487-8478) Or write: Truist Online Banking Support X.X. Xxx 0000 Xxxxxxxxx, XX 00000 Contact Truist as soon as you can if you think your statement or receipt information regarding a transaction is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you canstatement. We must hear from f rom you no later than 60 days after we sent the FIRST first statement on which the problem or error appeared.  Tell us your When contacting Truist regarding an error resolution, please be prepared to communicate the following information: • Your name and account Social Security number (if any).  Describe the or tax identification number; • 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 ; and • The dollar amount of the suspected error. If you tell us orally, we may require you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days after we hear from f rom you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case cases of errors or questions about your electronic transfers, if transfers from you think your statement or receipt is wrong, share and share draft accounts or if you need more information about a transfer listed or if you need more information about a transfer on the statement or receipt; , telephone us at 989‐356‐3577 the following number or 800‐443‐ 3577, write send us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx written notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem appears. Call us at: 000- 000-0000 or error appeared.  000-000-0000 Or write to: Ohio Catholic Federal Credit Union 00000 Xxxxxxxx Xxxx Xxxxxxxx Xxx., Xxxx 00000  Tell us your name and account number (if any)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. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error has occurred within 10 ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 45** days to investigate your complaint or questionquestions. If we decide to do this, we will credit your account within 10 ten (10) day 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a an written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes * If you give notice of these disclosuresan error within thirty (30) days after you make the first deposit to your account, our we will have 20 business days are Monday through Fridayinstead of ten (10) business days to investigate the error. **If you give us notice of an error within 30 days after you make the first deposit to your account, federal holidays are excludednotice of error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside of the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic 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, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent mailed or made available electronically to you the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Money (debit) Card Point of Sale transactions by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a Point of Sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 days for Money (Debit) Card Point of Sale transactions processed by Visa and 20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes Contact us immediately if you believe someone has obtained your Codes or if someone has transferred or may transfer money from your accounts without your permission. Contacting us at 0-000-000-0000 during business hours or at 0-000-000-0000 during non-business hours is the best way of these disclosuresminimizing your losses. Alternatively you may fax us at (000) 000-0000 or write us at: FIRST STATE BANK PO Box 268, our business days are Monday through FridayNew London, federal holidays are excludedWI 54961-0268. If your monthly statement contains transactions that you did not make, notify us at once.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersYour Electronic Transfers, telephone us at (000) 000-0000 or write us at The Bank of Princeton, 000 Xxxxxx Xxxx Princeton NJ 08540, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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 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 may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosuresNo Signature Required When using the Bank's Business Online Banking to conduct banking transactions, our business days are Monday through Friday, federal holidays are excludedyou agree that we may debit your account to complete the banking transactions requested without your signature.

ERROR RESOLUTION NOTICE. (does not apply to international remittance transfers). In case of errors Case Of Errors or questions about your electronic transfersQuestions Regarding Your Statement. Call or write us at the telephone or address listed below, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  • Tell us your name and account number (if any).  ) • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  information • Tell us the dollar amount of the suspected specified error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for MASTERCARD® Debit Card Point-Of-Sale (POS) transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a POS transaction, or foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes RelyOn Credit Union 0000 Xxxxx Xxxxx Blvd Dallas, TX 75235 (000) 000-0000 RIGHTS REGARDING PREAUTHORIZED PAYMENTS Right to Stop Payment and Procedure for Doing So. If you have told us in advance to make regular payments out of your account, you can stop any of these disclosures, our business days are Monday through Friday, federal holidays are excluded.payments. Here's how:

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at (000)000-0000 or write us at Merrimack Valley Credit Union, 000 Xxxxxxxxx Xxxxxx, Xxxxxxxx, XX 00000. Contact us as soon as you can if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.  Tell us your You must include: • Your name and account number (if any).  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 ; • The dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transaction involves a new account) after we hear from you and will correct any error promptly. If we need more time, time however, we may take up to 45 calendar days (90 days if the transaction involves a new account, a point of sale transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transaction involves a new account) 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 30 days after the first deposit is made unless each of you already has an established account with us before this account is was opened. We will tell you the results within 3 business days after completing our the investigation. If we decide that there was no error, we will send you a written explanation. You may inspect or ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers contact us as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the error or problem or error appeared.  You may contact us the following ways: Toll Free Phone: 0-000-000-0000 Monday-Friday from 7 a.m. to 7 p.m. (PT) Email: XxxxxxXxxx@XxxxxxXxxx.xxx‌‌ Secure Message: Submit a secure message using your Banner Bank Online Banking Access Mailing Address: Banner Bank Attn: Electronic Disputes PO Box 907 Walla Walla, WA 99362 Our Business Days are Monday – Friday, excluding Federal Holidays When you contact us, please be prepared with or explain the following: • Tell us your name and account number (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. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business daysBusiness Days. We will determine whether an error occurred within 10 business days 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 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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 daysBusiness Days, we may not credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. 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. Your account is considered a new account for the first 180 30 days after the first deposit is made made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, contact us as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from f rom you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  You may contact us the following ways: Toll Free Phone: 0-000-000-0000 Monday-Friday from 7am to 7pm Pacific Time Email: XxxxxxXxxx@XxxxxxXxxx.xxx Secure Message: Submit a secure message using your Banner Bank Online Banking Access Mailing Address: Banner Bank Attn: Electronic Disputes PO Box 907 Walla Walla, WA 99362 For purposes of these disclosures, our business days are Monday – Friday, excluding federal holidays. When you contact us please be prepared with or explain the following: • Tell us your name and account number (if any).  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from f rom you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have 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 credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign initiated transactions, we may take up to 90 days to investigate your complaint or questionquestions. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your y o u r electronic transfers, telephone us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  appeared  Tell us your name and account number (if any).   Describe the error or the electronic transfer you are unsure about, and explain explain, as clearly as you can why you believe it is an error or why you need more information.   Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business calendar days. If we ask you to put your complaint or question in writing and we do not receive it within 14 calendar days, we may not re-credit your account. We will determine whether an error has 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 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 may not credit your account. For errors involving new accounts, point‐of‐salepoint-of-sale, or foreign‐initiated foreign-initiated transactions, we may take up to 90 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results in writing within 3 three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Funds Transfers and Xxxx Payments or Internet Banking Service and Xxxx Payment Service Call: (000) 000-0000 or (000) 000-0000 You may also write to: Peoples Bank payAttn: Remote Banking X.X. Xxx 000 Xxxxxx, XX 00000 Contact Peoples Bank via the methods outlined above if you think your statement or receipt is wrong, wrong or if you need more information about a fund transfer or xxxx payment listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you canstatement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.  Please provide the following information: • Tell us your name and account number (if any)Account number.  • Describe the error error, the fund transfer, or the transfer xxxx payment you are unsure about, and explain . Explain as clearly as you can why you believe it is an error or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred within 10 business days ten (10) Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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 credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. (APPLICABLE TO CONSUMERS ONLY) In case of errors or questions about your electronic transfers, contact us immediately at: First Bank of Highland Park Deposit Operations 0000 Xxxxx Xxxxxx Highland Park, Illinois 60035 Business Days: Monday through Friday Excluding Federal Holidays Phone: (000) 000-0000 Please note that you may be asked to verify your identity by answering your security question. Contact First Bank of Highland Park as soon as you can if you think your statement (or receipt information regarding a transaction) is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you canstatement. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared.  Tell us your name When contacting First Bank of Highland Park regarding an error, please be prepared to communicate the following information: • Your name, social security number or tax identification number, and account number (if any)Account number.  Describe the • 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 • The dollar amount of the suspected error. error If you tell us orally, we may require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred within ten 10 business days Business Days (twenty (20) Business Days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five 45 days (ninety (90) days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will give provisional credit to your account Account within ten 10 business days Business Days (twenty (20) Business Days if the error involved a new account) 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 decide not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for Account. An Account is considered a New Account during the amount you think is in error. Your first thirty (30) calendar days after the account is opened. An account is not considered a new account for if an accountholder on the first 180 days after the first deposit is made unless each of you already account has an established had another transaction account with us before this account is openedthe Bank for at least thirty (30) calendar days prior to opening the new account. We will tell you the results within 3 business days three (3) Business Days after completing we finish our investigation. If After we decide that there was no errorcomplete our investigation, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excludedPlease direct any inquiries to address and/or phone number above.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersYour Electronic Transfers, telephone us at (609) 000- 0000 or write us at 1st Constitution Bank, X.X. Xxx 000, Xxxxxxxx, XX 00000 as soon as you can, if you think your statement or receipt is wrong, wrong or if you need more information about a transfer listed on the statement or receipt; telephone us at 989‐356‐3577 or 800‐443‐ 3577, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e‐mail us at xxxxxxxxxxx@xxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.   Tell us your name and account number (if any).   Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.   Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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 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 may not credit your account. For errors involving new accounts, point‐of‐sale, 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 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BUSINESS DAYS For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.