Common use of ERROR RESOLUTION NOTICE Clause in Contracts

ERROR RESOLUTION NOTICE. In case of errors or questions about 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 or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - Tell us your name and account number (if any). - Describe the electronic 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 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your 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 appeared - or error appeared.  Tell us your name and account number (if any). -  Describe the electronic error or the 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 calendar business 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 three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. 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 y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. 1. Tell us your name and account number (if any). 2. - Describe the electronic error or the 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 informationInformation. 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 calendar business 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 (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 complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.. WORKERS CREDIT UNION 000 XXXX XXXXXX, X.X. XXX 0000 XXXXXXXXX, XXXXXXXXXXXXX 00000-0000

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your 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 or if you need more information about a transfer listed on the statement or receipt, call us at 000-000-0000 or write us at Denver Community Credit Union, 0000 Xxxxx Xxxxxx, Xxxxxx, XX 00000 or use the contact information on your statement as soon as you can. We must hear from you no later than 60 calendar days after we sent the FIRST statement on which the problem appeared - or error appeared. a. Tell us your name name, address, telephone number, member/account number, and account card number (if any). - for a disputed transaction involving a card. b. Describe the electronic error or the transfer you are unsure about, about and explain, explain as clearly as you can why you believe it is an error or why error. If you need more information. - , describe the item you are unsure about. c. Tell us the dollar amount and date of the suspected error. . d. Include your signature. e. If you tell us orally, we may require that you send us your complaint or question in writing within 10 calendar business 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 promptly correct any error promptlyerror. If we need more time, however, we may take up to 45 90 calendar days to investigate your complaint or question. . f. 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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members' rights to privacy) relied upon to conclude that we used in our investigationthe error did not occur. g. In case of errors or questions about your transaction write or call us at: Denver Community Credit Union 0000 Xxxxx Xxxxxx Xxxxxx, XX 00000 (000) 000-0000 h. If you discover that you card has been lost or stolen after business hours please call: Visa Credit Card: (000) 000-0000 or (000) 000-0000 Visa Debit Card: (000) 000-0000 or (000) 000-0000 ATM Access Card: (000) 000-0000 or (000) 000-0000

ERROR RESOLUTION NOTICE. In case of errors or questions about 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, Notify the Bank as soon as you can, possible if you think see errors on your statement or receipt is wrong or if you have questions about your electronic transfers. Also, contact the Bank if you need more information about a transfer listed on the your statement or receipt. Telephoning is the best method for limiting your potential losses, but you may notify us by going to one of our Bank locations or in writing. Telephone: 000-000-0000 Address: United Bank & Trust Attn: Electronic Banking XX Xxx 000 Xxxxxxxxxx, XX 00000 We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. Be careful to: (a) Tell us your name and account number (if any). - . (b) Describe the electronic error or the 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. - . (c) 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 calendar ten (10) business 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 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 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-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or questionquestions. For new accounts, accounts we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us the telephone number or address listed at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxthe end of this agreement, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem appeared - or error appeared. ● Tell us your name and account number (if any). - ● Describe the electronic error or the 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 calendar business 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 (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 An account is considered a 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. We will tell you the results in writing within three (3) business 30 days after completing our investigation. If we decide that there was no errorthe first deposit is made, we will send if you are a written explanationnew member. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, transfers telephone us at (000) 0-000-0000, 000-0000 or write to us at Michigan Legacy Credit Union000 Xxxxxx Xx., 00000 Xxxxxxxxx XxX.X. Box 9, Xxxx Xxxx Xxxxxxxx 00000Nekoosa, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, WI 54457 as soon as you can, . Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transfer transaction listed on the statement or receipt. We You must hear from you contact us no later than 60 days after we sent you the FIRST statement on which the problem appeared - Tell us your or error appears. You must be prepared to provide the following information: • Your name and account number (if any). - Describe number; • A description of the electronic transfer error or 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 that you will be required to send us your complaint or question in writing within 10 calendar business 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 (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 accountsaccounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, point-of-sale, including those for foreign initiated or foreign-initiated Point of Sale transactions, . VISA’s® cardholder protection policy requires that we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 provide provisional credit for losses from unauthorized VISA® Check Card use within five (5) business days to credit your account for of notification of the amount you think is in errorloss. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your 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 000-000-0000 or 000-000-0000, write us at Alpena Alcona Area Credit Union, Accounting Department, 0000 X Xxxxxx Xx, PO Box 515, Alpena, MI 49707, or e-mail us at 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 appeared - or error appeared. • Tell us your name and account number (if any). - • Describe the electronic error or the 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 calendar ten (10) business 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 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-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 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 in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. 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 y o u r your electronic transfers, telephone us at (000) 000-0000, the phone numbers or write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, the address set forth in 4a 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 statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem appeared - Tell us your name and account number (if any). - Describe the electronic 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 errorappears. If you tell us orally, we may require that you send us your a signed complaint or question in writing within 10 ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If we ask you to put need more information describe the item you are not sure about. d. Include your complaint or question in writing and we do not receive it within 14 calendar days, we may not re-credit your accountsignature. We will determine whether an error has 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. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or questionquestion (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will credit your account within 10 ten (10) business days (five (5) business days for Debit Card purchase transactions) 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 transactionsIf we decide after our investigation that an error did not occur, we may take up will deliver or mail 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. We will tell you the results in writing an explanation of our findings within three (3) business days after completing the conclusion of our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members' rights to privacy) relied upon to conclude that we used in our investigationthe error did not occur.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed below, as soon as you can, can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. • Tell us your name and account number (if any). - • Describe the electronic error or the 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. - 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 calendar business 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 (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 An account is considered a 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 30 days after the amount first deposit is made, if you think is in errorare a new customer. We will tell you the results in writing within three (3) 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.

ERROR RESOLUTION NOTICE. In case of errors Email SAVE customer service at xxxxxxx@xxxxxxxx.xxx or questions about y o u r electronic transfers, telephone us call SAVE customer service at (000) 0-000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, 000-0000 as soon as you can, can if you think your Account statement or a receipt is wrong or if you need more information about a transfer listed on the a statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent send or make available the FIRST Account statement on which the problem appeared - or error appeared. When you contact us: 1. Tell us your name and account Account number (if any). 2. - Describe the electronic error or the transfer you are unsure about, about and explain, 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 calendar ten (10) business 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 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 issue a provisional credit to your account Account within 10 ten (10) business days of your complaint 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 accountsAccounts, point-of-sale, or 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 to credit your account Account for the amount you think is in error. An Account is considered a new Account for thirty (30) days after you first deposit funds into your Account. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your 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 – XX Xxx 000 – Xxxxxx, XX 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 appeared - or error appeared.  Tell us your name and account number (if any). -  Describe the electronic error or the 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 calendar business 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 three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. 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 y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed in this brochure, 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 statement or receipt. We must hear from you no later than 60 days after we sent or made available the FIRST statement on which the problem appeared - or error appeared. (1) Tell us your name and account number (if any). - ; (2) Describe the electronic error or the transfer you are unsure about, about and explain, 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 calendar business 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 (5 business days for Visa® debit card point-of-sale transactions processed 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 business days for Visa® 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 Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results in writing within three (3) 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 investigation.investigation by calling any of the phone numbers listed below. CUSTOMER SERVICE X.X. XXX 00000 XXXX XXXX XXXX, XX 00000 (000) 000-0000 – Vectra Bank Colorado (800) 789-BANK(2265) – Zions First National Bank

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r electronic transfersYour Electronic Transfers, call or write Us at the telephone us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed in this brochure, as soon as you You can, if you You think your Your statement or receipt is wrong or if you You need more information about a transfer listed on the statement or receipt. We must hear from you You no later than 60 days after we We sent the FIRST statement on which the problem appeared - or error appeared. Tell us your Us Your name and account number (if any). - Describe the electronic error or the transfer you You are unsure about, and explain, 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 that you You send us your Us Your complaint or question in writing within 10 calendar ten business 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 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 Your account is considered a 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 first 30 days after the first deposit is in errormade, unless each of You already has an established account with Us before this account is opened. We will tell you You the results in writing within three (3) 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: Monday through Friday excluding Federal Holidays Phone: (000) 000-0000 MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST 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. If You make a deposit before closing on a business day that We are open, 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us the telephone number or address listed at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxthe end of this agreement, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem appeared - or error appeared. ● Tell us your name and account number (if any). - ● Describe the electronic error or the 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 calendar business 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 (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 An account is considered a 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. We will tell you the results in writing within three (3) business 30 days after completing our investigation. If we decide that there was no errorthe first deposit is made, we will send if you are a written explanationnew member. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transferstransfers call us at: 844-4TRUIST (844-487-8478) Or write: Truist Online Banking Support P.O. Box 1014 Charlotte, 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, NC 28201Contact Truist as soon as you can, can if you think your statement or receipt information regarding a transaction is wrong or if you need more information about a transfer listed on the statement or receiptstatement. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem appeared - Tell us your or error appeared. When contacting Truist regarding an error resolution, please be prepared to communicate the following information: (i) Your name and account Social Security number or tax identification number. (if any). - Describe ii) 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 . (iii) 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 calendar business 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 tell you the results of our investigation 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. We will tell you the results in writing within three (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. Send money with ZELLE® The terms and conditions set forth in the section below (the “Zelle Agreement”) apply only to transfers made using Zelle. In the event of conflict between the Zelle Agreement and other terms within the Agreement, the Zelle Agreement takes precedence with respect to Zelle transactions. (a) Description of Zelle Services

ERROR RESOLUTION NOTICE. In case of errors Errors or questions about y o u r electronic transfersQuestions About Your Electronic Transfers, telephone Call or Write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed in this Agreement, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. 1) Tell us your name and account Account number (if any). - . 2) Describe the electronic error or the 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. - . 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 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 accountBusiness Days. We will determine whether an error has occurred within 10 business days 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 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 daysBusiness Days, we may not credit your accountAccount. For errors involving Your Account is considered a 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 Account for the amount first 30 days after the first deposit is made, unless each of you think already has an established Account with us before this Account is in erroropened. We will tell you the results in writing within three (3) business days 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.:

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed in this brochure, as soon as you can, ; if you think your statement or of receipt is wrong or if you need more information about a transfer listed on the statement or receipt. 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 appeared - or error appeared. • Tell us your name and account number (if any). - • Describe the electronic error or the 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 calendar business 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 (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 .Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in error. opened.We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigationinvestigation by contacting us at: Member One Federal Credit Union PO BOX 12288 Roanoke,VA 24024 Business Days: Monday through Friday (excluding Federal Holidays) Phone: (000) 000-0000 More detailed information is available upon request. 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, we 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 y o u r your electronic transfers, telephone call us at (000) 000-0000, the telephone numbers provided or write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us the address listed at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, the end of this Agreement as soon as possible (see Important Contact Information). You may also securely contact us through our Message Center within SRP Online or SRP Mobile. (For any errors involving a line of credit account, you can, if you think must review your statement or receipt is wrong or if you need more information about Loan Agreement and Disclosure and/or Visa Credit Card Agreement for a transfer listed on the statement or receipt. description of your rights.) We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem appeared - or error appeared. You should provide the following information: 1. Tell us your name and account number (if any). 2. - Describe the electronic error or transfer you are unsure about, about and explain, explain as clearly as you can as to 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 orallyverbally, we may require that you send us your complaint dispute or question in writing within 10 calendar days. If we ask you ten (10) business days to put your complaint or question in writing and we do not receive it within 14 calendar days, we may not re-credit your accountthe address listed on the contact page contained at the end of this Agreement (see Important Contact Information). We will determine whether an error has 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 to investigate your complaint dispute or question. If we decide to do this, we will credit your account within 10 ten (10) business days of receiving the error notice, 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 dispute or question in writing and we do not receive it within 10 ten (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 dispute 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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about y o u r electronic transfersyour Electronic Transfers, telephone call us at (000) 000-00000000 or write us at: Xxxx State Bank, write to us at Michigan Legacy Credit UnionX.X. Xxx 000, 00000 Xxxxxxxxx XxXxxx, Xxxx Xxxx Xxxxxxxx XX 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, 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 statement or receipt. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem appeared - or error appeared.  Tell us your name and account number (if any). - number:  Describe the electronic error or the 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 provide us your complaint or question in writing within 10 calendar business 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, (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 An account is considered a 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 first 30 days after the first deposit is made, if you think is in errorare a new Customer. We will tell you the results in writing within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. 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.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about y o u r electronic transfersQuestions About Your Electronic Transfers, telephone Telephone us at (000) 0-000-0000, 000-0000 or write to us at Michigan Legacy Credit UnionUnion Bank and Trust Company, 00000 Xxxxxxxxx XxXX Xxx 00000, Xxxx Xxxx Xxxxxxx, Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, -0000 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. a. Tell us your name and account number (if any). - . b. Describe the electronic error or the transfer you are unsure about, about and explain, explain as clearly as you can why you believe it is an error or why you need more information. - . c. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 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 accountBusiness Days. We will determine whether an error has occurred within 10 business days Business Days (5 Business Days if involving a Visa point- of-sale transaction processed by Visa) 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 (5 Business Days if involving a Visa point-of-sale transaction processed by Visa) 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 accountsaccounts (opened within last 30 days by a new customer), 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 Business Days to credit your account for the amount you think is in error. We will tell you the results in writing within three (3) business days 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your statement, bill payment service, or electronic transfers, telephone call us at (000) 000000)000-0000, 0000 or (000)000-0000 or write to us at Michigan Legacy Credit UnionAttn: Customer Service Department, 00000 Xxxxxxxxx Xx000 Xxxxx Xxxx, 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 or if you need more information about a transfer listed on the statement or receiptXxxxx XX 0000. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. (1) Tell us your name and account number (if any). - . (2) Describe the electronic error or the 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. - . (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 calendar business 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 (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 Your account is considered a 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 first 30 days after the first deposit is made, unless you think already have an established account with us before this account is in erroropened. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Please examine your statement promptly and immediately advise us of any errors. If no error is reported within sixty (60) days, the statement will be considered correct.

ERROR RESOLUTION NOTICE. (Consumers Only) In case of errors or questions about y o u r your electronic transfers, : call or write Customer Service at the telephone us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, address listed above as soon as you can, can if you think your statement or receipt is wrong wrong, or if you need more information about a transfer listed on the a statement or receipt. We must hear from you no later than 60 days after we sent or made available the FIRST statement on which the problem appeared - or error appeared. (1) Tell us your name and account number (if any). - ; (2) Describe the electronic error or the transfer you are unsure about, about and explain, 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 calendar business 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 (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 Your account is considered a 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 first 30 days after the first deposit is in errormade, unless each of owner already had an established account with us before the affected account was opened. We will tell you the results in writing within three (3) 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 investigation.investigation by calling Customer Service at the number listed above. 6.2

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r electronic your elec- tronic transfers, telephone us at (256) 837–6110 (locally) or (000) 000-00000000 (long distance only), write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxxxxx@xxxxxx.xxx, or write us at: REDSTONE Huntsville, AL 35893. as soon as you can, can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem appeared - or error appeared. Please provide the following information when you contact us: • Tell us your name and account number (if any). - • Describe the electronic error or the transfer you are unsure about, and explain, 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 that you to send us your complaint or question ques- tion in writing within 10 calendar ten (10) business 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 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. We will tell you the results in writing within 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. We 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 Questions about y o u r electronic transfersYour Electronic Transfers, telephone us at (000) 000-0000, 0000 or write to us at Michigan Legacy Credit UnionThe Bank of Princeton, 00000 Xxxxxxxxx Xx, 000 Xxxxxx Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxPrinceton NJ 08540, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. • Tell us your name and account number (if any). - • Describe the electronic error or the 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. error If you tell us orally, we may require that you send us your complaint or question in writing within 10 calendar business 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. When using the Bank's Business Online Banking to conduct banking transactions, you agree that we may debit your account to complete the banking transactions requested without your signature.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, immediately telephone us at (000) 000-0000, 000.000.0000; or write to us at Michigan Legacy Interra Credit Union, 00000 Xxxxxxxxx XxAttn: Electronic Service Specialist, Xxxx Xxxx Xxxxxxxx X.X. Xxx 000, Xxxxxx, XX 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, 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 statement or receipt-0000. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem appeared - or error appeared. Be sure to: • Tell us your name and account number (if any)number. - • Describe the electronic error or the 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 orallyverbally, we may require that you send us your question or complaint or question in writing within 10 calendar business 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 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 Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. 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 services 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 criteria for these services, we 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 Case of errors Errors or questions Questions about y o u r electronic transfersyour Electronic Transfers, telephone call us at (000) 000-00000000 or write us at: Xxxx State Bank, write to us at Michigan Legacy Credit UnionX.X. Xxx 000, 00000 Xxxxxxxxx XxXxxx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxIL 61048, 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 statement or receipt. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem appeared - or error appeared.  Tell us your name and account number (if any). - number:  Describe the electronic error or the 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 provide us your complaint or question in writing within 10 calendar business 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, (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 An account is considered a 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 first 30 days after the first deposit is made, if you think is in errorare a new Customer. We will tell you the results in writing within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic fund transfers, telephone call us at (000) 0-000-0000, 000-0000 (8 am to 5 pm Monday through Friday excluding federal holidays) or write to us at Michigan Legacy Credit UnionFirst State Bank, 00000 Xxxxxxxxx XxPO Box 268, Xxxx Xxxx Xxxxxxxx 00000New London, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxWI 54961, 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 statement or receipt. 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 appeared - Tell us or error appeared. • Provide your name and account number (if any). - • Describe the electronic error or the transfer you are unsure about, about and explain, 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 that you send us be required to provide your complaint or question in writing within 10 calendar business 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 It will determine be determined whether an error has 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 accountbe credited. For errors involving Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We You will tell you receive the results in writing of the investigation within three (3) 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.. Contact us immediately at 0-000-000-0000 (8 am to 5 pm Monday through Friday excluding federal 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 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 If you think that your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We , we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem appeared - or error appeared. • Tell us your name and account Account number (if any). - • Describe the electronic error, the transfer or 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 will require that you send us your complaint or question in writing within 10 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 accountten (10) Business Days. We will determine whether an error has 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 accountAccount. For errors involving Your Account is considered a 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 first thirty (30) days after the first deposit is made, unless each of you think already has an established account with us before this Account is in erroropened. We will tell you the results in writing within three (3) business days 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.. CENTIER BANK 000 XXXX 00XX XXX. MERRILLVILLE, INDIANA 46410-6366

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone us at (256) 000- 0000 (locally) or (000) 000-00000000 (long distance only), write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxxxxx@xxxxxx.xxx, or write us at: as soon as you can, can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem appeared - or error appeared. Please provide the following information when you contact us: • Tell us your name and account number (if any). - • Describe the electronic error or the transfer you are unsure about, and explain, 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 that you to send us your complaint or question in writing within 10 calendar ten (10) business 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 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. We will tell you the results in writing within 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. We 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 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 or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared -  Tell us your name and account number (if any). -  Describe the electronic 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 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your 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 or if you need more information about a transfer listed on the statement or receipt, call us at 000-000-0000 or write us at Denver Community Credit Union, 0000 Xxxxx Xxxxxx, Xxxxxx, XX 00000 or use the contact information on your statement as soon as you can. We must hear from you no later than 60 calendar days after we sent the FIRST statement on which the problem appeared - or error appeared. a. Tell us your name name, address, telephone number, member/account number, and account card number (if any). - for a disputed transaction involving a card. b. Describe the electronic error or the transfer you are unsure about, about and explain, explain as clearly as you can why you believe it is an error or why error. If you need more information. - , describe the item you are unsure about. c. Tell us the dollar amount and date of the suspected error. . d. Include your signature. e. If you tell us orally, we may require that you send us your complaint or question in writing within 10 calendar business 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 promptly correct any error promptlyerror. If we need more time, however, we may take up to 45 90 calendar days to investigate your complaint or question. . f. 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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members' rights to privacy) relied upon to conclude that we used in our investigationthe error did not occur. g. In case of errors or questions about your transaction write or call us at: Denver Community Credit Union 0000 Xxxxx Xxxxxx Denver, CO 80204 (000) 000-0000 h. If you discover that you card has been lost or stolen after business hours please call: Visa Credit Card: (000) 000-0000 or (000) 000-0000 Visa Debit Card: (000) 000-0000 or (000) 000-0000 ATM Access Card: (000) 000-0000 or (000) 000-0000

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about y o u r electronic transfersYour Electronic Transfers, telephone us at (000) 000-0000, 0000 or write to us at Michigan Legacy Credit Union1st Constitution Bank, X.X. Xxx 000, Xxxxxxxx, XX 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 or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared.  Tell us your name and account number (if any). -  Describe the electronic error or the 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 calendar business 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about y o u r electronic transfersYour Electronic Transfers, telephone us at (000609) 000-0000, 000- 0000 or write to us at Michigan Legacy Credit Union1st Constitution Bank, X.X. Xxx 000, Xxxxxxxx, XX 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 or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared.  Tell us your name and account number (if any). -  Describe the electronic error or the 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 calendar business 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone us Bank at (000) 000956-664- 8401 or write Bank at 0000 X. 0xx Xx, XX Xxx 0000, write to us at Michigan Legacy Credit UnionXxXxxxx, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx Xxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, -0000 (Attn: Customer Service) as soon as you can, can if you think your Account statement or receipt is wrong or if you need more information about a transfer listed on the statement or receiptstatement. We Bank must hear from you no later than 60 sixty (60) days after we sent Bank FIRST made the FIRST statement on which available to you that contains the problem appeared - or error. a. Tell us Bank your name and account number (if any). - Account number. b. Describe the electronic error or the 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. - . c. Tell us Bank the dollar amount of the suspected error. If you tell us Bank orally, we Bank may require that you send us Bank your complaint or question in writing within 10 calendar ten (10) business 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 Bank will determine whether an error has occurred within 10 business days ten (10) Business Days after we hear Bank hears from you and will correct any error promptly. If we need Bank needs more time, however, we Bank may take up to 45 forty-five (45) days to investigate your complaint or question. If we decide Bank decides to do this, we Bank will provisionally 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 Bank to complete our its investigation. If we ask Bank asks you to put your complaint or question in writing and we do Bank does not receive it within 10 business daysten (10) Business Days, we Bank may not have to provisionally credit your account. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we Bank may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take question and up to 20 business days twenty (20) Business Days to provisionally credit your account Account for the amount you think is in error. We Bank will tell you the results in writing within three (3) business days after completing our its investigation. If we decide Bank decides that there was no error, we Bank will send you a written explanationexplanation and debit Your Account for the amount in question if Bank previously credited it with provisional credit. You may ask for copies of the documents that we Bank used in our its investigation.. 20. Electronic Communication by Bank YOU AGREE THAT ANY INFORMATION OR DISCLOSURE OR COMMUNICATION OR NOTICE REQUIRED OR ALLOWED TO BE MADE TO YOU BY BANK UNDER THIS AGREEMENT MAY BE MADE OR GIVEN TO YOU BY ELECTRONIC COMMUNICATION, INCLUDING BY SENDING IT TO YOU BY E-MAIL TO THE E-MAIL ADDRESS YOU PROVIDE TO BANK, OR BY POSTING IT AS A LINK ON BANK’S WEBSITE. EXCEPT AS OTHERWISE SET OUT IN THIS AGREEMENT, YOU WILL RECEIVE THIS INFORMATION, DISCLOSURES, COMMUNICATIONS, AND NOTICES IN THE ELECTRONIC COMMUNICATION MANNER SET OUT ABOVE. YOU WILL HAVE NO OPTION TO RECEIVE THESE ON PAPER OR IN NONELECTRONIC FORM. IF YOU WITHDRAW YOUR CONSENT TO RECEIVE THESE IN ELECTRONIC FORM, THEN THE SERVICES PROVIDED BY THIS AGREEMENT WILL BE WITHDRAWN; HOWEVER, WITHDRAWING YOUR CONSENT WILL NOT AFFECT THE LEGAL EFFECTIVENESS OR VALIDITY OF ELECTRONIC DISCLOSURES OR RECORDS MADE PRIOR TO SUCH WITHDRAWAL. THIS CONSENT BY YOU APPLIES TO ALL INFORMATION, DISCLOSURES, COMMUNICATIONS, AND NOTICES REFERRED TO IN THIS AGREEMENT, INCLUDING TERMS AND CONDITIONS OF OUR ELECTRONIC BANKING SERVICE, MONTHLY STATEMENTS, CHANGE-IN-TERMS NOTICES, ANY REVISED PRIVACY POLICY NOTICE, REQUESTS FOR WRITTEN STOP PAYMENT ORDERS, REQUESTS FOR WRITTEN COMPLAINTS OR QUESTIONS RELATING TO POSSIBLE ERRORS IN YOUR ACCOUNT, AND RESPONSES TO ANY ERROR RESOLUTION NOTICE. IF YOU WISH TO WITHDRAW CONSENT TO RECEIVE THESE ELECTRONICALLY, PLEASE TELEPHONE BANK AT 000-000-0000. PLEASE CALL THE SAME NUMBER IF YOU WISH TO UPDATE THE INFORMATION NECESSARY TO CONTACT YOU ELECTRONICALLY, SUCH AS YOUR E-MAIL ADDRESS. THE FOLLOWING HARDWARE AND SOFTWARE WILL BE REQUIRED TO ACCESS AND RETAIN THIS INFORMATION, DISCLOSURES, COMMUNICATIONS, AND NOTICES: a. Compatible Internet browser, such as: 1. Microsoft Internet Explorer 6.0 or higher 2. Firefox 2.0 or higher

ERROR RESOLUTION NOTICE. In case It is your responsibility to review account statements and notices and notify us of errors or questions about y o u r electronic transfers, telephone errors. To do so: • Examine your account statement promptly and carefully. • Notify us at (000) 000-0000, write to promptly of any errors. • Notify 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 or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 within 30 days after we sent have made your account statement available to you of any unauthorized transaction on your account. Note: If the FIRST same person has made two or more unauthorized transactions and you fail to notify us of the first one within this 30-day period, we won’t be responsible for unauthorized transactions made by the same wrongdoer. • Notify us within six months after we have made your account statement available to you if you identify any unauthorized, missing, or altered endorsements on which the problem appeared - your items. (1) Tell us your name and account number (if any). - Describe , (2) describe the electronic error or the transfer you are unsure about, about and explain, 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 calendar ten business 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 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-sale, or 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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. a. Unauthorized Transactions: A transaction is an unauthorized transaction when it’s:

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call us at (000) 000-0000, write to 0000 or (888) 288-3261or w rite us at Michigan Legacy Team One Credit Union, 00000 Xxxxxxxxx XxAttn: Support Services, Xxxx Xxxx Xxxxxxxx XX Xxx 0000, Xxxxxxx , XX 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, 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. 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 appeared - or error appeared. Tell us your name and account number (if any). - ) Describe the electronic error or the transfer you are unsure about, about and explain, 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 calendar business 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 w ill determine whether w hether an error has 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 Your accou nt is considered a 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 first 30 days after the f irst deposit is made, unless each of you think already has an established account open at least 30 days w ith us before the account is in erroropened. We will w ill tell you the results in writing within w ithin three (3) 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 investigationinvestigation by contacting us at the phone number or address show n on the f irst page of this disclosure.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r electronic transfersyour EFTs, telephone us at (000) 1-866- 000-0000, Monday thru Friday, except holidays, 8:00 AM CST – 6:00 PM CST, or write to us at Michigan Legacy Credit UnionXxxxxxx Bank, 00000 Xxxxxxxxx XxAttn: Disputes, Xxxx Xxxx Xxxxxxxx 00000P.O. Box 4952, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxSpringfield, MO 65808 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 statement or receipt. We must hear from you no later than 60 sixty days after we sent the FIRST statement on which the problem appeared - or error appeared. When contacting us for such purposes, we ask that you: 1. Tell us your name and account Account number (if any). 2. - Describe the electronic error or the transfer you are unsure about, and explain, explain as clearly as clearlyas 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 calendar ten business 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 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 forty-five days to investigate your complaint or question. If we decide to do this, we will credit your account 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 or question in writing and we do not receive it within 10 ten business days, 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 days after opening or funds are deposited into the Account, point-of-salewhichever occurs later), or foreign-initiated transactions, we may take up to 90 ninety days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty business days to credit your account Account for the amount you think is in error. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed below, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem appeared - or error appeared. 1) Tell us your name and account number (if any). - . 2) Describe the electronic error or the 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. - . 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 calendar business 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 (5 business days if a VISA transaction 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 foreign-initiated transfer) to investigate your complaint or questionquestions. If we decide to do this, we will provide provisional credit to your account within 10 business days (5 business days if involving a VISA transaction 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 An account is considered a 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 30 days after the amount first deposit is made, if you think is in errorare a new customer. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.. Address and Phone Number 24 hours / 7 days you may reach us at:

ERROR RESOLUTION NOTICE. In case of errors or questions about 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 If you think that your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We , we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem appeared - or error appeared. • Tell us your name and account Account number (if any). - • Describe the electronic error, the transfer or 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 will require that you send us your complaint or question in writing within 10 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 accountten (10) Business Days. We will determine whether an error has 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 accountAccount. For errors involving Your Account is considered a 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 first thirty (30) days after the first deposit is made, unless each of you think already has an established account with us before this Account is in erroropened. We will tell you the results in writing within three (3) business days 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.. CENTIER BANK 000 XXXX 00XX XXX. XXXXXXXXXXXX, XXXXXXX 00000-0000

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about 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 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, please call or write us at the telephone number or address listed below, 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 appeared - appeared. (1) Tell us your name and account number number. (if any). - 2) Describe the electronic error or the 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. - . (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 calendar business 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 (5 business days if involving a Visa transaction or 20 business days if the transfer involved a new account) after we hear from you and will correct any the 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 transaction 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 An account is considered a 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 30 days after the amount first deposit it made, if you think is in errorare a new customer. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about y o u r electronic transfers, telephone Questions About Your Electronic Transfers Telephone us at (000) 000-0000, write to 000-0000 or Write us at Michigan Legacy Credit UnionCumberland Federal Bank, 0000 Xxxxxx Xxx., XX Xxx 000, Xxxxxxxxxx, XX 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 or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. 1. Tell us your name and account number (if any). 2. - Describe the electronic error or the transfer you are unsure about, about and explain, 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 calendar business 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigationinvestigation NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY US OR OUR THIRD-PARTY PROVIDER IN TRANSFERRING FUNDS OTHERWISE ARISING FROM OR RELATING TO THIS AGREEMENT WILL BE TO CORRECT ANY ERRORS, BUT IN NO CASE WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH OR IN ANY WAY RELATED TO INTERNET SERVICE OR OUR PERFORMANCE HEREUNDER. You agree to indemnify and hold us harmless from any and all claims, demands, actions, suits, damages, judgments, liabilities, costs and expenses, and attorneys’ fees arising out of or resulting from your use of Internet Service or your breach of any of your obligations under this Agreement. Your obligation to indemnify us shall survive termination of this Agreement.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your 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 or if you need more information about a transfer listed on the statement or receipt, call us at 000-000-0000 or write us at Zing Credit Union, 0000 Xxxxx Xxxxxx, Xxxxxx, XX 00000 or use the contact information on your statement as soon as you can. We must hear from you no later than 60 calendar days after we sent the FIRST statement on which the problem appeared - or error appeared. a. Tell us your name name, address, telephone number, member/account number, and account card number (if any). - for a disputed transaction involving a card. b. Describe the electronic error or the transfer you are unsure about, about and explain, explain as clearly as you can why you believe it is an error or why error. If you need more information. - , describe the item you are unsure about. c. Tell us the dollar amount and date of the suspected error. . d. Include your signature. e. If you tell us orally, we may require that you send us your complaint or question in writing within 10 calendar business 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 promptly correct any error promptlyerror. If we need more time, however, we may take up to 45 90 calendar days to investigate your complaint or question. . f. 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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members' rights to privacy) relied upon to conclude that we used in our investigationthe error did not occur. g. In case of errors or questions about your transaction write or call us at: Zing Credit Union 0000 Xxxxx Xxxxxx Xxxxxx, XX 00000 (000) 000-0000 h. If you discover that you card has been lost or stolen after business hours please call: Visa Credit Card: (000) 000-0000 or (000) 000-0000 Visa Debit Card: (000) 000-0000 or (000) 000-0000 ATM Access Card: (000) 000-0000 or (000) 000-0000

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed in this User Agreement, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. 1. Tell us your name and account number (if any). 2. - Describe the electronic error or the 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. 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 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. Business Days We will determine whether an error has occurred within 10 business days Business Days (5 Business Days for Columbia VISA® Debit Card point-of-sale transactions processed 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 Business Days (5 Business Days for Columbia 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 daysBusiness Days, we may not credit your account. For errors involving Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results in writing within three (3) business days 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone us at (000) 000-0000, the phone numbers or write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, the address set forth in 8a 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 statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem appeared - Tell us your name and account number (if any). - Describe the electronic 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 errorappears. If you tell us orally, we may require that you send us your a signed complaint or question in writing within 10 ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If we ask you to put need more information describe the item you are not sure about. d. Include your complaint or question in writing and we do not receive it within 14 calendar days, we may not re-credit your accountsignature. We will determine whether an error has 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. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or questionquestion (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will credit your account within 10 ten (10) business days (five (5) business days for Debit Card purchase transactions) 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 transactionsIf we decide after our investigation that an error did not occur, we may take up will deliver or mail 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. We will tell you the results in writing an explanation of our findings within three (3) business days after completing the conclusion of our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members' rights to privacy) relied upon to conclude that we used in our investigationthe error did not occur.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r electronic transfersyour Electronic Transfers, telephone contact 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, can at the above telephone number or address. Also contact us if you think your statement or receipt is wrong or if you need more information about a transfer or payment listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem appeared - or error appeared.  Tell us your name and account number (if any). - )  Describe the electronic error or the 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 orallyorally or contact us through secure email, we may require that you send us your complaint or question in writing within 10 calendar business 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 tell you the results of our investigation 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, this we will provisionally 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 questions 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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within three business days after we finish our investigation and we will reverse any provisional credit we made to your account. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your 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 000-000-0000 or 000-000-0000, write us at Alpena Alcona Area Credit Union – Accounting Department – 0000 X Xxxxxx Xx – PO Box 515 – Alpena, MI 49707, or e-mail 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 appeared - or error appeared.  Tell us your name and account number (if any). -  Describe the electronic error or the 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 calendar business 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-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 in writing within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. 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 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 transfers from you can, if 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 the following number or send us 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 appeared - appears. Call us at:  Tell us your name and account number (if any)number. -  Describe the electronic error or the 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 calendar ten (10) business 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 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. We will tell you the results in writing within 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have 20 business days instead 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, notice 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 y o u r your electronic transfers, telephone call us at (000) 000-0000, the telephone number or write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxthe address listed in this notice, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared or error appeared. - Tell us your name and account number (if any). ) - Describe the electronic error or the transfer you are unsure about, in question and explain, 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 calendar business 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 (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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors Email Globaling customer service at xxxxxxx@xxxxxxxxx.xx, or questions about y o u r electronic transfers, telephone us at (000) 000+0-000000-00-00-00-00, or write to us at Michigan Legacy Credit UnionGlobaling, LLC, 0000 Xxxxxx Xxx Xxx Xxxxx Xxxxx 000 Xxx Xxxxx, XX 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 or if you need more information about a transfer listed on the a statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent send or make available the FIRST statement on which the problem appeared - or error appeared. When you contact us: 1. Tell us your name and account number (if any). 2. - Describe the electronic error or the transfer you are unsure about, about and explain, 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 calendar ten (10) business 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 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 issue a provisional credit to your account within 10 ten (10) business days of your complaint 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 ninety (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. An account is considered a new account for thirty (30) days after you first deposit funds into your account. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone us at (000) 000000)000-0000, 0000 or write to us at Michigan Legacy Merrimack Valley Credit Union, 00000 000 Xxxxxxxxx XxXxxxxx, Xxxx Xxxx Xxxxxxxx Xxxxxxxx, XX 00000, or email . Contact us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, as soon as you can, can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem appeared - Tell us your or error appeared. You must include: • Your name and account number (if any). - number; • Describe the electronic error or the 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 ; • 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 calendar business 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 (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 Your account is considered 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 first 30 days after the first deposit is made unless each of you think is in erroralready has an established account with us before this account was opened. We will tell you the results in writing within three (3) 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about 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 If you think that your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We , we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem appeared - or error appeared.  Tell us your name and account Account number (if any). -  Describe the electronic error, the transfer or 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 will require that you send us your complaint or question in writing within 10 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 accountten (10) Business Days. We will determine whether an error has 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 accountAccount. For errors involving Your Account is considered a 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 first thirty (30) days after the first deposit is made, unless each of you think already has an established account with us before this Account is in erroropened. We will tell you the results in writing within three (3) business days 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.. CENTIER BANK 000 XXXX 00XX XXX. MERRILLVILLE, INDIANA 46410-6366

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about y o u r electronic transfersyour Electronic Transfers, telephone call us at (000) 000-00000000 or write us at: State Bank of Xxxxx, write to us at Michigan Legacy Credit Union000 Xxxxx 00, 00000 Xxxxxxxxx XxXxxxx, Xxxx Xxxx Xxxxxxxx XX 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, 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 statement or receipt. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem appeared - or error appeared.  Tell us your name and account number (if any). - number:  Describe the electronic error or the 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 provide us your complaint or question in writing within 10 calendar business 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, (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 An account is considered a 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 first 30 days after the first deposit is made, if you think is in errorare a new Customer. We will tell you the results in writing within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. 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. 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 after the notification, provided 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 y o u r your electronic transfers, telephone call us at (000) 000-0000, 000-0000 or write to us at Michigan Legacy Credit UnionThe Dime Bank, 00000 000 Xxxxxx Xxxxxx, XX Xxx 000, Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx XX 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - Tell us your name and account number (if any). - Describe the electronic transfer you are unsure about, and explain, as clearly as you can why you believe it is an or error or why you need more information. - Tell us the dollar amount of the suspected errorappeared. If you tell us orally, we may require that you send us your complaint or question in writing within 10 calendar business 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 (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 An account is considered a 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 30 days after the amount first deposit is made, if you think is in errorare a new customer. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.. For problem resolutions call us at 000-000-0000 or write to: The Dime Bank, 000 Xxxxxx Xxxxxx, XX Xxx 000, Xxxxxxxxx XX 00000 Our Business days are Monday through Friday – Holidays not included. THE DIME BANK‌ 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: 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 y o u r electronic transfersYour Electronic Transfers, call or write Us at the telephone us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed in this brochure, as soon as you You can, if you You think your Your statement or receipt is wrong or if you You need more information about a transfer listed on the statement or receipt. We must hear from you You no later than 60 days after we We sent the FIRST statement on which the problem appeared - or error appeared. Tell us your Us Your name and account number (if any). - Describe the electronic error or the transfer you You are unsure about, and explain, 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 that you You send us your Us Your complaint or question in writing within 10 calendar ten business 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 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 Your account is considered a 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 first 30 days after the first deposit is in errormade, unless each of You already has an established account with Us before this account is opened. We will tell you You the results in writing within three (3) 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: Monday through Friday excluding Federal Holidays Phone: 000.000.0000 MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST 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. If You make a deposit before closing on a business day that We are open, 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.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about y o u r electronic transfersyour Electronic Transfers, telephone call us at (000) 000-00000000 or write us at: State Bank of Xxxxx, write to us at Michigan Legacy Credit Union000 Xxxxx 00, 00000 Xxxxxxxxx XxXxxxx, Xxxx Xxxx Xxxxxxxx 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxIL 61019, 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 statement or receipt. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem appeared - or error appeared.  Tell us your name and account number (if any). - number:  Describe the electronic error or the 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 provide us your complaint or question in writing within 10 calendar business 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, (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 An account is considered a 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 first 30 days after the first deposit is made, if you think is in errorare a new Customer. We will tell you the results in writing within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. 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. 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 after the notification, provided that the items honored would have been paid if we had not debited the provisionally credit funds.

ERROR RESOLUTION NOTICE. In case cases of errors or questions about 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 transfers from you can, if 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 the following number or send us 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 appeared - appears. Call us at: • Tell us your name and account number (if any)number. - • Describe the electronic error or the 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 calendar ten (10) business 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 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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have 20 business days instead 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, notice 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 y o u r your electronic transfers, telephone us at (000) 000-0000, or write to us at Michigan Legacy Credit UnionHorizon Community Bank, 00000 Xxxxxxxxx Xx000 X. Xxxx Xxxxxx Xxx., Xxxx Xxxx Xxxxxxxx Xxxxxx Xxxx, XX 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. 7.1 Tell us your name and account number (if any). - number. 7.2 Describe the electronic error or the 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. - . 7.3 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 calendar business 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 provisionally 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 and up to 20 business days to credit your account for the amount you think is in an error. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call us at (000) 000-0000, 0000 or (888) 288-3261or write to us at Michigan Legacy Team One Credit Union, 00000 Xxxxxxxxx XxAttn: Support Services, Xxxx Xxxx Xxxxxxxx XX Xxx 0000, Xxxxxxx, XX 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. • Tell us your name and account number (if any). - ) • Describe the electronic error or the transfer you are unsure about, 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. error If you tell us orally, we may will require that you send us your complaint or question in writing within 10 calendar business 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 (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 complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account open at least 30 days with us before the account is in erroropened. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigationinvestigation by contacting us at the phone number or address shown on the first page of this disclosure.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about y o u r electronic transfers, telephone Questions About Your Electronic Transfers Telephone us at (000) 0-000-0000, 000-0000 or write to us at Michigan Legacy Credit Union000 Xxxxxx Xxx., 00000 Xxxxxxxxx XxToms River, Xxxx Xxxx Xxxxxxxx 00000NJ, 08753, Attn: Deposit Operations, or email E-mail us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, xxx.xxxxxxxxxx.xxx 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. (1) Tell us your name and account number (if any). - . (2) Describe the electronic error or the 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. - . (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 calendar business 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r electronic transfersyour EFT transactions, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed above, as soon as you can, if you think your statement or a transaction receipt is wrong or if you need more information about a transfer an EFT transaction listed on the statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent send the FIRST statement on which the problem or error appeared - with the following information: 1. Tell us your name and account number (if any); and 2. - Describe the electronic transfer error or the EFT transaction 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; and 3. - 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 fourteen (14) 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 ten (10) business days (twenty (20) business days if the EFT 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 EFT transaction 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 a provisional credit within 10 ten (10) business days (twenty (20) business days if the EFT 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 business fourteen (14) calendar days, we may not credit your account. For errors involving Your account is considered a 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 first ninety (90) days after the first deposit is made, unless you think already have an established account open at least ninety (90) days with us before the new account is in erroropened. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask us for copies of the documents that we used in our investigationinvestigation by contacting us at the telephone number and address shown above.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your 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 or if you need more information about a transfer listed on the statement or receipt, call or write us at the telephone number or address listed in this brochure or on your statement as soon as you can. We must hear from you no later than 60 calendar days after we sent the FIRST statement on which the problem appeared - or error appeared. a. Tell us your name and account number (if any). - number. b. Describe the electronic error or the 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. - . c. 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 calendar business 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 promptly correct any error promptlyerror. If we need more time, however, we may take up to 45 90 calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving An account is considered a 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 30 days after the amount first deposit is made, if you think is in errorare a new member. We will tell you the results in writing within three (3) two 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.. In case of errors or questions about your transaction write or call us at: Denver Community Credit union 0000 Xxxxx Xxxxxx Denver, CO 80204 (000)000-0000 If you discover that you card has been lost or stolen after business hours please call: VISA Credit Card: (000) 000-0000 or (000) 000-0000 VISA Debit Card: (000) 000-0000 or (000) 000-0000 ATM Access Card: (000) 000-0000 or (000) 000-0000

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress listed below, 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem appeared - or error appeared. 1) Tell us your name and account number (if any). - . 2) Describe the electronic error or the 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. - . 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 calendar business 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 (5 business days if a VISA transaction 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 foreign-initiated transfer) to investigate your complaint or questionquestions. If we decide to do this, we will provide provisional credit to your account within 10 business days (5 business days if involving a VISA transaction 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 An account is considered a 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 30 days after the amount first deposit is made, if you think is in errorare a new customer. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Address and Phone Number you may reach us at: Our policy is to make funds from your check deposits available to you the first business day after the day Park Bank receives your check deposit. The availability of funds deposited into an account may vary and is explained below. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. When we delay the depositor's ability to withdraw funds, the length of the delay is counted in business days from the date of deposit. Every day except Saturday, Sunday, and a Federal holiday is a business day. A deposit will be considered received, however, only on business days. And if a deposit is made after 6:00 p.m. on any given business day, we consider it made on the next business day. A depositor may withdraw the entire amount of a deposit of cash, wire transfers or pre-authorized electronic funds transfers. Our policy is to make funds from your check deposits available to you on the first business day after the day we receive your deposit. If deposits are made at automated teller machines (ATM) before 2:30 p.m., a depositor may withdraw funds from the deposits, whether cash or checks, on the second business day following the business day of the deposit.

ERROR RESOLUTION NOTICE. In case of errors or questions about 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, Notify the Bank as soon as you can, possible if you think see errors on your statement or receipt is wrong or if you have questions about your electronic transfers. Also, contact the Bank if you need more information about a transfer listed on the your statement or receipt. Telephoning is the best method for limiting your potential losses, but you may notify us by going to one of our Bank locations or in writing. Address: United Bank & Trust Telephone: 000-000-0000 Attn: Electronic Banking PO Box 428 Marysville, KS 66508 We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. Be careful to: a. Tell us your name and account number (if any). - . b. Describe the electronic error or the 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. - . c. 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 calendar ten (10) business 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 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 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-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or questionquestions. For new accounts, accounts we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.twenty

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, address listed in Section 1.6 of this disclosure as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. (a) Tell us your name and account number (if any). - . (b) Describe the electronic error or the 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. - . (c) Tell us the dollar amount of the suspected errorsuspectederror. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 calendar business 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 (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 provisionally 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 Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about y o u r your electronic transfers, telephone call us at (000) 000-0000 or 0-000-000-0000, twenty four hours a day, any day of the week; or write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Pathfinder Bank ATTN: E-Commerce 000 X 0xx Xx, Xxxx Xxxx Xxxxxxxx Xxxxxx, XX 00000, or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, as soon as you can, xxxxxxxxx@xxxxxxxxxxxxxx.xxx. Tell us promptly if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem appeared - or error appeared. (a) Tell us your name and account number number. (if any). - b) Describe the electronic error or the transfer you are unsure aboutthink is incorrect, and explain, as clearly as you can explain 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 that you to send us your complaint or question in writing within 10 calendar days. If we ask business days following the date 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 accountnotified us. We will determine whether an error has 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 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. We will tell you the results in writing of our investigation within three (3) 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about 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 or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - Tell us your name and account number (if any). - Describe the electronic 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 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 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about y o u r electronic transfers, telephone Questions About Your Electronic Transfers Telephone us at (000) 0-000-0000, 000-0000 or write to us at Michigan Legacy Credit Union000 Xxxxxx Xxx., 00000 Xxxxxxxxx XxToms River, Xxxx Xxxx Xxxxxxxx 00000NJ, 08753, Attn: Deposit Operations, or email E-mail us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxx, xxx.xxxxxxxxxx.xxx 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 statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared - or error appeared. (i) Tell us your name and account number (if any). - . (ii) Describe the electronic error or the 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. - . (iii) 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 calendar business 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-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. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about y o u r electronic transfersQuestions About Your Statements, telephone call or write us at (000) 000-0000, write to us at Michigan Legacy Credit Union, 00000 Xxxxxxxxx Xx, Xxxx Xxxx Xxxxxxxx 00000, the telephone number or email us at xxxxxxxxxx@xxxxxxxxxxxxxxxx.xxxaddress 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 statement or receiptstatement. We must hear from you no later than 60 days after we sent delivery of the FIRST statement on which the problem appeared - or error appeared. • Tell us your name and account number (if any). - · Describe the electronic error or the transfer you are unsure about, 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 calendar business 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 (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 Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results in writing within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. In the event of a 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 employees. This Agreement shall not be modified except in writing authorized by LCU.