Common use of Error Resolution Procedures Clause in Contracts

Error Resolution Procedures. In case of errors or questions about your electronic transfers, telephone or write to your Xxxxxxx Bank location at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure as soon as you can. Also contact your Xxxxxxx Bank location 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 or error appeared. (1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account). If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. (90 calendar days if the transfer involved a new account, a POS transaction or a foreign transfer). If we decide to do this, we will credit your account within 10 business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard 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. Your account is considered new for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account was opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution Procedures. In case case(s) of errors or questions about your electronic transfersEFTs, telephone us at 1-800- 000-0000 or write to your Xxxxxxx Bank location us at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure Commerce Bank, XX Xxx 000000, Xxxxxx Xxxx, XX 00000-0000 as soon as you can. Also contact your Xxxxxxx Bank location , 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. We must hear from you no later than 60 days after we sent the FIRST deposit statement on which the problem or error appeared. (1)  Tell us your name and account number (if any)number. (2)  Tell us the name of the merchant, the transaction date and the dollar amount of the suspected error.  Describe the error or the transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information. (3)  Tell us if you have already attempted to resolve the dollar amount of issue directly with the suspected errormerchant.  If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account)promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. (90 calendar days if the transfer involved a new account, a POS transaction or a foreign transfer). If we decide to do this, we will credit your deposit account within 10 business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account) for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your deposit account. Your 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 is considered new for the first 30 days after the first deposit amount you think is made, unless each of you already has an established account with us before this account was openedin error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. TOGGLE® FEATURE Commerce may add toggle® to any Qualified Commerce Visa or MasterCard Credit Card Account.

Error Resolution Procedures. In case of errors or questions about your electronic transfersCard, telephone call 0-000-000-0000 or write to your Xxxxxxx write: Commerce Bank location at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure Attn: Dispute Processing, P. O. Xxx 000000, Xxxxxx Xxxx, XX 00000-0000 as soon as you can. Also contact your Xxxxxxx Bank location 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 allow you no later than 60 to report an error until sixty (60) days after the earlier of the date you electronically access your history of Card transactions, if the error could be viewed in your electronic history, or the date we sent the FIRST written statement or other history on which the problem or error appeared. (1) Tell You may request a written statement of your transactions at any time by calling us your at 0-000-000-0000 or writing us at Commerce Bank, X.X. Xxx 000000, Xxxxxx Xxxx, XX 00000-0000. You will need to tell us: • Your name and account number (if any)Card number. (2) • Describe the error or the transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) • Tell us the date, type, merchant name (if applicable) and dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred within 10 business days ten (10) Business Days after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account)promptly. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or question. (90 calendar days if the transfer involved a new account, a POS transaction or a foreign transfer). If we decide to do this, we will credit your account Card within 10 business days ten (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not credit your accountCard. Your account is considered For errors involving new Card relationships, point-of-sale, or foreign-initiated transactions we may take up to ninety (90) calendar days to investigate your complaint or question. For new Card relationships, we may take up to twenty (20) Business Days to credit your Card for the first 30 days after the first deposit amount you think is made, unless each of you already has an established account with us before this account was openedin error. We will tell you the results within three business days (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 need more information about our error-resolution procedures, call us at 0-000-000-0000 or visit xxxxxxxxxxxx.xxx/xxXxxxxxxxXxxx.

Error Resolution Procedures. In case of errors or questions about your Your electronic transfers, telephone You agree to call or write to your Xxxxxxx Us at (000)000-0000 or Farmers Savings Bank location at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure PO Box 127,Colesburg, IA 52035 as soon as you You can. Also contact your Xxxxxxx Bank location , 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 receiptstatement. We must hear from you You no later than 60 days after we We sent the FIRST statement on which the problem or error appeared. (1) • Tell us your Us Your name and account number (if any)Account number. (2) • Describe the error or the transfer you You are unsure about about, and explain as clearly as you You can why you You believe it is an error or why you You need more information. (3) • 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 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account)Account) after We hear from You and will correct any error promptly. If we We need more time, however, we We may take up to 45 calendar days to investigate your complaint or question. (90 calendar days days) if the transfer involved a new accountAccount, a POS transaction point-of-sale transaction, or a foreign foreign-initiated transfer)) to investigate Your complaint or question. If we We decide to do this, we We will credit your account Your Account within 10 business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new accountAccount) 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 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 business days, we We may not credit your accountYour Account. Your account An Account is considered a new Account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account was openedif You are a new customer. We will tell you You the results within three 3 business days after completing our the 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 investigation. Disclosure of Account Information. See Farmers Savings Bank’s Privacy Policy for additional information. Notices/Contact Information. Unless otherwise provided in this Agreement, for notices required to be given to Us by this agreement, call Us at (000) 000-0000 or send written correspondence to Farmers Savings Bank PO Box 127 Colesburg, IA 52035. You may update Your SMS Mobile Banking profile and make changes to Your SMS Mobile Banking service through Farmers Savings Bank’s Internet Banking. We will notify You of any changes, fees, or other information about Mobile Banking, if required by law. Notices required to be given by Us under this Agreement or by law may be sent to You.

Error Resolution Procedures. In case of errors or questions about your electronic transfers, telephone you agree to call or write to your Xxxxxxx us at 000-000-0000 or Orange Bank location at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure & Trust Company, 000 Xxxxxx Xxxxxx, Middletown NY 10940 as soon as you can. Also contact your Xxxxxxx Bank location , 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 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. (1)  Tell us your name and account number (if any)number. (2)  Describe the error or the transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information. (3)  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 ten (10) business days (twenty (20) business days if the transfer involved a new account) after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account)promptly. If we need more time, however, we may take up to 45 calendar forty-five (45) days to investigate your complaint or question. (90 calendar ninety (90) days if the transfer involved a new account, a POS transaction ) to investigate your complaint or a foreign transfer)question. If we decide to do this, we will credit your account within 10 ten (10) business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 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 ten (10) business days, we may not credit your account. Your An account is considered a new account for the first 30 thirty (30) days after the first deposit is made, unless each of if you already has an established account with us before this account was openedare a new customer. We will tell you the results within three 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 ask for copies of the documents that we used in our investigation. Presentment- The manner in which the items are cleared, presented for payment and collected shall be in the Bank’s sole discretion subject to the Account Agreement and associated disclosures governing your account. Limitations of Service- When using the Service, you may experience technical or other difficulties. We will attempt to post alerts to our website(s) to notify you of these interruptions in service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. The Service has some qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend, or discontinue the Service, in whole or in part, or your use of the Service, in whole or part, immediately and at any time without prior notice to you. Ownership & License- You agree that the Bank retains all ownership and proprietary rights in the Service, associated content, technology, and website(s). Your use of the Service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the foregoing, you may not use the Service (i) in any anti- competitive manner, (ii) for any purpose which would be contrary to the Bank’s business interest, or (iii) to the Bank’s actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service. Change in Terms-This Agreement is subject to change from time to time. We will notify you of any material change, including fees, via email, text/statement message, or on our website(s). Your continued use of the Service will indicate your acceptance of the revised Agreement. Further, the Bank reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Service. Your continued use of the Service will indicate your acceptance of any such changes to the Service.

Error Resolution Procedures. In case of errors or questions about your electronic transfers, telephone or write to your Xxxxxxx Bank location at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure as soon as you can. Also contact your Xxxxxxx Bank location 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 or error appeared. (1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard Visa and 20 business days if the transfer involved a new account). If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. (90 calendar days if the transfer involved a new account, a POS transaction or a foreign transfer). If we decide to do this, we will credit your account within 10 business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard 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. Your account is considered new for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account was opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Time Needed to Complete Terminal Transaction. Transaction made at a terminal will normally be completed and charged to your account the same business day.

Error Resolution Procedures. In case cases of errors or questions about your electronic transfers, telephone : Call us or write to your Xxxxxxx Bank location us at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure above as soon as you can. Also contact your Xxxxxxx Bank location , 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 or error appeared. (1) • Tell us your name and account number (if any)Account number. (2) • Describe the error or the transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) • Tell us the date, type and dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account)promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. (90 calendar days if the transfer involved a new account, a POS transaction or a foreign transfer). If we decide to do this, we will credit your account Account within 10 business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account) for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your accountAccount. Your 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 is considered new for the first 30 days after the first deposit amount you think is made, unless each of you already has an established account with us before this account was openedin error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. FOREIGN & U.S. CURRENCY/CONVERSION RATES AND FEES Purchases and cash withdrawals made in currencies other than U.S. Dollars will be converted to U.S. Dollars under regulations established by VISA International. Conversion will be at a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. Conversion to U.S. Dollars may occur on a date other than the date of the transaction. Therefore, the conversion rate may be different from the rate in effect at the time of the transaction. You agree to pay the converted amount, plus a 3% international service fee. For purchases, cash withdrawals, and cash advances made in U.S. dollars outside of the United States and its territories, you agree to pay the transaction amount, plus a 3% service assessment fee.

Error Resolution Procedures. In case of errors or questions about your electronic transfers, telephone Electronic Fund Transfers call 1-800- 000-0000 or write to your Xxxxxxx Bank location at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure as soon as you canto: Trademark FCU, 00 Xxxxxx Xxxxx, Xxxxxxx, Xxxxx 00000. Also contact your Xxxxxxx Bank location if 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 , we must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appeared. When you telephone us or write to us: (1) Tell us your name and account number (if anynumber(s). ; (2) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an in 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 ten business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days after from when we hear from you and will promptly correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account)error. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. (90 calendar days if the transfer involved a new account, a POS transaction or a foreign transfer)questions. If we decide to do this, we will credit your account within 10 business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard 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 ten business days, we may not credit your account. Your account is considered new for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account was opened. We will tell you the results within three business days after completing our investigation. If we decide determine 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. Other EFT Services Available – We do offer Trademark Online (online banking), Trademark Mobile (mobile banking), text banking, remote deposit capture service (DeposZip) and online bill payment. You can sign up for these services and additional products through Trademark Online or Trademark Mobile. At that time in order to use those services, you will need to acknowledge and accept separate disclosures at that time. If you would like a copy of these disclosures please contact Trademark FCU for a paper copy.

Error Resolution Procedures. In case of errors or questions about your electronic transfers, telephone you agree to call or write to your Xxxxxxx us at 000-000-0000 or Orange Bank location at the phone number or address listed at the end of this Electronic Funds Transfer Disclosure & Trust Company, 000 Xxxxxx Xxxxxx, Middletown NY 10940 as soon as you can. Also contact your Xxxxxxx Bank location , 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 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. (1) • Tell us your name and account number (if any)number. (2) • Describe the error or the transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 ten (10) business days (twenty (20) business days if the transfer involved a new account) after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account)promptly. If we need more time, however, we may take up to 45 calendar forty-five (45) days to investigate your complaint or question. (90 calendar ninety (90) days if the transfer involved a new account, a POS transaction ) to investigate your complaint or a foreign transfer)question. If we decide to do this, we will credit your account within 10 ten (10) business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 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 ten (10) business days, we may not credit your account. Your An account is considered a new account for the first 30 thirty (30) days after the first deposit is made, unless each of if you already has an established account with us before this account was openedare a new customer. We will tell you the results within three 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 ask for copies of the documents that we used in our investigation. Presentment- The manner in which the items are cleared, presented for payment and collected shall be in the Bank’s sole discretion subject to the Account Agreement and associated disclosures governing your account. Limitations of Service- When using the Service, you may experience technical or other difficulties. We will attempt to post alerts to our website(s) to notify you of these interruptions in service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. The Service has some qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend, or discontinue the Service, in whole or in part, or your use of the Service, in whole or part, immediately and at any time without prior notice to you. Ownership & License- You agree that the Bank retains all ownership and proprietary rights in the Service, associated content, technology, and website(s). Your use of the Service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the foregoing, you may not use the Service (i) in any anti- competitive manner, (ii) for any purpose which would be contrary to the Bank’s business interest, or (iii) to the Bank’s actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service. Change in Terms-This Agreement is subject to change from time to time. We will notify you of any material change, including fees, via email, text/statement message, or on our website(s). Your continued use of the Service will indicate your acceptance of the revised Agreement. Further, the Bank reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Service. Your continued use of the Service will indicate your acceptance of any such changes to the Service.

Error Resolution Procedures. In case of errors or questions about your electronic transfers, telephone you agree to call or write to your Xxxxxxx Bank location us at the phone number 000-000-0000 or address listed at the end of this Electronic Funds Transfer Disclosure Orange County Trust Company, 000 Xxxxxx Xxxxxx, Middletown NY 10940 as soon as you can. Also contact your Xxxxxxx Bank location , 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 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. (1)  Tell us your name and account number (if any)number. (2)  Describe the error or the transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information. (3)  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 ten (10) business days (twenty (20) business days if the transfer involved a new account) after we hear from you and will correct any error promptly (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 business days if the transfer involved a new account)promptly. If we need more time, however, we may take up to 45 calendar forty-five (45) days to investigate your complaint or question. (90 calendar ninety (90) days if the transfer involved a new account, a POS transaction ) to investigate your complaint or a foreign transfer)question. If we decide to do this, we will credit your account within 10 ten (10) business days (5 business days for a Debit/ATM card POS transaction processed by Mastercard and 20 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 ten (10) business days, we may not credit your account. Your An account is considered a new account for the first 30 thirty (30) days after the first deposit is made, unless each of if you already has an established account with us before this account was openedare a new customer. We will tell you the results within three 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 ask for copies of the documents that we used in our investigation. Presentment- The manner in which the items are cleared, presented for payment and collected shall be in the Bank’s sole discretion subject to the Account Agreement and associated disclosures governing your account. Limitations of Service- When using the Service, you may experience technical or other difficulties. We will attempt to post alerts to our website(s) to notify you of these interruptions in service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. The Service has some qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend, or discontinue the Service, in whole or in part, or your use of the Service, in whole or part, immediately and at any time without prior notice to you. Ownership & License- You agree that the Bank retains all ownership and proprietary rights in the Service, associated content, technology, and website(s). Your use of the Service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the foregoing, you may not use the Service (i) in any anti- competitive manner, (ii) for any purpose which would be contrary to the Bank’s business interest, or (iii) to the Bank’s actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service. Change in Terms-This Agreement is subject to change from time to time. We will notify you of any material change, including fees, via email, text/statement message, or on our website(s). Your continued use of the Service will indicate your acceptance of the revised Agreement. Further, the Bank reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Service. Your continued use of the Service will indicate your acceptance of any such changes to the Service.