Common use of Error Resolution Clause in Contracts

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 ten

Error Resolution. In Case If you believe that you did not authorize an electronic fund transaction, if you need a copy of Errors a transaction receipt from a Merchant, if you think your statement or Questions About Your Prepaid Card Accountreceipt is wrong, telephone us at 0-000-000-0000 or if you need more information about a transaction listed on the statement or receipt, you should call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report an error until errors no later than sixty (60) days after the earlier of the date information is available to you electronically access on your account, if the error could be viewed periodic statement or in your electronic history, statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: (a) your name and your HSA Deposit Account number; (b) describe the error or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name transaction you are unsure about and Card Account number. Why explain as clearly as you can why you believe there it is an error, error or why you need more information; and (c) the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question questions in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, error so that you will have access to 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 tenten (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 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. In Case of Errors or Questions About Your Prepaid Card Account, telephone us at 0-000-000-0000 or 0000, write us at 0000 X. Xxxxxxxxxx XxxxxPO Box 2155, Xxxx# 000Sioux Falls, Xxxxx XxxxxxSD 57101, XX 00000 or email us at Xxxxxxx@XxxXxxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxPO Box 2155, Xxxx# 000Sioux Falls, Xxxxx Xxxxxx, XX 00000SD 57101. You will need to tell us: Your name and Card Account prepaid account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this,, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 ten

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Account, questions about an EFT: telephone us at 0-000-000-0000 the following number or write send us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 a written notice to the following address as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the error appearedproblem appears. You may request a written history of • Call or write us at: Purdue Federal Credit Union PO Box 1950, West Lafayette, IN 47996-1950 800.627.3328 (toll free), 765.497.3328 • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why • Describe the error or transfer you are unsure about, and explain as clearly as you can, why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error has occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. For errors involving new accounts, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. NOTE: If the error you assert is an unauthorized Visa transaction, as described in Section 4, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid questions about your Card Accountor if any statement shows transactions that you did not make, telephone call or write to us at the telephone number and address listed as follows: Call toll free 0-000-000-0000 0000, 24 hours a day, 7 days a week, or write us at 0000 X. Xxxxxxxxxx Xxxxxto: Cardholder Services PO Box 7235 Sioux Falls, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card accountSD 57117-7235 or xxx.xxxxxxx-xxxx.xxx. We must allow you to report an error until sixty (60) 60 days after the earlier of the date you electronically access your accountAvailable Balance, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 01-000-888- 000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000the address shown above. You will need to tell us:  Your name and Card Account number. ;  Why you believe there is an error, and the dollar amount involved. ;  Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Card within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your Card. 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 Card for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Account, telephone us at 0-000-000-0000 questions about your Electronic Fund Transfers you may call or write us our Member Services Department at 0000 X. Xxxxxxxxxx XxxxxPO Box 5002, Xxxx# 000Great Falls, Xxxxx Xxxxxx, XX 00000 as soon as MT 59403-5002. If you can, think your statement or receipt is wrong or if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement or receipt, we must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we will require that you send us your complaint or question in writing within ten (10) business days. If we do not receive it within the allotted time, we may not credit your account. Please provide the following. • Tell us your name and account number (for security purposes only last 4 digits of your account number). • Tell us the dollar amount of the suspected error. • Describe the error or the transfer you are unsure about, and explain why you believe it is an error or why you need more information. We will determine whether an error occurred tell you the results of our investigation within ten (10) 10 business days (5 business days for unauthorized POS or 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 forty45 days (90 days for POS, foreign-five (45initiated transfers or a new account) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) 10 business days (5 business days for unauthorized POS or 20 business days for new account) for the amount you think is in error, error so that you will have access to the use of the money during the time it takes us to complete our investigation. If we determine that an error did NOT occur, any provisional credit made to your account will be reversed. We will send you a written explanation within 3 business days after we finish our investigation. You may ask you to put your complaint or question for copies of the documents that we used in writing and we do not receive it within tenour investigation.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us at 0-(000) 000-000-0000 0000, send us a secure message through our online banking platform, or write us at 0000 X. Xxxxxxxxxx Xxxxxx Xxxx, Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. Unauthorized transactions are considered errors for the purposes of the following procedures. We must allow hear from you to report an error until sixty no later than ten (6010) days Business Days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 appeared or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You you will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when be precluded from asserting the error took placeagainst us. If you tell us orally, we will require that you send us your complaint or question in writing within ten three (103) business calendar days. When you bring an error to our attention: tell us your name and account number; describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and tell us the dollar amount of the suspected error. We may require you to complete a written form for this purpose. We will determine whether an error occurred within ten twenty-one (1021) business calendar days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty(60) calendar days to investigate your complaint or question. For errors involving new accounts, point-five of-sale transactions, or foreign-initiated transactions, we may take up to ninety (4590) days to investigate your complaint or question. If we decide to do thisFor new accounts, we will may take up to twenty (20) Business Days to credit your account within ten (10) business days for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. We may, so that in our sole discretion, extend a provisional credit to you will have access to for the money amount in dispute during the time it takes us to complete our investigation. If we decide that there was no error, we will send you a written explanation, and you agree to refund to us the amount of the provisional credit and authorize us to use our right of setoff (as described in our Commercial Account Agreement) to satisfy this debt to us. You may ask you to put your complaint or question for copies of the documents that we used in writing and we do not receive it within tenour investigation.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us at 0-000-000-0000 in Clarkfield or write to us at 0000 X. Xxxxxxxxxx XxxxxF&M Bank Minnesota, Xxxx# XX Xxx 000, Xxxxx Xxxxxxxxxx, XX 00000, or call us at 000-000-0000 in Olivia or write to us at F&M Bank Minnesota, XX Xxx 00, Xxxxxx, XX 00000 00000. 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 contact us as soon as you can, if you think an error has occurred in your prepaid card account. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of 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 tenten (10) business days, we may not credit your account. If a notice of error involves an electronic fund transfer, point of sale debit card transaction, or foreign-begun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five

Error Resolution. In Case the case of Errors errors or Questions About Your Prepaid Card Accountquestions about any of your electronic transfers, telephone us at 0-000-000-0000 0000, or write us to the Bank at 0000 X. Xxxxxxxxxx XxxxxP.O. Box 105972, Xxxx# 000Atlanta, Xxxxx XxxxxxGA 30348-5972, or for expedited courier service, 000 Xxxx Xxxxxx Xx., Xxxxxxx, XX 00000 as soon as you can, can if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent or made available to you the FIRST written history statement on which the problem or error appeared. You may request a written history of must: • Give your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why ; • Describe the error or transfer you are unsure about and explain as clearly as you can why you believe there it is an error, error or why you need more information; and • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question to us in writing within ten (10) business days10 Business Days. We will determine whether an error occurred within ten (10) business days 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we it may take up to forty-five (45) 45 days to investigate your complaint or question. If we decide need additional time to do thisinvestigate, we will provide a provisional credit to your account within ten (10) business days 10 Business Days for the amount you think is in error, error so that you will have access to 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 the written correspondence within ten10 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 notify you of the results within 3 Business Days after we complete our investigation. If we determine that there was no error, we will send you a written explanation and may reverse any credit provided. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us at 0-000-000-0000 or write to us at 0000 X. Xxxxxxxxxx Granite Falls Bank, XX Xxx 0, Xxxxxxx Xxxxx, Xxxx# 000XX 00000. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, Xxxxx Xxxxxx, XX 00000 call or contact us as soon as you can, if you think an error has occurred in your prepaid card account. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of 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 tenten (10) business days, we may not credit your account. If a notice of error involves an electronic fund transfer, point of sale debit card transaction, or foreign-begun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us at 0-000-000-0000 in Clarkfield or write to us at 0000 X. Xxxxxxxxxx XxxxxF&M Bank Minnesota, Xxxx# XX Xxx 000, Xxxxx Xxxxxxxxxx, XX 00000; call us at 000-000-0000 in Olivia or write to us at F&M Bank Minnesota, XX Xxx 00, Xxxxxx, XX 00000 00000; or call us at 000-000-0000 in Renville, or write to us at F&M Bank Minnesota, XX Xxx 000, Xxxxxxxx, XX 00000. 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 contact us as soon as you can, if you think an error has occurred in your prepaid card account. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of 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 tenten (10) business days, we may not credit your account. If a notice of error involves an electronic fund transfer, point of sale debit card transaction, or foreign-begun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 South Jordan UT 84095-1004 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000South Jordan UT 84095-1004. You will need to tell us: Your name and Card Account [prepaid account] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. (Keep reading to learn more about how to register your card.) For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 000-000-0000 (the telephone number shown above) or visit xxx.xxxxxxxxxxxx.xxx. It is important to register your prepaid account as soon as possible. Unless you register your account, we are not required to research or resolve any errors regarding your account. To register your account, go to PO Box 951004, South Jordan UT 00000-0000 or call us at 000-000-0000. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number, government-issued identification number), so that we can verify your identity.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at 01-000888-0008CAPFED (1-0000 888-822- 7333) or write us at 0000 Capitol Federal Savings Bank, 000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx Xxxxxx, Xxxxxx XX 00000 or e-mail us at xxxxxxx@xxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty45 days to investigate your complaint or question. For point-five (45) of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not provisionally credit your account. If you are a new customer, the following special rules will apply during the first 30 days your account is open. We may take up to 20 business days to investigate your complaint or question. If we need more time, however, we may take up to 90 days to investigate your complaint or questions. If we decide to do this, we will provisionally credit your account within 20 business days for the amount you think is in error, so you will have the use of the money during the time it takes us to complete our investigation. 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. In Case of Errors or Questions About Your Prepaid Payroll Card Account, telephone Account Telephone us at 0-000-000-0000 for assistance or write Write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000XX Xxx 000000, Xxxxx Xxxxxx, Xxxxxx XX 00000 00000-0000 or email us at xxx.xxxxxxxxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid payroll card account. We must allow you to report an error until sixty (60) 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0844-000-000-0000 311- 2772 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000XX Xxx 000000, Xxxxx Xxxxxx, Xxxxxx XX 00000-0000. You will need to tell us: Your name and Card Account [payroll card account] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, ; so that you will have access to 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 ten10 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 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. If you need more information about our error-resolution procedures, call us at 000-000-0000 for assistance, or visit xxx.xxxxxxxxxxxx.xxx.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at 01-000888-0008CAPFED (1-0000 888-822- 7333) or write us at 0000 Capitol Federal Savings, 000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx Xxxxxx, Xxxxxx XX 00000 or e-mail us at xxxxxxx@xxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we require may request that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty45 days to investigate your complaint or question. For point-five (45) of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not provisionally credit your account. If you are a new customer, the following special rules will apply during the first 30 days your account is open. We may take up to 20 business days to investigate your complaint or question. If we need more time, however, we may take up to 90 days to investigate your complaint or questions. If we decide to do this, we will provisionally credit your account within 20 business days for the amount you think is in error, so you will have the use of the money during the time it takes us to complete our investigation. 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. In Case case of Errors errors or Questions About Your Prepaid questions about your Card Accountor if any statement shows transactions that you did not make, telephone call or write to us at the telephone number and address listed as follows: Call toll free 0-000-000-0000 0000, 24 hours a day, 7 days a week, or write us at 0000 X. Xxxxxxxxxx Xxxxxto: Cardholder Services PO Box 7235 Sioux Falls, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card accountSD 57117-7235 or xxx.xxxxxxx-xxxx.xxx. We must allow you to report an error until sixty (60) 60 days after the earlier of the date you electronically access your accountAvailable Balance, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 01-000-888- 000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000the address shown above. You will need to tell us: • Your name and Card Account number. ; • Why you believe there is an error, and the dollar amount involved. ; • Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Card within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your Card. 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 Card for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case You agree to examine your receipts and periodic statements using ordinary care and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of Errors 60 days from when the statement containing the error or Questions About Your Prepaid Card Accountproblem was first mailed or made available to you. If you do not report within 60 days, telephone we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that if you fail to report to us at 0-000-000-0000 within 14 days from when the statement was first mailed or made available to you that we will not be required to pay dividends or interest on any refund to which you may be entitled. We will only recredit your account for errors or problems as required by law. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in immediately with errors or questions about your electronic history, transfers at the telephone number or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placeaddress listed in this disclosure. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 14 business days. We For transactions processed by Visa, we will determine whether an error occurred within ten (10) 5 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 5 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. 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. For transactions not processed by Visa, we will investigate the matter and notify you of the results within a reasonable amount of time. The exact time will depend on the specific circumstances of the error or problem. You may ask you to put for copies of the documents that we used in our investigation. MIDFLORIDA CREDIT UNION HELP DESK P.O. BOX 8008 LAKELAND, FLORIDA 33802 Business Days: Monday through Saturday Excluding Federal Holidays Phone: (000) 000-0000 or Toll Free (000) 000-0000 MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your complaint or question in writing and we do not receive it within tenown safety, be careful. The following suggestions may be helpful.

Error Resolution. What is an Error An "Error" means the following: • When money is either incorrectly taken from your PayPal account or incorrectly placed into your PayPal account, or when a transaction is incorrectly recorded in your PayPal account. • You send a payment and the incorrect amount is debited from your PayPal account. • An incorrect amount is credited to your PayPal account. • A transaction is missing from or not properly identified in your PayPal account statement. • We make a computational or mathematical error related to your PayPal account. What is not considered an Error The following are NOT considered Errors: • If you give someone access to your PayPal account (by giving them your login information) and they use your PayPal account without your knowledge or permission. You are responsible for transactions made in this situation. • Invalidation and reversal of a payment as a result of the actions described under Refunds, Reversals and Chargebacks. • Refunds, Reversals and Chargebacks. In Case case of Errors or Questions About Your Prepaid Card Account, telephone questions about your electronic transfers Contact us at 0-000-000-0000 our Resolution Centre; or write to us at 0000 X. Xxxxxxxxxx Legal Department, PayPal Payment Private Limited Xxxx X, XX&XX Xxxxxxxxx Xxxxxx, 0xx Xxxxx, 00, X Xxxxx XXX, Xxxxxx Xxxx# 000, Xxxxx Xxxxxx, XX 00000 Xxxxxxxxxxx 000000 Notify us as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days10 Business Days. We will determine whether an error occurred within ten (10) business days 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your PayPal account within ten (10) business days 10 Business Days for the amount you think is in error, so that you will have access to 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 ten10 Business Days, we may not credit your PayPal account. For errors involving new PayPal accounts, point-of-sale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new PayPal accounts, we may take up to 20 Business Days to credit your PayPal account for the amount you think is in error. We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Processing Errors We will rectify any processing error that we discover. If the error results in: • You receiving less than the correct amount to which you were entitled, then we will credit your PayPal account for the difference between what you should have received and what you actually received. • You receiving more than the correct amount to which you were entitled, then we will debit your PayPal account for the difference between what you actually received and what you should have received. • Our not completing a transaction on time or in the correct amount, then we will be responsible to you for your losses or damages directly caused by this failure, unless: o through no fault of ours, you did not have enough available funds to complete the transaction; o our system was not working properly, and you knew about the breakdown when you started the transaction; or o the error was due to extraordinary circumstances outside our control (such as fire, flood or loss of Internet connection), despite our reasonable precautions. Processing errors are not: • Delays that result from PayPal applying holds, limitations or reserves. • Delays based on a payment review. • Delays described under How to buy something related to the time it may take for a purchase transaction to be completed in some situations. • Your errors in making a transaction (for example, mistyping an amount of money that you are sending). PAYPAL USER AGREEMENT

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic fund transfers, telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx XxxxxCard and ATM Services, Xxxx# 000PO Box 28540, Xxxxx XxxxxxRaleigh, XX 00000 NC 27611 as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appearedfirst appeared was made available to you. You may request a written history of • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 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 within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. ACH Transactions Automated Clearing House (ACH) entries are debits or credits to your account which are transmitted through the ACH system. All ACH entries are subject to the Operating Rules and Guidelines of the National Automated Clearing House Association (NACHA Rules). As the originator or receiver of an ACH entry, you are bound by the NACHA Rules. ACH entries are a type of electronic fund transfer. As a result, ACH entries to and from your account are also subject to Regulation E, as described in the preceding section “Electronic Fund Transfers.”

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Telephone us at 0-000-000the Deposit Operations Center at (000)000-0000 from anywhere in the United States or write us at 0000 X. Xxxxxxxxxx Xxxxxat: Essex Savings Bank, Xxxx# Deposit Operations Center, XX Xxx 000, Xxxxx XxxxxxXxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card accountperiodic statement is wrong or if you need more information about a transfer listed on the periodic statement. We must allow hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared, but if you have chosen to report an error until have statements sent to you electronically, you will have sixty (60) days after the earlier of the date statement is both sent to you electronically access and made available in Online Banking to notify us. You must:  Tell us your account, if name and Account number(s)  Describe the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name transfer you are unsure about and Card Account number. Why explain as clearly as you can why you believe there it is an error, and error or why you need more information  Tell us the dollar amount involved. Approximately when of the suspected error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten (10) business days 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days 10 Business Days for the amount you think is in error, so that you will have access to 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 ten10 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 within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For errors you believe have occurred involving your overdraft line of credit, you do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your overdraft line of credit Account xxxx that are not in question. While we investigate your question, we cannot report the amount in question as delinquent or take any action to collect the amount you question.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about electronic fund transfers from your savings and checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at 0-the following number or send us a 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 statement on which the problem appears. Call us at: (000-) 000-0000 or write to: Extra Credit Union 0000 Xxxxxxx Warren, MI 48092 o Tell us at 0000 X. Xxxxxxxxxx Xxxxxyour name and account number o Describe the electronic transfer you are unsure about and explain, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon clearly as you can, if why you think believe it is an error has occurred in your prepaid card accountor why you need more information. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling o Tell us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) )** business days for the amount you think is in error, error so that you will have access to the use of your 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 tenten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. *If you give notice of an error occurring within thirty (30) days after you made the first deposit to your account, we may take up to twenty (20) business days instead of ten (10) business days to investigate the error. **If you give notice of an error occurring within thirty (30) days after you made the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we may take up to ninety (90) days instead of forty-five (45) to investigate the error. Additionally, for errors occurring within 30 days after you make the first deposit to your account, we may take up to twenty (20) business days instead of ten (10) business days to credit your account. Business Days Our business days are Monday through Friday, excluding holidays. Disclosure of Account Information We will disclose information to third parties about your account or the transfers you make: o Where it is necessary to complete transfers. o In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant. o In order to comply with any law, governmental agency or court orders. o If you give us written permission.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Telephone us at 0-000-000the Deposit Operations Center at (000)000-0000 from anywhere in the United States or write us at 0000 X. Xxxxxxxxxx Xxxxxat: Essex Savings Bank, Xxxx# 000Deposit Operations Center, Xxxxx XxxxxxPO Box 950, XX 00000 Essex, CT 06426 as soon as you can, if you think an error has occurred in your prepaid card accountperiodic statement is wrong or if you need more information about a transfer listed on the periodic statement. We must allow hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared, but if you have chosen to report an error until have statements sent to you electronically, you will have sixty (60) days after the earlier of the date statement is both sent to you electronically access and made available in Online Banking to notify us. You must: ▪ Tell us your account, if name and Account number(s) ▪ Describe the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name transfer you are unsure about and Card Account number. Why explain as clearly as you can why you believe there it is an error, and error or why you need more information ▪ Tell us the dollar amount involved. Approximately when of the suspected error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten (10) business days 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days 10 Business Days for the amount you think is in error, so that you will have access to 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 ten10 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 within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For errors you believe have occurred involving your overdraft line of credit, you do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your overdraft line of credit Account bill that are not in question. While we investigate your question, we cannot report the amount in question as delinquent or take any action to collect the amount you question.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Electronic Transfers Telephone us at 0-000-000-0000 or 0000; write us at 0000 X. Xxxxxxxxxx XxxxxTokenizer, Xxxx# 00000000 X 0xx Xx X000 Xxxxx X, Xxxxx XxxxxxXxxxxxx, XX 00000 00000; or email us at xxxxxxx@xxxxxxxxx.xx or use the chat option on our website: xxx.xxxxxxxxx.xx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (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 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If we credit your Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us at 0-(000) 000-000-0000 0000, send us a secure message through our online banking platform, or write us at 0000 X. Xxxxxxxxxx Xxxxxx Xxxx, Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. Unauthorized transactions are considered errors for the purposes of the following procedures. We must allow hear from you to report an error until no later than sixty (60) calendar days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. When you bring an error to our attention: tell us your name and account number; describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and tell us the dollar amount of the suspected error. We may require you to complete a written form for this purpose. We will determine whether an error occurred within ten (10) business days Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have access to 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 tenten (10) Business Days, we may not credit your account. For errors involving new accounts, point-of-sale transactions, or foreign-initiated transactions, we may take up to ninety (90) calendar days to investigate your complaint or question. For new accounts, we may take up to twenty (20) Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation, and you agree to refund to us the amount of the provisional credit and authorize us to use our right of setoff (as described in our Consumer Account Agreement) to satisfy this debt to us. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Payroll Card Account, telephone Account Telephone us at 0-000-000-0000 or write Write us at 0000 X. Xxxxxxxxxx XxxxxP.O. Box 3003, Xxxx# 000Enid, Xxxxx Xxxxxx, XX 00000 OK 73702 or email us at xxxxxxxxxxxxxxx@xxxxxxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxP.O. Box 3003, Xxxx# 000Enid, Xxxxx Xxxxxx, XX 00000OK 73702. You will need to tell us: Your name and Card Account (prepaid account)] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. (Keep reading to learn more about how to register your card.) For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 000-000-0000 (the telephone number shown above) or visit xxx.xxxxxxxxxxxx.xxx It is important to register your prepaid account as soon as possible. Unless you register your account, we are not required to research or resolve any errors regarding your account. To register your account, go to xxx.xxxxxxxxxxxx.xxx or call us at 000-000-0000. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number, government-issued identification number), so that we can verify your identity.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Account, telephone questions about your electronic transfers call us at 0-000-000-0000 or 0.000.000.0000, write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Polish & Slavic FCU 0 Xxx Xxxxx XxxxxxXxxxxxxxx, XX 00000 Attn: Back Office Operations or e‐mail us at xxxxxxx@xxxxx.xxx as soon as you can, if you think your statement contains an error has occurred in your prepaid card accountor if you need more information about a transfer listed on the statement. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of  Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numbernumber (if any). Why  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information.  Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days10 Business Days. We will determine whether an error occurred within ten (10) business days 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 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 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. In Case of Errors or Questions About Your Prepaid Card Account, telephone Telephone us at 0-(000) 000-000-0000 0000, or write to us at 0000 X. Xxxxxxxxxx XxxxxTHE BANK & TRUST SSB, Xxxx# 000P.O. Box 4010, Xxxxx XxxxxxDel Rio, XX 00000 TX 78841-4010, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on an error has occurred in your prepaid card accountAccount statement or receipt. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history Account statement on which the problem or error appeared. You may request Unless you notify us within such sixty (60) day window, you are prohibited from bringing a written history of your transactions at any time by calling claim against us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxxfor such suspected error. When you write to us, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell usplease include the following: • Your name and Card Account number. Why ; • Description of the error or transaction you are unsure about, and explain as clearly as you can why you believe there it is an error, error or why you need more information; and the • The dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orallyin person or by phone, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred inform you of the results of our investigation within ten (10) business days Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) business days Business Days for the amount you think is in error, so that you will have access to the money use of the funds at issue 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 tenten (10) Business Days, we are not required to 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 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. In Case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us by phone us at 0-000-000-0000 or write email us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 xxxx@xxxx.xx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 tenten (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 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three 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 we credit your Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

Error Resolution. In Case You agree to examine your receipts and periodic statements using ordinary care and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of Errors 60 days from when the statement containing the error or Questions About Your Prepaid Card Accountproblem was first mailed or made available to you. If you do not report within 60 days, telephone we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that if you fail to report to us at 0-000-000-0000 within 10 days from when the statement was first mailed or made available to you that we will not be required to pay interest on any refund to which you may be entitled. We will only recredit your account for errors or problems as required by law. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in immediately with errors or questions about your electronic history, transfers at the telephone number or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placeaddress listed in this disclosure. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 14 business days. We For transactions processed by Visa, we will determine whether an error occurred within ten (10) 5 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 5 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. 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. For transactions not processed by Visa, we will investigate the matter and notify you of the results within a reasonable amount of time. The exact time will depend on the specific circumstances of the error or problem. You may ask you to put for copies of the documents that we used in our investigation. THOMASTON SAVINGS BANK CUSTOMER SERVICE P.O. BOX 907 THOMASTON, CT 06787 Business Days: Monday through Friday Excluding Federal Holidays Phone: 0-000-000-0000 NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your complaint or question in writing and we do not receive it within tenown safety, be careful. The following suggestions may be helpful.

Error Resolution. In Case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us by phone us at 0-000-000-0000 or write email us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 xxxx@xxxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 tenten (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 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three 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 we credit your Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

Error Resolution. In Case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us by phone us at 0-000-000-0000 or write email us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 xxxxxxx@xxxxxxxxx.xx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 tenten (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 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three 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 we credit your Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

Error Resolution. In Case of Errors or Questions About Your Prepaid Payroll Card Account, telephone Account Telephone us at 0-000-000-0000 or write Write us at 0000 X. Xxxxxxxxxx XxxxxP.O. Box 3003, Xxxx# 000Enid, Xxxxx Xxxxxx, XX 00000 OK 73702 or email us using the ‘contact us’ page from XXXxxxxxxxxx.xxx or using the ITS MyMobile App or email us at xxxxxxxxxxxxxxx@xxxxxxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid payroll card account. We must allow you to report an error until sixty (60) 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxP.O. Box 3003, Xxxx# 000Enid, Xxxxx Xxxxxx, XX 00000OK 73702. You will need to tell us: Your name and Card Account [payroll card account] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, ; so that you will have access to 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 ten10 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 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. If you need more information about our error-resolution procedures, call us at 000-000-0000, or visit xxxxxxxxxxxx.xxx.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your use of the Service, telephone us at 0-call (000-) 000-0000 or write us at Bloom Credit Union, Attention: Member Services, 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 X.X., Wyoming, Michigan, 49509, as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the problem or error appeared. You may request a written history of When you contact us, tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why , describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an errorerror or why you need more information, and tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you in writing and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in errorerror within 10 business days, so that you will have access to 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 request in writing and we do not receive it within ten10 business days, we may not credit your account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. You may notify us of errors or questions by telephone, writing, or email using the email icon in our Online Banking site.

Error Resolution. In Case You agree to examine your receipts and periodic statements using ordinary care and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of Errors 60 days from when the statement containing the error or Questions About Your Prepaid Card Accountproblem was first mailed or made available to you. If you do not report within 60 days, telephone we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that if you fail to report to us at 0-000-000-0000 within 14 days from when the statement was first mailed or made available to you that we will not be required to pay dividends or interest on any refund to which you may be entitled. We will only recredit your account for errors or problems as required by law. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in immediately with errors or questions about your electronic history, transfers at the telephone number or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placeaddress listed in this brochure. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 14 business days. We For transactions processed by Visa, we will determine whether an error occurred within ten (10) 5 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 5 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. 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. For transactions not processed by Visa, we will investigate the matter and notify you of the results within a reasonable amount of time. The exact time will depend on the specific circumstances of the error or problem. You may ask for copies of the documents that we used in our investigation. YOUR ABILITY TO WITHDRAW FUNDS This policy statement applies to “transaction” accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be governed by this policy. Our policy is to make funds from your cash and check deposits available to you to put on the first business day after the day we receive your complaint or question deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in writing cash and we do 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. If you make a deposit at an ATM before 5:00 P.M. (C.T.) on Monday through Friday 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 at an ATM after 5:00 P.M. (C.T.) on Monday through Friday or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive it within tenyour deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Error Resolution. In Case You agree to examine your receipts and periodic statements using ordinary care and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of Errors one year from when the statement containing the error or Questions About Your Prepaid Card Accountproblem was first mailed or made available to you. If you do not report within one year, telephone we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that if you fail to report to us at 0-000-000-0000 within 14 days from when the statement was first mailed or made available to you that we will not be required to pay interest on any refund to which you may be entitled. We will only recredit your account for errors or problems as required by law. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in immediately with errors or questions about your electronic history, transfers at the telephone number or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placeaddress listed in this disclosure. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 14 business days. We will determine whether If you provide us with timely notice of an error occurred within 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 forty-five (45) days to investigate or problem in your complaint or question. If we decide to do thisperiodic statement, we will credit your account investigate the matter and notify you of the results within ten (10) business days a reasonable amount of time. The exact time will depend on the specific circumstances of the error or problem. You may ask for copies of the amount you think is documents that we used in error, so that you will have access to the money during the time it takes us to complete our investigation. If we ask you to put THE WASHINGTON TRUST COMPANY ELECTRONIC FUNDS TRANSFER DEPARTMENT 00 XXXXX XXXXXX WESTERLY, RI 02891 Business Days: Monday through Friday Excluding Federal Holidays Phone: 000-000-0000 or 000-000-0000 To Report a Debit Business Card Lost or Stolen During Normal Business Hours: 000-000-0000 or 000-000-0000 After Normal Business Hours: 000-000-0000 NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your complaint or question in writing and we do not receive it within tenown safety, be careful. The following suggestions may be helpful.

Error Resolution. In Case You agree to timely examine your receipts and periodic statements and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of Errors 60 (sixty) days from the date when the statement containing the error or Questions About Your Prepaid Card Accountproblem was first mailed or made available to you. If you do not report within 60 (sixty) days, telephone us at 0-000-000-0000 we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. Telephone or write us us, at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 the phone number or address shown in this Agreement as soon as you can, if you think your receipt or statement is wrong, or if you need more information about a transaction listed on the statement or receipt.  Give us the Cardholder and Company names and the account number.  Describe the error or the transaction you are unsure about and explain why you believe it is an error has occurred in your prepaid card accountor why you need more information. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling  Tell us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when of the error took placesuspected error. If you tell give us orallythis information orally or electronically, we may require that you send us your complaint or question in writing within ten 10 (10ten) business days. If you provide us with timely notice of an error or problem we will investigate the matter and notify you of the results as soon as reasonably possible under the circumstances. You may ask for copies of the documents that we use in our investigation. We will determine whether an error occurred within ten (10not provide provisional credit for the questioned transaction(s) business days after while we hear from you and will correct any error promptlyare investigating it. If you give us timely notice of an unauthorized transaction, we need more timewill attempt to recover the amount of the transaction in accordance with the chargeback procedures and rules of the network through which the transaction was processed, howeverbut we cannot guarantee that the amount of the transaction will be recovered. In most cases we will require verification that a police report of the incident was filed. You may have zero liability for unauthorized use of your Business Debit MasterCard® at merchant locations displaying the MasterCard symbol when it is used for Signature based transactions, PIN-based transactions at Point-of-Sale and ATM. Zero liability is provided if you exercise reasonable care in safeguarding the card from risk of loss or theft and upon becoming aware you promptly report the loss or theft to us. TO FILE A CLAIM THE OFFICIAL DISPUTE FORM MUST BE SIGNED BY THE CARDHOLDER AND OWNER. LOST OR STOLEN CARDS/PINS TELL US AT ONCE if you believe your Card and/or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. If you believe your Card and/or PIN is lost, stolen or used without your permission, you agree to notify us immediately and to promptly confirm such notice in writing. During normal business hours 0-000-000-0000 (After hours 0-000-000-0000) Your liability for unauthorized transactions with the Card and/or PIN may continue until you have notified us in writing of such loss, theft or unauthorized use and we have had a reasonable opportunity to act on such notice, and until all Card transactions which were approved before we had a reasonable time to act on the written notice have posted to your Account. If your Card or PIN is lost, stolen, or used without your permission, we may take up request you to forty-five (45sign an affidavit to assist in bringing criminal or civil proceedings against the person(s) days to investigate your complaint or questionresponsible. If we decide to do this, In most cases we will credit your account within ten (10) business days for require verification that a police report of the amount you think is in error, so that you will have access to 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 tenincident was filed.

Error Resolution. Error Resolution for Consumer Accounts. In Case case of Errors errors or Questions About Your Prepaid Card questions about transfers initiated through Online Banking to or from any consumer Online Account, telephone us contact the Bank immediately. Telephone the Bank at 0-000-XXX-XXXX (000-0000 000-0000), or write us at or email the Bank at: Xxxx Bank Attn: Online Banking Center 0000 X. Xxxxxxxxxx XxxxxXxxxxx Xxxxx Plano, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as Texas 75024 xxxx@XxxxXxxx.xxx If you can, think your statement is wrong or if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement, the Bank must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date Bank sent or otherwise made available to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may If you only request more information about a written history of your transactions at transfer, you must contact the Bank about any time by calling us at 0-000-000-0000 suspected error related to that transfer within sixty (60) days after the Bank sends or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000delivers the requested information to you. You will need to tell usshould give us the following information: Your • Tell us your name and Card Account numberaccount number(s). Why • Describe the suspected error or the transfers or bill payments you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten 10 Business Days (1020 Business Days if the transfer involved a new account) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new account or a foreign-five (45initiated transfer) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account Online Account within ten 10 Business Days (1020 Business Days if the transfer involved a new account) business days for the amount you think is in error, so that you will have access to 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 ten10 Business Days, we may not credit your account. Your account is considered a new account for the first 30 days after the deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 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. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at 0-000-000-0000 000.000.0000 or write us at 0000 X. Xxxxxxxxxx XxxxxCardholder Services, Xxxx# 000P.O. Box 28540, Xxxxx XxxxxxRaleigh, XX 00000 NC 27611 as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier statement date of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of 4Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why 4 Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. 4Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 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 within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. ACH Transactions Automated Clearing House (ACH) entries are debits or credits to your account which are transmitted through the ACH system. All ACH entries are subject to the Operating Rules and Guidelines of the National Automated Clearing House Association (NACHA Rules). As the originator or receiver of an ACH entry, you are bound by the NACHA Rules. ACH entries are a type of electronic funds transfer. As a result, ACH entries to and from your account are also subject to Regulation E, as described in the preceding section “Electronic Funds Transfers.” Notice of Receipt of ACH Items: Under the NACHA Rules, we are not required to give next day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Provisional Payment: Credit given by LGFCU to you with respect to an ACH credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you the amount of such entry. Applicable Law: LGFCU may accept on your behalf payments to your account which have been transmitted through one or more ACH entries and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of North Carolina as provided by the NACHA rules. Federal Wire Transfers Applicable Law: This section applies to wire transfers you send or receive through us, but does not apply to any aspect of a funds transfer if that part of the transfer is governed by Regulation E (which is addressed in the previous section, “Electronic Funds Transfers”). Wire transfers are subject to Article 4A of the North Carolina Uniform Commercial Code and any rules in effect at the time of the transfer governing the use of the system(s) through which funds are transmitted. However, wire or other fund transfers sent outside the United States that are initiated primarily for personal, family or household purposes (called Remittance Transfers) are governed by federal law, and not this section; your rights regarding Remittance Transfers will be disclosed to you in connection with each Remittance Transfer transaction that you make. Wire transfers are also governed by the Wire Transfer Form, which is provided when you make a wire transfer and is available upon request. Inconsistency of Name and Account Number: If you give us a payment order to be wire transferred which identifies the beneficiary (recipient of funds) by name and account number, payment may be made by the beneficiary’s financial institution on the basis of the account number, even if it identifies a person different than the beneficiary. If you give us a payment order which identifies an intermediary or beneficiary’s financial institution by both name and identifying number, a receiving financial institution may rely on the number as the proper identification even if it identifies a different financial institution than the named financial institution. Provisional Credit: Credit given by LGFCU to you with respect to a wire transfer is provisional until we receive final payment. If we do not receive final payment, you are hereby notified and agree that we are entitled to a refund of the amount credited to your account. When Funds are Available for Withdrawal This section describes our policy for when your deposits are available for withdrawal. It applies only to dividend Checking Accounts, CPG Accounts and HSAs. As described in this section, we often make funds from your deposited checks available for your use before we can collect the check. If you have withdrawn the funds, you are still responsible for any problem with the deposit, such as the return of a deposited check. If a check you deposited or cashed is returned to us for any reason, we may charge your account for the amount of the check or you must repay us for the amount of the check plus a fee.

Error Resolution. In Case of Errors or Questions About Your Prepaid Payroll Card Account, telephone Account Telephone us at 0888-000265-000-0000 or write 4057or Write us at 0000 X. Xxxxxxxxxx XxxxxP.O. Box 3003, Xxxx# 000Enid, Xxxxx Xxxxxx, XX 00000 OK 73702 or email us using the ‘contact us’ page from XXXxxxxxxxxx.xxx or using the ITS mymobile App or email us at xxxxxxxxxxxxxxx@xxx-xx.xxx as soon as you can, if you think an error has occurred in your prepaid payroll card account. We must allow you to report an error until sixty (60) 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxP.O. Box 3003, Xxxx# 000Enid, Xxxxx Xxxxxx, XX 00000OK 7370. You will need to tell us: Your name and Card Account [payroll card account] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, ; so that you will have access to 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 ten10 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 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. If you need more information about our error-resolution procedures, call us at 000-000-0000, or visit xxxxxxxxxxxx.xxx.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Account, questions about your electronic transfers telephone us at 0-000-000-0000 or 0000; write us at Xxxxxxx Money, 0000 X. Xxxxxxxxxx XxxxxXxxxx Xxxxxxxx Xxx XX # 0000, Xxxx# 000Xxxxxxx, Xxxxx XxxxxxXX, XX 00000 or email us at xxxxxxx@xxxxxxx.xxxxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Secured Account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your Secured Account. For errors involving new Secured Accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Secured Accounts, we may take up to twenty (20) business days to credit your Secured Account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If we credit your Secured Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred. See also the “Error Resolution Notice” section of your periodic statement.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Electronic Transfers Telephone us at 0-000-000-0000 or 0000000000, write us at 0000 X. Xxxxxxxxxx Xxxxx000 Xxxxxx Xxx. Suite 701, Xxxx# 000Columbia, Xxxxx XxxxxxSC, XX 00000 29205; or email us at xxxxxxx@xxxxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (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 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three 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 we credit your Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxxxxx Paycard / Attn: Customer Service Department / 00000 Xxxxxxx Xxxx / Xxxxx 000 XXX 000 / Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxxxxx Paycard / Attn: Customer Service Department / 00000 Xxxxxxx Xxxx / Xxxxx 000 XXX 000 / Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account prepaid account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 ten

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at 0-000-000-0000 000.000.0000 or write us at 0000 X. Xxxxxxxxxx XxxxxCardholder Services, Xxxx# 000P.O. Box 28540, Xxxxx XxxxxxRaleigh, XX 00000 NC 27611 as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier statement date of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of 4Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why 4 Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. 4Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 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 within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. ACH Transactions Automated Clearing House (ACH) entries are debits or credits to your account which are transmitted through the ACH system. All ACH entries are subject to the Operating Rules and Guidelines of the National Automated Clearing House Association (NACHA Rules). As the originator or receiver of an ACH entry, you are bound by the NACHA Rules. ACH entries are a type of electronic funds transfer. As a result, ACH entries to and from your account are also subject to Regulation E, as described in the preceding section “Electronic Funds Transfers.” Notice of Receipt of ACH Items: Under the NACHA Rules, we are not required to give next day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Provisional Payment: Credit given by LGFCU to you with respect to an ACH credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you the amount of such entry. Applicable Law: LGFCU may accept on your behalf payments to your account which have been transmitted through one or more ACH entries and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of North Carolina as provided by the NACHA rules. Federal Wire Transfers Applicable Law: This section applies to wire transfers you send or receive through us, but does not apply to any aspect of a funds transfer if that part of the transfer is governed by Regulation E (which is addressed in the previous section, “Electronic Funds Transfers”). Wire transfers are subject to Article 4A of the North Carolina Uniform Commercial Code and any rules in effect at the time of the transfer governing the use of the system(s) through which funds are transmitted. However, wire or other fund transfers sent outside the United States that are initiated primarily for personal, family or household purposes (called Remittance Transfers) are governed by federal law, and not this section; your rights regarding Remittance Transfers will be disclosed to you in connection with each Remittance Transfer transaction that you make. Wire transfers are also governed by the Wire Transfer Form, which is provided when you make a wire transfer and is available upon request. Inconsistency of Name and Account Number: If you give us a payment order to be wire transferred which identifies the beneficiary (recipient of funds) by name and account number, payment may be made by the beneficiary’s financial institution on the basis of the account number, even if it identifies a person different than the beneficiary. If you give us a payment order which identifies an intermediary or beneficiary’s financial institution by both name and identifying number, a receiving financial institution may rely on the number as the proper identification even if it identifies a different financial institution than the named financial institution. Provisional Credit: Credit given by LGFCU to you with respect to a wire transfer is provisional until we receive final payment. If we do not receive final payment, you are hereby notified and agree that we are entitled to a refund of the amount credited to your account. When Funds are Available for Withdrawal This section describes our policy for when your deposits are available for withdrawal. It applies only to dividend Checking Accounts, CPG Accounts and HSAs. As described in this section, we often make funds from your deposited checks available for your use before we can collect the check. If you have withdrawn the funds, you are still responsible for any problem with the deposit, such as the return of a deposited check. If a check you deposited or cashed is returned to us for any reason, we may charge your account for the amount of the check or you must repay us for the amount of the check plus a fee.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid questions about your Card Accountor if any statement shows transactions that you did not make, telephone call or write to us at the telephone number and address listed as follows: Call toll free 0-00-000-0000000, 24 hours a day, 7 days a week, or write to: Cardholder Services XX Xxx 0000 Xxxxx Xxxxx, XX 00000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card accountxxx.xxxxxxx-xxxx.xxx. We must allow you to report an error until sixty (60) 60 days after the earlier of the date you electronically access your accountAvailable Balance, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 01-000888- 261-000-0000 7235 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000the address shown above. You will need to tell us:  Your name and Card Account number. ;  Why you believe there is an error, and the dollar amount involved. ;  Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Card within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your Card. 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 Card for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at contact your local Community Bank or call 0-000-000-0000 0000. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, can if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date we have sent you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history When you call or write us: • Tell us your name, account number and, to the best of your transactions at any time by calling us at 0-000-000-0000 knowledge, when the error occurred. • Describe the error or writing us at 0000 X. Xxxxxxxxxx Xxxxxtransaction you are unsure about, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If the alleged error involves a transfer resulting from a point-of-sale debit card, or a transaction initiated outside a state, territory or possession of the United States, we may take up to 90 days (instead of 45) to investigate. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents that we used in our investigation. If you are a new customer and the error or question concerns an electronic transaction that occurred within 30 days after the first deposit to the account was made, we will tell you the results of our investigation within 20 business days after we hear from you. If we need more time, we may take up to 90 days to investigate. In this case, we will credit your account within 20 business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. UNLESS OTHERWISE PROVIDED IN OUR ELECTRONIC BANKING AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS. THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. NOTICE: As part of the security system to help protect your card and PIN, we may use hidden cameras and other security devices at some ATMs to determine who is using a card at an ATM.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card questions about transfers initiated through Online Banking to or from any consumer Online Account, telephone us contact the Bank immediately. Telephone the Bank at 01-000877-000-0000 879- 2325, or write us at or email the Bank at: Xxxx Bank Attn: Online Banking Center 0000 X. Xxxxxxxxxx Xxxxxx Xxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as xxxx@xxxxxxxx.xxx If you can, think your statement is wrong or if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement, the Bank must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date Bank sent or otherwise made available to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may If you only request more information about a written history of your transactions at transfer, you must contact the Bank about any time by calling us at 0-000-000-0000 suspected error related to that transfer within sixty (60) days after the Bank sends or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000delivers the requested information to you. You will need to tell usshould give us the following information: Your • Tell us your name and Card Account numberaccount number(s). Why • Describe the suspected error or the transfers or xxxx payments you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) 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 forty45 days (90 days if the transfer involved a new account or a foreign-five (45initiated transfer) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 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 access to 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 ten10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 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. In Case case of Errors errors or Questions About Your Prepaid Card Account, telephone us at 0-000-000-0000 questions about your Electronic Fund Transfers you may call or write us our Member Services Department at 0000 X. Xxxxxxxxxx XxxxxPO Box 5002, Xxxx# 000Great Falls, Xxxxx Xxxxxx, XX 00000 as soon as MT 59403-5002. If you can, think your statement or receipt is wrong or if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement or receipt, we must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we will require that you send us your complaint or question in writing within ten (10) business days. If we do not receive it within the allotted time, we may not credit your account. Please provide the following.  Tell us your name and account number (for security purposes only last 4 digits of your account number).  Tell us the dollar amount of the suspected error.  Describe the error or the transfer you are unsure about, and explain why you believe it is an error or why you need more information. We will determine whether an error occurred tell you the results of our investigation within ten (10) 10 business days (5 business days for unauthorized POS or 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 forty45 days (90 days for POS, foreign-five (45initiated transfers or a new account) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) 10 business days (5 business days for unauthorized POS or 20 business days for new account) for the amount you think is in error, error so that you will have access to the use of the money during the time it takes us to complete our investigation. If we determine that an error did NOT occur, any provisional credit made to your account will be reversed. We will send you a written explanation within 3 business days after we finish our investigation. You may ask you to put your complaint or question for copies of the documents that we used in writing and we do not receive it within tenour investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Payroll Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 South Jordan UT 84095-1004 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000South Jordan UT 84095-1004. You will need to tell us: Your name and Card Account (prepaid account)] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. (Keep reading to learn more about how to register your card.) For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 000-000-0000 (the telephone number shown above) or visit xxxxxxxxx.xxx. It is important to register your prepaid account as soon as possible. Unless you register your account, we are not required to research or resolve any errors regarding your account. To register your account, go to PO Box 951004, South Jordan UT 00000-0000 or call us at 000-000-0000. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number, government-issued identification number), so that we can verify your identity.

Error Resolution. This section applies only to electronic funds transfers governed by the EFTA and REG E. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your Ebanking transactions, please telephone us at 0-000-000-0000 the number listed in Section 12. If you think your statement is wrong or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement, the Bank must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date it sends or delivers to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request If you requested more information about a written history of problem or error, the Bank must hear from you within sixty (60) days after it sends or delivers that information to you. Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number(s). Why you believe there is an errorTell us the type, time, and date of the transaction and the dollar amount involvedof the suspected error. Approximately when Describe the error took placeor 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. For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, and payee account number for the payment in question. If you tell us the Bank orally, we it may require that you send us in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will then in good faith attempt to correct any error promptly. If we need the Bank needs more time, however, we it may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we in which case, the Bank will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us the Bank to complete our its investigation. If we ask the Bank asks you to put your complaint or question in writing and we do does not receive it within tenten (10) business days, the Bank may not re-credit your account. If the Bank decides that there was no error, it will send you a written explanation within three (3) business days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Account Telephone us at 0-000-000-0000 000.000.0000 or write Write us at 0000 X. Xxxxxxxxxx XxxxxXxxxxxx Xxxxxx, Xxxx# 000Xxxx X, Xxxxx XxxxxxXxxx, XX 00000 or email us at xxxxxxxx_xxxxxxx@xxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 000.000.0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxXxxxxxx Xxxxxx, Xxxx# 000Xxxx X, Xxxxx XxxxxxXxxx, XX 00000. You will need to tell us: Your name and Card Account [card account] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 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 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. If you need more information about our error-resolution procedures, call us at 000.000.0000 or visit xxxxxxx.xxxx.xxx.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Electronic Transfers Telephone us at 0-000-000-+0 000 000 0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx000 X 0xx Xx, Xxxx# 000Xxxxxxxx, Xxxxx Xxxxxx, XX 00000 Xxx Xxxx 00000; or email us at xxxxxxx@xxxx.xxxxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (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 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three 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 we credit your Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

Error Resolution. In Case of Errors If you believe your User ID has become known by an unauthorized person, or Questions About Your Prepaid Card Accountthat an unauthorized transaction has been or may be made from your account, telephone alert the Bank immediately by calling us at 0-(000-000-0000 0000) or write us at 0000 X. Xxxxxxxxxx Xxxxx, at: Iowa State Bank XX Xxx 000 Xxx Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as 00000-0000 If you can, think your statement is wrong or if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement, the Bank must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date it sends or delivers to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request If you requested more information about a written history of problem or error, the Bank must hear from you within sixty (60) days after it sends or delivers that information to you. • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number(s). Why you believe there is an error• Tell us the type, time, and date of the transaction and the dollar amount involvedof the suspected error. Approximately when Describe the error took placeor 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. If you tell us the Bank orally, we it may require that you send us in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and we will then in good faith attempt to correct any error promptly. If we need the Bank needs more time, however, we it may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we in which case, the Bank will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us the Bank to complete our its investigation. If we ask the Bank asks you to put your complaint or question in writing and we do does not receive it within tenten (10) business days, the Bank may not re-credit your account. If the Bank decides that there was no error, it will send you a written explanation within three (3) business days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation. Schedule A NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS WHAT DOES IOWA STATE BANK DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number • Credit history • Account balances • Credit card or other debt • Payment history • Checking account information When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Iowa State Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Iowa State Bank share? Can you limit this sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes - to offer our products and services to you No We don't share For joint marketing with other financial companies Yes No For our affiliates' everyday business purposes - information about your transactions and experiences No We don't share For our affiliates' everyday business No We don't share purposes - information about your creditworthiness For nonaffiliates to market to you No We don't share What we do How does Iowa State Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. How does Iowa State Bank collect my personal information? We collect your personal information, for example, when you • Open an account • Make deposits or withdrawals from your account • Deposit money • Use your credit or debit card • Apply for financing We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can't I limit all sharing? Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes - information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. • Iowa State Bank does not share with our affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies. • Iowa State Bank does not share with nonaffiliates so they can market to you. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies and insurance agents. Other important information For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

Error Resolution. In Case of Errors If you believe your login credentials have become known by an unauthorized person or Questions About Your Prepaid Card Accountthat an unauthorized transaction has been or may be made from your account, telephone alert the Financial Institution immediately by calling us at 0-000-000-0000 or write (312) 57‐3200, e‐mailing us at xxxx_xxxx@xxxxxxxxxxxxx.xxx, writing to us at: 0000 X. Xxxxxxxxxx XxxxxX Xxxxx Xxxxxx Ste. 200, Xxxx# 000Chicago, Xxxxx XxxxxxIL 60610, XX 00000 as soon as or visiting the Financial Institution in person. If you can, think your statement is wrong or if you think an error has occurred in your prepaid card account. We need further information about a transaction listed on the statement, you must allow you to report an error until notify the Financial Institution no later than sixty (60) days after the earlier of the date it sends or delivers to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the error appeared. You may request If you requested more information about a written history problem or error, the Financial Institution must receive notice of the confirmed error within sixty (60) days after it sends or delivers that information to you. The following information should be included in error resolution requests: your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxxname, Xxxx# 000account number(s), Xxxxx Xxxxxxthe type, XX 00000. You will need to tell us: Your name time, and Card Account number. Why you believe there is an errordate of the transaction, and the dollar amount involvedof the suspected error. Approximately when Describe the error took placeor 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. If you tell us notify the Financial Institution orally, we may require that you send us in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you you, and we will then, in good faith, attempt to correct any error promptly. If we need the Financial Institution needs more time, however, we may take up to forty-five forty‐five (45) days to investigate your complaint or question. If we decide to do this, we in which case, the Financial Institution will credit re‐credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us the Financial Institution to complete our its investigation. If we ask the Financial Institution asks you to put your complaint or question in writing and we do does not receive it within ten

Error Resolution. In Case of Errors or Questions About Your Prepaid Payroll Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 South Jordan UT 84095-1004 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000South Jordan UT 84095-1004. You will need to tell us: • Your name and Card Account (prepaid account) number. • Why you believe there is an error, and the dollar amount involved. • Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. (Keep reading to learn more about how to register your card.) For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 000-000-0000. It is important to register your prepaid account as soon as possible. Unless you register your account, we are not required to research or resolve any errors re- xxxxxxx your account. To register your account, go to xxxxxxxxxxxxxxxxxx.xxx or call us at 000-000-0000. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number, government-issued identification number), so that we can verify your identity.

Error Resolution. In Case If you believe that there is an error regarding your account in conjunction with Xxxxxx Xxxxxxx Bank's Online Banking Service or Bill Payment it should be handled as follows: • Call Xxxxxx Xxxxxxx Bank and tell a representative about the problem at one of Errors or Questions About Your Prepaid Card Accountour locations, telephone us at 0-• Send a fax (000) 000-000-0000 0000, Attention: Xxxxxx Xxxxxxx Bank's Online Banking Representative and tell us the details of the problem, or write • Write a letter and mail it to Xxxxxx Xxxxxxx Bank's Online Banking Department, P.O. Box 907, Greeneville, TN 37744 and tell us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card accountthe details of the problem. We must allow hear from you to report an error until no later than sixty (60) days after we send the earlier of the date you electronically access your account, if the error could be viewed in your paper statement or electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placein questions occurred. If you tell notify us orallyverbally, we will require that you send us your complaint or question problem in writing within ten (10) business days. When you write us about your problem, please: • Include your name and account number(s). • Describe the error or transaction in question, and explain why you believe it to be an error. • Tell us the dollar amount of the suspected error. • If the problem involves a bill payment, tell us the checking account number used for payment, the payee’s name, date for which the payment was scheduled, payment amount, and any applicable payee account number or reference number. We will determine whether an error occurred tell you the results of our investigation within ten (10) 10 business days after we hear from you you, and we will correct any error promptlywithin one business day. If we need more time, however, we may take up to forty-five (45) 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 if we do not receive it within ten10 business days, we do not need to re-credit your account while we complete our investigation. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents used in our investigation. If we do not complete a transfer to or from your Bank account on time, or in the correct amount, according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable: • If, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment. • If a legal order directs us to prohibit withdrawals from the account. • If your account is closed or if it has been frozen. • If a hold has been placed on your account for uncollected funds. • If the transfer or payment would cause the account to become overdrawn beyond the balance of account plus any overdraft protection. • If you, or anyone you allow, commits fraud or violates any law or regulation. • If any electronic terminal, telecommunication device or any part of the electronic funds transfer system is not working properly. • If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount of the payee on a bill payment. • If you have not properly followed the instructions for using Xxxxxx Xxxxxxx Bank's Online Banking Bill Payment Service. • If circumstances beyond our control (such as fire, flood, hurricane, improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card AccountIf you suspect a payment has been made in error, telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 the address listed above as soon as you can, if you think an error has occurred in your prepaid card account. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the error appeared. You may request a written history of should also contact the bank where you hold your transactions at any time by calling Designated Account. Tell us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your your name and Card Account number. Why account number , describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and . Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your account. 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. Liability Regarding Payments IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES, INCLUDING FOR DELAY, NON- DELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY PAYMENT OR SERVICE TRANSACTION, BEYOND THE SUM OF $500.00. IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, ARISING FROM YOUR ACCESS TO, OR USE OF, THE CMRE PAYMENT PORTAL. WE WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE PROPERLY TRANSMITTED THROUGH THE CMRE PAYMENT PORTAL AND ACTUALLY RECEIVED BY US, AND DO NOT ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT UNDER OUR CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS. WE ARE NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING OUT OF THE USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY BROWSER OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS CONTROL. WE ARE NOT RESPONSIBLE SHOULD YOU PROVIDE INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROCESSING OF THE PAYMENT YOU REQUESTED. Fees for Use of the CMRE Payment Portal CMRE does not charge you any monthly or payment transaction fees to use the CMRE Payment Portal. You will be responsible for paying any amount you may owe other persons or companies related to the use of the CMRE Payment Portal or any bank, debit card or credit card Account linked to your Account in the CMRE Payment Portal.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card AccountIN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, telephone us toll free at 0-(000-) 000-0000 or write us at 0000 X. Xxxxxxxxxx XxxxxWest Suburban Bank, 000-000 Xxxxx Xxxxxx Xxxx# 000, Xxxxx XxxxxxLombard, XX 00000 Illinois, 60148, Attention: Prepaid Solutions as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the state- ment or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent posted the FIRST written history electronic statement on which the problem or error appeared. You may request a written history of • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate inves- tigate your complaint or question. If we decide to do this, we will credit your account Card Account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your Card 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 Card Account for the amount you think is in 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 expla- nation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case the case of Errors errors or Questions About Your Prepaid Card Accountquestions about any of your electronic transfers, telephone us at 0-000-000-0000 0000, or write us to the Bank at 0000 X. Xxxxxxxxxx XxxxxP.O. Box 669802, Xxxx# Dallas, TX 75266-0955, or for expedited courier service, 3000Xxxxxxx Xx. Xxxxx 000, Xxxxx XxxxxxXxxxxxxxxx, XX 00000 as xx soon as you can, can if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent or made available to you the FIRST written history statement on which the problem or error appeared. You may request a written history of must: • Give your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why ; • Describe the error or transfer you are unsure about and explain as clearly as you can why you believe there it is an error, error or why you need more information; and • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question to us in writing within ten (10) business days10 Business Days. We will determine whether an error occurred within ten (10) business days 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we it may take up to forty-five (45) 45 days to investigate your complaint or question. If we decide need additional time to do thisinvestigate, we will provide a provisional credit to your account within ten (10) business days 10 Business Days for the amount you think is in error, error so that you will have access to 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 the written correspondence within ten10 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 notify you of the results within 3 Business Days after we complete our investigation. If we determine that there was no error, we will send you a written explanation and may reverse any credit provided. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at 0-000-000-0000 call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 the telephone number or address listed below as soon as you can, can if you think an error has occurred in your prepaid card account. We must allow statement or receipt is wrong or if you to report an error until sixty (60) days after need more information about a transfer listed on the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, statement or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placereceipt. If you tell us orally, orally we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred tell you the results of our investigation within ten (10) 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 forty-five 45 days (4590 days if the transfer involved a new account, was a foreign initiated transfer or a POS debit card transfer) days to investigate your complaint or questionquestions. If we decide to do this, we will credit your account within ten (10) 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 access to 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 ten10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless you already have an established account with us before this account is 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 documentation that we used in our investigation. You may notify the Bank in person, by telephone, or in writing for any unauthorized electronic fund transfers on your account. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.

Error Resolution. In Case of Errors If you think your statement or Questions About Your Prepaid Card Accountreceipt is wrong or if you need more information about a transfer listed on the statement or receipt, telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 notify the bank as soon as you can, if you think an error has occurred in your prepaid card accountpossible. We must allow you to report an error until sixty (60) You have no more than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent send the FIRST written history statement on which the problem or error appeared. You may must be able to provide you name, account number, description of error or detailed request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, for more information and the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us notice is given orally, we require that you may be required to send us your complaint or question in writing a written notice within ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will re- credit your account within ten (10) 10 business days for the amount that you think believe is in error, so to allow you the use of that you will have access to the money during the time it takes for us to complete our the investigation. If we ask you to put your complaint complain or question in writing and we do not receive it within ten10 days, we may not re-credit to your account. We will send a written explanation within 3 business days after completing the investigation. You may ask for copies of documents used in our investigation. bankcda Main Branch Contact Information & Business Hours To comment on this agreement or ask questions about the Terms & Conditions laid forth contact bankcda at any branch location. Hayden and Kellogg, ID branch information can be found at xxx.xxxxxxx.xxx Mailing Address bankcda 000 Xxxxxxxxx Xxxx. Xxxxx x’Xxxxx, XX 00000 Business Hours bankcda main branch business days are Monday through Friday 9:00 a.m. - 5:00 p.m. PST. Bank processing does not occur on Saturdays, Sundays or on federal holidays. Phone Information

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your use of the Service, telephone us at 0-call (000-) 000-0000 or write us at My Personal Credit Union, Attention: Member Services, 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 X.X., Wyoming, Michigan, 49509, as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the problem or error appeared. You may request a written history of When you contact us, tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why , describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an errorerror or why you need more information, and tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you in writing and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in errorerror within 10 business days, so that you will have access to 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 request in writing and we do not receive it within ten10 business days, we may not credit your account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. You may notify us of errors or questions by telephone, writing, or email using the email icon in our Online Banking site.

Error Resolution. In Case You agree to examine your receipts and periodic statements using ordinary care and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of Errors one year from when the statement containing the error or Questions About Your Prepaid Card Accountproblem was first mailed or made available to you. If you do not report within one year, telephone we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that if you fail to report to us at 0-000-000-0000 within 14 days from when the statement was first mailed or made available to you that we will not be required to pay interest on any refund to which you may be entitled. We will only recredit your account for errors or problems as required by law. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in immediately with errors or questions about your electronic history, transfers at the telephone number or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placeaddress listed in this brochure. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 14 business days. We For transactions processed by Visa, we will determine whether an error occurred within ten (10) 5 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 5 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. 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. For transactions not processed by Visa, we will investigate the matter and notify you of the results within a reasonable amount of time. The exact time will depend on the specific circumstances of the error or problem. You may ask you to put your complaint or question for copies of the documents that we used in writing and we do not receive it within tenour investigation. XXXXXXX STATE BANK 000 XXX XXXX XXX., XX XXX 00 XXXXXX, XX 00000 Business Days: Monday through Friday Excluding Federal Holidays

Error Resolution. In Case You agree to examine your receipts and periodic statements using ordinary care and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of Errors 60 days from when the statement containing the error or Questions About Your Prepaid Card Accountproblem was first mailed or made available to you. If you do not report within 60 days, telephone we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that if you fail to report to us at 0-000-000-0000 within 30 days from when the statement was first mailed or made available to you that we will not be required to pay interest on any refund to which you maybe entitled. We will only recredit your account for errors or problems as required by law. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in immediately with errors or questions about your electronic history, transfers at the telephone number or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placeaddress listed in this brochure. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) with 14 business days. We will determine whether If you provide us with timely notice of an error occurred within 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 forty-five (45) days to investigate or problem in your complaint or question. If we decide to do thisperiodic statement, we will credit your account within ten investigate the matter and notify you of the results as soon as reasonably possible under the circumstances. You may ask for copies of the documents that we used in our investigation. 1177 N.E. Loop 410 • San Antonio, Texas 78209 (10000) business days 000-0000 or (000) 000-0000 outside San Antonio xxx.xxxxxxxxxxxx.xxx • Member FDIC BROADWAYBANK 1177 N.E. Loop 410 | San Antonio, TX 78209 REV-11-10 210.283.6544 | 800.531.7650 outside San Antonio xxxxxxxxxxxx.xxx | Member FDIC APPLICATION Please Check One: NEW CARD EXISTING CARD TELL US ABOUT YOUR COMPANY (Please Print) Company Name (Please print as it appears on the Business Checking Account) SIGNER ON THE DESIGNATED ACCOUNT(S) IDENTIFIED ABOVE, ACCESS TO FUNDS IN THE DESIGNATED ACCOUNT(S) IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THIS APPLICATION, THE BUSINESS ATM & CHECKCARD AGREEMENT, AND THE APPLICABLE DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE. I UNDERSTAND THAT THE CARDHOLDER MAY BE ABLE TO MAKE PURCHASES, GET CASH ADVANCES, WITHDRAW MONEY FROM ATMS, DETERMINE THE BALANCE IN THE DESIGNATED ACCOUNT(S), AND TRANSFER FUNDS AMONG DESIGNATED ACCOUNT(S). UPON SIGNING THIS APPLICATION, I ASSUME FULL RESPONSIBILITY AND WILL BE LIABLE AND AGREE THAT THE BANK MAY CHARGE THE ACCOUNT(S) FOR THE AMOUNT OF EACH TRANSACTION IN WHICH A BUSINESS CHECKCARD AUTHORIZED SIGNER(S) OF APPLICATION Name Title Business Address ISSUED TO CARDHOLDER IS USED, WHETHER OR NOT I HAVE AUTHORIZED THE USE AND Check entity that applies: Sole Proprietor Corporation* General Partnership* Limited Partnership* Club/Association Professional Corporation* WHETHER OR NOT THERE ARE SUFFICIENT FUNDS IN THE ACCOUNT(S). I UNDERSTAND THAT BY USING THE CHECKCARD OR DELIVERING IT TO THE AUTHORIZED CARDHOLDER FOR USE, I AM ACCEPTING THE TERMS AND CONDITIONS OF IT THE SAME AS IF I HAD SIGNED THAT AGREEMENT. IF I DO NOT ACCEPT THE TERMS AND CONDITIONS OF THE Email Address Signature Public Entity Limited Liability Company* BUSINESS ATM & CHECKCARD AGREEMENT AS DELIVERED TO ME, I SHOULD NOT USE *Please complete the resolution below. Clubs or Associations should include minutes designating authority to issue checkcards. Business Address: City State Zip Code THE CHECKCARD AND RELATED SERVICES, NOR DELIVER THE CHECKCARD TO THE AUTHORIZED CARDHOLDER. ADDITIONAL ACCOUNT OWNER AUTHORIZATION APPLICABLE ONLY WHEN MY BROADWAY ONLINE SERVICES AND VOICE RESPONSE SERVICES ARE AUTHORIZED: WHEN I INDICATE ABOVE THAT THE CARDHOLDER NAMED IN THIS APPLICATION HAS AUTHORIZATION TO USE THE CHECKCARD TO ACCESS MY BROADWAY ONLINE SERVICES AND VOICE RESPONSE SERVICES, I UNDERSTAND AND AGREE THAT THIS CARDHOLDER Name Title Business Address WILL HAVE ACCESS TO ALL OF THE DEPOSIT ACCOUNT(S) AND LOAN ACCOUNT(S) Email Address Website Address Business Tax ID Number Business Telephone Number DESIGNATED ACCOUNTS FOR CHECK CARD ACCESS Designated Checking Account# (For Check Card Access) AUTHORIZED CARD HOLDER First and Last Name of Authorized Cardholder (Please print as it should appear on the card) HELD IN THE NAME OF THE ENTITY IDENTIFIED ABOVE BY THE BANK, NOT JUST THE DESIGNATED ACCOUNT(S) IDENTIFIED IN THIS APPLICATION. AS SUCH, THE AUTHORIZED CARDHOLDER WILL BE ABLE TO PERFORM TRANSACTIONS, (AS SUCH TRANSACTIONS ARE IDENTIFIED IN THE BUSINESS ATM & CHECKCARD AGREEMENT FROM TIME TO TIME), THROUGH MY BROADWAY ONLINE SERVICES AND VOICE RESPONSE SERVICES RELATIVE TO ALL SUCH ACCOUNT(S), AND ALL AUTHORIZATIONS INCLUDED HEREIN WILL EXTEND TO ALL SUCH TRANSACTIONS. RESOLUTION I, , certify that I am Email Address Signature FURTHER RESOLVED, that the Authorized Signer(s) of the Applications are each severally au- thorized to take, or cause to be taken, any and all further action, on behalf of the Company, which shall be required to designate Authorized Cardholders of the Business Card as contem- plated by the Checkcard Documents (or any renewal, extension, amendment, modification, restatement or waiver thereof); FURTHER RESOLVED, that the Company assumes full respon- sibility and will be liable, and agrees that the Bank may charge the Designated Account(s), Loan Account(s), and/or Deposit Account(s), as applicable for the amount you think of each transaction in which a Business Card issued to Company is used and/or in errorwhich My Broadway Online Ser- vices or Voice Response Services are used to initiate the transaction, so whether or not Company has authorized the use and whether or not there are sufficient funds in the Designated Account(s), Loan Account(s), and/or Deposit Account(s) as applicable FURTHER RESOLVED, that you will the fore- Social Security Number Is Authorized Cardholder a signer on the account? Yes No [check one: [check one: Secretary corporation other equivalent officer or limited liability company Partner/General Partner] of the partnership] (the “Company”) going resolutions may be relied upon by the Bank until receipt and written acknowledgment by the Bank of written notice of their amendment or rescission and that such receipt and acknowl- edgment by the Bank shall not affect any action taken by the Bank in reliance on the foregoing Signature of Authorized Cardholder Date organized under the laws of the state of , Federal resolutions prior thereto; and FURTHER RESOLVED, that the [check one: Secretary Employer Identification Number , engaged in other equivalent officer or Partner General Partner] of the Company is authorized Signature of Owner/Authorized Signer of Application Print Name of Owner/Authorized Signer of Application ACCOUNT OWNER AUTHORIZATION BY SIGNING THIS APPLICATION, I WARRANT THAT I AM THE OWNER OF ALL DEPOSIT ACCOUNT(S) AND LOAN ACCOUNT(S) (TOGETHER, THE “ACCOUNT(S)”) HELD IN THE NAME OF THE ENTITY IDENTIFIED ABOVE BY THE BANK, INCLUDING THE DESIGNATED ACCOUNT(S) IDENTIFIED ABOVE, OR THAT I AM AUTHORIZED TO ACT ON BEHALF OF THE OWNER PURSUANT TO RESOLUTIONS ADOPTED BY THE OWNER AND PROVIDED TO THE BANK. I FURTHER WARRANT THAT ALL THE ACCOUNT(S) WERE ESTABLISHED EXCLUSIVELY FOR BUSINESS PURPOSES AND NOT FOR PERSONAL, FAMILY OR HOUSEHOLD PURPOSES, AND THAT I HAVE THE AUTHORITY TO SIGN THIS APPLICATION AND TO ENTER INTO THE BUSINESS ATM & CHECKCARD AGREEMENT. I REQUEST BROADWAY BANK TO ISSUE A BUSINESS ATM & CHECKCARD TO THE CARDHOLDER NAMED IN THIS APPLICATION. I UNDERSTAND THAT I AM GRANTING THE INDIVIDUAL LISTED ON THIS APPLICATION, WHETHER OR NOT SUCH INDIVIDUAL IS NAMED AS A business under the trade name of , and that the resolutions on this document are a correct copy of the resolutions adopted at a meeting of the [check one: Board of Directors Managers Members Partners] of the Company duly and properly called and held on (date). These resolutions appear in the minutes of this meeting and have access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint not been rescinded or question in writing and we do not receive it within tenmodified.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone us at 0-000-000-0000 or 0000, write us at 0000 X. Xxxxxxxxxx XxxxxPO Box 2155, Xxxx# 000Sioux Falls, Xxxxx XxxxxxSD 57101, XX 00000 or email us at Xxxxxxx@XxxXxxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxPO Box 2155, Xxxx# 000Sioux Falls, Xxxxx Xxxxxx, XX 00000SD 57101. You will need to tell us: Your name and Card Account prepaid account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 ten

Error Resolution. In Case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us by phone us at 0-000-000-0000 or write email us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 xxxxxxx.xxxxxxxx@xxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 tenten (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 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three 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 we credit your Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at 01-000888-0008CAPFED (1-0000 888-822- 7333) or write us at 0000 Capitol Federal Savings Bank, 000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx Xxxxxx, Xxxxxx XX 00000 or e-mail us at xxxxxxx@xxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of  Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information.  Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty45 days to investigate your complaint or question. For point-five (45) of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not provisionally credit your account. If you are a new customer, the following special rules will apply during the first 30 days your account is open. We may take up to 20 business days to investigate your complaint or question. If we need more time, however, we may take up to 90 days to investigate your complaint or questions. If we decide to do this, we will provisionally credit your account within 20 business days for the amount you think is in error, so you will have the use of the money during the time it takes us to complete our investigation. 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. In Case case of Errors errors or Questions About Your Prepaid Card Account, questions about your electronic trans- fers telephone us at 1-888-8CAPFED (0-000-000-0000 0000) or write us at 0000 Capitol Federal Savings, 000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx Xxxxxx, Xxxxxx XX 00000 or E-mail us at banking@ xxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card accountstate- ment or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we require may request that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty45 days to investigate your complaint or ques- tion. For point-five (45) of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will provision- ally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ques- tion in writing and we do not receive it within ten10 business days, we may not provisionally credit your account. If you are a new customer, the following special rules will apply during the first 30 days your account is open. We may take up to 20 business days to investigate your complaint or question. If we need more time, however, we may take up to 90 days to investigate your complaint or questions. If we decide to do this, we will provision- ally credit your account within 20 business days for the amount you think is in error, so you will have the use of the money during the time it takes us to complete our investigation. 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. In Case of Errors or Questions About Your Prepaid Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, as Xxxxxxxx Paycard / Attn: Customer Service Department / 00000 Xxxxxxx Xxxx / Xxxxx 000 XXX 000 / Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxxxxx Paycard / Attn: Customer Service Department / 00000 Xxxxxxx Xxxx / Xxxxx 000 XXX 000 / Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account prepaid account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 ten

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your Electronic Funds Transfers, telephone contact us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you cancan at (000) 000-0000 and by mail at AL Advisors Management, Inc., 00 Xxxx Xxxxxx, Xxx Xxxxxxxxx, XX 00000. If you think your Account Information is wrong or if you think need more information about an error has occurred in Electronic Funds Transfer listed on your prepaid card account. We Account Information, we must allow hear from you to report an error until no later than sixty (60) days after we FIRST made the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history Account Information available on which the problem or error appeared. You may request a written history of When you contact us, be prepared to provide the following information: (i) your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why , (ii) a description of the error or the transfer you are unsure about, and an explanation of why you believe there it is an errorerror or why you need more information, and (iii) the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten (10) business days Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) business days Business Days for the amount you think is in error, so that you will have access to 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 tenten (10) Business Days, we may not credit your Account. For errors involving new Accounts opened within thirty (30) days or less, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000South Jordan, Xxxxx Xxxxxx, XX 00000 UT 84095-1004 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000South Jordan, Xxxxx Xxxxxx, XX 00000UT 84095-1004. You will need to tell us: Your name and Card Account [prepaid account] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. (Keep reading to learn more about how to register your card.) For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 000-000-0000 (the telephone number shown above) or visit xxx.xxxxxxxxxxxxxx.xxx. It is important to register your prepaid account as soon as possible. Unless you register your account, we are not required to research or resolve any errors regarding your account. To register your account, go to xxx.xxxxxxxxxxxxxx.xxx or call us at 000-000-0000. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number, government-issued identification number), so that we can verify your identity.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at 0-(000-) 000-0000 (locally) or (000) 000-0000, email us at xxxx@xxxxxx.xxx or write us at 0000 X. Xxxxxxxxxx Xxxxxat: REDSTONE FEDERAL CREDIT UNION Attn: Member Support Services 000 Xxxx Xxxxx Huntsville, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 AL 35893 as soon as you can, can if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell Please provide the following information when you contact us: Your • Tell us your name and Card Account numberaccount number (if any). Why • Describe the error or the transfer you are unsure about, and explain as clear as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may require that you to send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 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 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 access to 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 tenten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there is no error, we will send you a written explanation. You may ask for copies of the 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. In Case case of Errors error or Questions About Your Prepaid Card Accountquestions about your electronic transfers, or if you think your statement or receipt is wrong, or you need more information about a transfer listed on your statement, telephone us the Bank at 0-(000-) 000-0000 or write us the Bank at 0000 X. Pioneer Trust Bank, N.A., PO Box 0000, 000 Xxxxxxxxxx Xx. X.X., Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as possible. The Bank must hear from you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until no later than sixty (60) days after the earlier of the date Bank sent you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history Tell the Bank all of the following:  your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why you believe there is an error, and ;  the dollar amount involved. Approximately when of the suspected error;  describe the error took placeor 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. If you tell us notify the Bank orally, we the Bank may require that you send us your complaint or question in writing to the Bank within ten (10) business days. We The Bank will determine whether an error occurred within ten (10) business days after we hear the Bank hears from you and will correct any error promptly. If we need the Bank needs more time, however, we the Bank may take up to forty-forty five (45) days to investigate your complaint or questionquestion (90 days if the complaint or question involved a new account). If we decide the Bank decides to do this, we the Bank will provisionally credit your account within ten (10) business days for the amount you think is in error, believe to be an error so that you will have access to use of the money during the time it takes us the Bank to complete our the Bank's investigation. If we ask the Bank asks you to put your complaint or question in writing and we do the Bank does not receive it within tenten (10) business days, the Bank may not credit your account. For new accounts, the Bank 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 30 days after the first deposit is made if you are a new customer.) The Bank will tell you the results within three (3) business days after completing the Bank's investigation. If the Bank decides there was no error, the Bank will send a written explanation. You may ask for copies of the documents that the Bank used in the Bank's investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Telephone us at 0-(000) 000-000-0000 0000, or write to us at 0000 X. Xxxxxxxxxx XxxxxTHE BANK & TRUST SSB, Xxxx# 000P.O. Box 4010, Xxxxx XxxxxxDel Rio, XX 00000 TX 78841-4010, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on an error has occurred in your prepaid card accountAccount statement or receipt. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history Account statement on which the problem or error appeared. You may request Unless you notify us within such sixty (60) day window, you are prohibited from bringing a written history of your transactions at any time by calling claim against us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxxfor such suspected error. When you write to us, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell usplease include the following: • Your name and Card Account number. Why ; • Description of the error or transaction you are unsure about, and explain as clearly as you can why you believe there it is an error, error or why you need more information; and the • The dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orallyin person or by phone, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred inform you of the results of our investigation within ten (10) business days Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) business days Business Days for the amount you think is in error, so that you will have access to the money use of the funds at issue 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 tenten (10) Business Days, we are not required to 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 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. In Case of Errors If you believe your login credentials have become known by an unauthorized person or Questions About Your Prepaid Card Accountthat an unauthorized transaction has been or may be made from your account, telephone alert the Financial Institution immediately by calling us at 0-000-000-0000 or write (312) 57‐3200, e‐mailing us at xxxx_xxxx@xxxxxxxxxxxxx.xxx, writing to us at: 0000 X. Xxxxxxxxxx XxxxxX Xxxxx Xxxxxx ste. 204, Xxxx# 000Chicago, Xxxxx XxxxxxIL 60610, XX 00000 as soon as or visiting the Financial Institution in person. If you can, think your statement is wrong or if you think an error has occurred in your prepaid card account. We need further information about a transaction listed on the statement, you must allow you to report an error until notify the Financial Institution no later than sixty (60) days after the earlier of the date it sends or delivers to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the error appeared. You may request If you requested more information about a written history problem or error, the Financial Institution must receive notice of the confirmed error within sixty (60) days after it sends or delivers that information to you. The following information should be included in error resolution requests: your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxxname, Xxxx# 000account number(s), Xxxxx Xxxxxxthe type, XX 00000. You will need to tell us: Your name time, and Card Account number. Why you believe there is an errordate of the transaction, and the dollar amount involvedof the suspected error. Approximately when Describe the error took placeor 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. If you tell us notify the Financial Institution orally, we may require that you send us in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you you, and we will then, in good faith, attempt to correct any error promptly. If we need the Financial Institution needs more time, however, we may take up to forty-five forty‐five (45) days to investigate your complaint or question. If we decide to do this, we in which case, the Financial Institution will credit re‐credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us the Financial Institution to complete our its investigation. If we ask the Financial Institution asks you to put your complaint or question in writing and we do does not receive it within ten

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 South Jordan UT 84095-1004 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000South Jordan UT 84095-1004. You will need to tell us: • Your name and Card Account [prepaid account] number. • Why you believe there is an error, and the dollar amount involved. • Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. (Keep reading to learn more about how to register your card.) For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 000-000-0000 (the telephone number shown above) or visit xxx.xxxxxxxx.xxx. It is important to register your prepaid account as soon as possible. Unless you register your account, we are not required to research or resolve any errors regarding your account. To register your account, go to PO Box 951004, South Jordan UT 00000-0000 or call us at 000-000-0000. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number, government-issued identification number), so that we can verify your identity.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at contact your local Community Bank or call 0-000-000-0000 0000. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, can if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date we have sent you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history When you call or write us: • Tell us your name, account number and, to the best of your transactions at any time by calling us at 0-000-000-0000 knowledge, when the error occurred. • Describe the error or writing us at 0000 X. Xxxxxxxxxx Xxxxxtransaction you are unsure about, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If the alleged error involves a transfer resulting from a point-of-sale transaction, or a transaction initiated outside a state, territory or possession of the United States, we may take up to 90 days (instead of 45) to investigate. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not provisionally credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents that we used in our investigation. If you are a new customer and the error or question concerns an electronic transaction that occurred within 30 days after the first deposit to the account was made, we will tell you the results of our investigation within 20 business days after we hear from you. If we need more time, we may take up to 90 days to investigate. In this case, we will credit your account within 20 business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. UNLESS OTHERWISE PROVIDED IN OUR ELECTRONIC BANKING AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS. THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. NOTICE: As part of the security system to help protect your card and PIN, we may use hidden cameras and other security devices at some ATMs to determine who is using a card at an ATM.

Error Resolution. In Case case of Errors error or Questions About Your Prepaid Card Accountquestions about your electronic deposit transactions or loan transactions, telephone us call First State Bank immediately at 0-000-000-0000 Ext 231 or write to: First State Bank 000 0xx Xxxxxx PO Box 70 Xxxxxxx City IA 50595 If you think your statement is wrong or if you need more information about an Electronic transaction listed on the statement, contact us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as possible. We must hear from you canno later than 60 days after we sent the FIRST statement on which the problem or error appeared, if and you think must:  Tell us your name and account number  Describe the electronic transaction you are unsure about, and explain why you believe an error has occurred in your prepaid card account. We must allow or why you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling need more information; ● Tell us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We may require you to provide your complaint in the form of any affidavit. We will determine whether an error occurred within ten (10) tell you the results of our investigation with 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally re-credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to the use of your 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 ten10 days, we may not provisionally re-credit your account. If you are a new customer, for electronic funds transfer occurring during the first 30 days after the first deposit is made to your account, the applicable time periods for action by us are up to 20 business days instead of 10) and 90 calendar days (instead of 45). If we determine that there is no error, we will send you an explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your use of the Service, telephone us at 0-call (000-) 000-0000 or write us at Bloom Credit Union, Attention: Member Services, 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 X.X., Wyoming, Michigan, 49509, as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the problem or error appeared. You may request a written history of When you contact us, tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why , describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an errorerror or why you need more information, and tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you in writing and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in errorerror within 10 business days, so that you will have access to 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 request in writing and we do not receive it within ten10 business days, we may not credit your account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. You may notify us of errors or questions by telephone, writing, or email using the email icon provided in our Online Banking site.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone us at 0-000-000-0000 000.000.0000 or write us at 0000 X. Xxxxxxxxxx XxxxxCardholder Services, Xxxx# 000P.O. Box 28540, Xxxxx XxxxxxRaleigh, XX 00000 NC 27611 as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier statement date of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of Ø Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why Ø Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. Ø Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 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 within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. ACH Transactions Automated Clearing House (ACH) entries are debits or credits to your account which are transmitted through the ACH system. All ACH entries are subject to the Operating Rules and Guidelines of the National Automated Clearing House Association (NACHA Rules). As the originator or receiver of an ACH entry, you are bound by the NACHA Rules. ACH entries are a type of electronic fund transfer. As a result, ACH entries to and from your account are also subject to Regulation E, as described in the preceding section “Electronic Fund Transfers.” Notice of Receipt of ACH Items: Under the NACHA Rules, we are not required to give next day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Provisional Payment: Credit given by LGFCU to you with respect to an ACH credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you the amount of such entry. Applicable Law: LGFCU may accept on your behalf payments to your account which have been transmitted through one or more ACH entries and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of North Carolina as provided by the NACHA rules. Federal Wire Transfers Applicable Law: This section applies to wire transfers you send or receive through us, but does not apply to any aspect of a funds transfer if that part of the transfer is governed by Regulation E (which is addressed in the previous section, “Electronic Fund Transfers”). Wire transfers are subject to Article 4A of the North Carolina Uniform Commercial Code and any rules in effect at the time of the transfer governing the use of the system(s) through which funds are transmitted. However, wire or other fund transfers sent outside the United States that are initiated primarily for personal, family or household purposes (called Remittance Transfers) are governed by federal law, and not this section; your rights regarding Remittance Transfers will be disclosed to you in connection with each Remittance Transfer transaction that you make. Wire transfers are also governed by the Wire Transfer Form, which is provided when you make a wire transfer and is available upon request.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 PO Box 951004 / South Jordan UT 84095-1004 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000PO Box 951004 / South Jordan UT 84095-1004. You will need to tell us: Your name and Card Account [prepaid account] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. (Keep reading to learn more about how to register your card.) For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 000-000-0000 (the telephone number shown above) or visit xxx.xxxxxxxxxxxx.xxx. It is important to register your prepaid account as soon as possible. Unless you register your account, we are not required to research or resolve any errors regarding your account. To register your account, go to PO Box 951004 / South Jordan UT 00000-0000 or call us at 000-000-0000. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number, government-issued identification number), so that we can verify your identity.

Error Resolution. In Case You agree to examine your receipts and periodic statements using ordinary care and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of Errors one year from when the statement containing the error or Questions About Your Prepaid Card Accountproblem was first mailed or made available to you. If you do not report within one year, telephone we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that if you fail to report to us at 0-000-000-0000 within 14 days from when the statement was first mailed or made available to you that we will not be required to pay interest on any refund to which you may be entitled. We will only recredit your account for errors or problems as required by law. Call or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in immediately with errors or questions about your electronic history, transfers at the telephone number or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took placeaddress listed in this disclosure. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 14 business days. We will determine whether If you provide us with timely notice of an error occurred within 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 forty-five (45) days to investigate or problem in your complaint or question. If we decide to do thisperiodic statement, we will credit your account investigate the matter and notify you of the results within ten (10) business days a reasonable amount of time. The exact time will depend on the specific circumstances of the error or problem. You may ask for copies of the amount you think is documents that we used in error, so that you will have access to the money during the time it takes us to complete our investigation. If we ask you to put HERITAGE BANK DEPOSIT OPERATIONS 00000 XXXXX XXXXXXX XXXXXX, KY 41094 Business Days: Monday through Friday Excluding Federal Holidays Phone: 000-000-0000 NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your complaint or question in writing and we do not receive it within tenown safety, be careful. The following suggestions may be helpful.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Electronic Transfers contact us by phone at 0-(000-) 000-0000 or write us at Lake Ridge Bank, Attn: Electronic Services, 0000 X. Xxxxxxxxxx XxxxxXxxxxx Xxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 , as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent you the FIRST written history statement on which the problem or error appeared. You may request a written history of • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten (10) business days 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 error promptly. If we need more time, however, we may take up to forty-five (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 Account within ten (10) business days 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 access to 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 tenten (10) Business Days, we may not credit your Account. An Account is considered a new account for 30 days after the first deposit is made if you are a new customer. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card AccountElectronic Transfers, telephone us at 0-000-000-0000 or us, write us at 0000 X. Xxxxxxxxxx Xxxxxor E-mail us at the number or location provided in Article X, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 Section E as soon as you can, can if you think an error has occurred in that your prepaid card account. We statement is wrong or you need more information about a transaction listed on your statement or appearing on the account activity screen of your PC, we must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appearedappeared or you received notification of the problem or error on your PC. You may request a written history of must: • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card the Account number. Why • Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten (10) business Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account after we hear from you and will correct any error promptly. If we need require more time, however, we may take up to forty-five (45) days, (ninety (90) days) for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account to investigate your complaint or question. If we decide to do thisthis additional time is necessary, and your written notification has been received by us, we will credit your account within ten (10) business Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) for the amount you think is in error, so that you will have access to 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 tenten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account), we will not credit your account and we will still have up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) for our investigation. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Accountyour Electronic Transfers, telephone Call or Write us at 0-000-000-0000 the telephone number or write us at 0000 X. Xxxxxxxxxx Xxxxxaddress listed in the Your Liability section of this Agreement, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card accountstatement is wrong or if you need more information about a transfer listed on the statement. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must: • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account account number. Why • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (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 forty-five (45) days (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 within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. Your account is considered a new account for the first thirty (30) days after the first deposit. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions, telephone call Customer Service, write to Customer Service, or call us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, can if you think an error has occurred in your prepaid card accountAccount statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent or made available the FIRST written history statement on which the problem or error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell Tell us: • Your name and Card Account number. Why • A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days10 Business Days. We will determine whether an error occurred within ten 10 Business Days (1020 Business Days if the transfer involved a new Account) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new Account, a point-five (45of-sale transaction, or a foreign-initiated transfer) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten 10 Business Days (1020 Business Days if the transfer involved a new Account) business days for the amount you think is in error, so that you will have access to 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 ten10 Business Days, we may not credit your Account. Your Account is considered a new Account for the first 30 days after the first deposit is made. We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case of Errors If you believe your User ID has become known by an unauthorized person, or Questions About Your Prepaid Card Accountthat an unauthorized transaction has been or may be made from your account, telephone alert the Bank immediately by calling us at 0-(000-000-0000 0000) or write us at 0000 X. Xxxxxxxxxx Xxxxx, at: Iowa State Bank XX Xxx 000 Xxx Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as 00000-0000 If you can, think your statement is wrong or if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement, the Bank must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date it sends or delivers to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request If you requested more information about a written history of problem or error, the Bank must hear from you within sixty (60) days after it sends or delivers that information to you.  Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number(s). Why you believe there is an error Tell us the type, time, and date of the transaction and the dollar amount involvedof the suspected error. Approximately when Describe the error took placeor 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. If you tell us the Bank orally, we it may require that you send us in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and we will then in good faith attempt to correct any error promptly. If we need the Bank needs more time, however, we it may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we in which case, the Bank will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us the Bank to complete our its investigation. If we ask the Bank asks you to put your complaint or question in writing and we do does not receive it within tenten (10) business days, the Bank may not re-credit your account. If the Bank decides that there was no error, it will send you a written explanation within three (3) business days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation. Schedule A NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS WHAT DOES IOWA STATE BANK DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number • Credit history • Account balances • Credit card or other debt • Payment history • Checking account information When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Iowa State Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Iowa State Bank share? Can you limit this sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes - to offer our products and services to you No We don't share For joint marketing with other financial companies Yes No For our affiliates' everyday business purposes - information about your transactions and experiences No We don't share For our affiliates' everyday business No We don't share purposes - information about your creditworthiness For nonaffiliates to market to you No We don't share What we do How does Iowa State Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. How does Iowa State Bank collect my personal information? We collect your personal information, for example, when you • Open an account • Make deposits or withdrawals from your account • Deposit money • Use your credit or debit card • Apply for financing We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can't I limit all sharing? Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes - information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. • Iowa State Bank does not share with our affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies. • Iowa State Bank does not share with nonaffiliates so they can market to you. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies and insurance agents. Other important information

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone Account Telephone us at 0-000-000-0000 or write us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 South Jordan UT 84095-1004 as soon as you can, if you think an error has occurred in your prepaid card account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx XxxxxPO Box 951004, Xxxx# 000, Xxxxx Xxxxxx, XX 00000South Jordan UT 84095-1004. You will need to tell us: Your name and Card Account [prepaid account] number. Why you believe there is an error, and the dollar amount involved. Approximately when the error took place. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, (and your account is registered with us), we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to 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 tenten (10) business days, we may not credit your account. (Keep reading to learn more about how to register your card.) For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 000-000-0000 (the telephone number shown above) or visit xxx.xxxxxxx.xxx. It is important to register your prepaid account as soon as possible. Unless you register your account, we are not required to research or resolve any errors regarding your account. To register your account, go to PO Box 951004, South Jordan UT 00000-0000 or call us at 000-000-0000. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number, government-issued identification number), so that we can verify your identity.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us at 0-000-000-0000 or write to us at 0000 Security State Bank, 000 X. Xxxxxxxxxx XxxxxXxxxxxxxxx, Xxxx# 000Fergus Falls, Xxxxx XxxxxxMN 56537. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, XX 00000 call or contact us as soon as you can, if you think an error has occurred in your prepaid card account. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of 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 tenten (10) business days, we may not credit your account. If a notice of error involves an electronic fund transfer, point of sale debit card transaction, or foreign-begun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five (5) business days after you notify us instead of within ten (10) or

Error Resolution. In Case of Errors or Questions About Your Prepaid Card AccountIf you suspect a payment has been made in error, telephone us at 0-(000-) 000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 the address listed above as soon as you can, if you think an error has occurred in your prepaid card account. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the error appeared. You may request a written history of should also contact the bank where you hold your transactions at any time by calling Designated Account. Tell us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your your name and Card Account account number. Why , describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and . Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your account. 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. Liability Regarding Payments IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES, INCLUDING FOR DELAY, NON- DELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY PAYMENT OR SERVICE TRANSACTION, BEYOND THE SUM OF $500.00. IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, ARISING FROM YOUR ACCESS TO, OR USE OF, THE PCB PAYMENT PORTAL. WE WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE PROPERLY TRANSMITTED THROUGH THE PCB PAYMENT PORTAL AND ACTUALLY RECEIVED BY US, AND DO NOT ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT UNDER OUR CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS. WE ARE NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING OUT OF THE USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY BROWSER OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS CONTROL. WE ARE NOT RESPONSIBLE SHOULD YOU PROVIDE INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROCESSING OF THE PAYMENT YOU REQUESTED. Fees for Use of the PCB Payment Portal PCB does not charge you any monthly or payment transaction fees to use the PCB Payment Portal. You will be responsible for paying any amount you may owe other persons or companies related to the use of the PCB Payment Portal or any bank, debit card or credit card Account linked to your Account in the PCB Payment Portal.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card AccountIf you suspect a payment has been made in error, telephone us at 0-(000-) 000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 the address listed above as soon as you can, if you think an error has occurred in your prepaid card account. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the error appeared. You may request a written history of should also contact the bank where you hold your transactions at any time by calling Designated Account. Tell us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your your name and Card Account account number. Why , describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and . Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your account. 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. Liability Regarding Payments IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES, INCLUDING FOR DELAY, NON- DELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY PAYMENT OR SERVICE TRANSACTION, BEYOND THE SUM OF $500.00. IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, ARISING FROM YOUR ACCESS TO, OR USE OF, THE RMP PAYMENT PORTAL. WE WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE PROPERLY TRANSMITTED THROUGH THE RMP PAYMENT PORTAL AND ACTUALLY RECEIVED BY US, AND DO NOT ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT UNDER OUR CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS. WE ARE NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING OUT OF THE USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY BROWSER OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS CONTROL. WE ARE NOT RESPONSIBLE SHOULD YOU PROVIDE INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROCESSING OF THE PAYMENT YOU REQUESTED. Fees for Use of the RMP Payment Portal RMP does not charge you any monthly or payment transaction fees to use the RMP Payment Portal. You will be responsible for paying any amount you may owe other persons or companies related to the use of the RMP Payment Portal or any bank, debit card or credit card Account linked to your Account in the RMP Payment Portal.

Error Resolution. This section applies only to electronic funds transfers governed by the EFTA and REG E. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your Ebanking transactions, please telephone us at 0-000-000-0000 the number listed in Section 12. If you think your statement is wrong or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement, the Bank must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date it sends or delivers to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request If you requested more information about a written history of problem or error, the Bank must hear from you within sixty (60) days after it sends or delivers that information to you. Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number(s). Why you believe there is an errorTell us the type, time, and date of the transaction and the dollar amount involvedof the suspected error. Approximately when Describe the error took placeor 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. For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, and payee account number for the payment in question. If you tell us the Bank orally, we it may require that you send us in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will then in good faith attempt to correct any error promptly. If we need the Bank needs more time, however, we it may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we in which case, the Bank will re-credit your account within ten (101 0) business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us the Bank to complete our its investigation. If we ask the Bank asks you to put your complaint or question in writing and we do does not receive it within tenten (10) business days, the Bank may not re-credit your account. If the Bank decides that there was no error, it will send you a written explanation within three (3) business days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation.

Error Resolution. In Case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us by phone us at 0-(000-) 000-0000 or write email us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 xxxxxxx@xxxxxxx.xxx as soon as you can, if you think an error has occurred in your prepaid card accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of must provide us with the following information: (1) tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account number. Why 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 there it is an error, error or why you need more information; and (3) tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 tenten (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 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three 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 we credit your Account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call us at 0-000-000-0000 or write to us at 0000 Security State Bank, 000 X. Xxxxxxxxxx XxxxxXxxxxxxxxx, Xxxx# 000Fergus Falls, Xxxxx XxxxxxMN 56537. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, XX 00000 call or contact us as soon as you can, if you think an error has occurred in your prepaid card account. We must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 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 forty-forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have access the use of 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 ten (10) business days, we may not credit your account. If a notice of error involves an electronic fund transfer, point of sale debit card transaction, or foreign-begun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five (5) business days after you notify us instead of within ten (10) or twenty (20) business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or account history warrants the delay. Tell us your name and account. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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 your 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 ten10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation of our findings within 3 business days after we finish our investigation. If a notice of error involves a card transaction in a foreign country, the time periods for action will be 20 business days instead of 10 business days, and 90 calendar days instead of 45 calendar days.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card AccountElectronic Transfers, telephone us at 0-000-000-0000 or us, write us at 0000 X. Xxxxxxxxxx Xxxxxor E-mail us at the number or location provided in Article X, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 Section E as soon as you can, can if you think an error has occurred in that your prepaid card account. We statement is wrong or you need more information about a transaction listed on your statement or appearing on the account activity screen of your Access Device, we must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appearedappeared or you received notification of the problem or error on your Access Device. You may request a written history of must:  Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card the Account number. Why  Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe there it is an error or why you need more information.  Tell us the dollar amount of the suspected error.  If the suspected error relates to the Xxxx Payment Service, tell us the account number used to pay the xxxx, payee name, the date the payment was sent, payment amount, ID number, and the dollar amount involvedpayee account number for the payment in question. Approximately when (This information appears on the error took place. Xxxx Payment View Posting Screen.) If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten (10) business Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) after we hear from you and will correct any error promptly. If we need require more time, however, we may take up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) to investigate your complaint or question. If we decide to do thisthis additional time is necessary, and your written notification has been received by us, we will credit your account within ten (10) business Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) for the amount you think is in error, so that you will have access to 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 tenten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account), we will not credit your account and we will still have up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) for our investigation. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case of Errors If you believe your User ID has become known by an unauthorized person, or Questions About Your Prepaid Card Accountthat an unauthorized transaction has been or may be made from your account, telephone alert the Bank immediately by calling us at 0(712-000662-000-0000 4721) or write us at 0000 X. Xxxxxxxxxx Xxxxx, at: Iowa State Bank XX Xxx 000 Xxx Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as 00000-0000 If you can, think your statement is wrong or if you think an error has occurred in your prepaid card account. We need more information about a transaction listed on the statement, the Bank must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date it sends or delivers to you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request If you requested more information about a written history of problem or error, the Bank must hear from you within sixty (60) days after it sends or delivers that information to you. Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number(s). Why you believe there is an errorTell us the type, time, and date of the transaction and the dollar amount involvedof the suspected error. Approximately when Describe the error took placeor 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. If you tell us the Bank orally, we it may require that you send us in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and we will then in good faith attempt to correct any error promptly. If we need the Bank needs more time, however, we it may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we in which case, the Bank will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us the Bank to complete our its investigation. If we ask the Bank asks you to put your complaint or question in writing and we do does not receive it within tenten (10) business days, the Bank may not re-credit your account. If the Bank decides that there was no error, it will send you a written explanation within three (3) business days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation. Schedule A NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS WHAT DOES IOWA STATE BANK DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not Why? all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number • Credit history What? • Account balances • Credit card or other debt • Payment history • Checking account information When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers' personal information to run their everyday business. In the section below, we list How? the reasons financial companies can share their customers' personal information; the reasons Iowa State Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Iowa State Bank share? Can you limit this sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes - to offer our products and services to you No We don't share For joint marketing with other financial companies Yes No For our affiliates' everyday business purposes - information about your transactions and experiences For our affiliates' everyday business purposes - information about your creditworthiness No We don't share No We don't share For nonaffiliates to market to you No We don't share What we do How does Iowa State Bank protect my personal information? How does Iowa State Bank collect my personal information? Why can't I limit all sharing? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. We collect your personal information, for example, when you • Open an account • Make deposits or withdrawals from your account • Deposit money • Use your credit or debit card • Apply for financing We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes - information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you Definitions Affiliates Nonaffiliates Joint Marketing State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Companies related by common ownership or control. They can be financial and non-financial companies. • Iowa State Bank does not share with our affiliates. Companies not related by common ownership or control. They can be financial and non-financial companies. • Iowa State Bank does not share with nonaffiliates so they can market to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies and insurance agents. Other important information For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid questions about your Card Accountor if any Activity Report shows transactions that you did not make, telephone call us as soon as you can at 0.000.000.0000 or fax us at 0-000-000-0000 0.000.000.0000 or write us at 0000 X. Xxxxxxxxxx XxxxxAttn: Customer Service, Xxxx# 000P.O. Box 190245, Xxxxx XxxxxxBirmingham, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card accountAL 35219-9931. We must allow hear from you to report an error until sixty (60) no later than 120 calendar days after the earlier of the date you electronically access suspected error occurred and then was credited or debited to your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000Card. You will need to tell us: • Your name and Card Account number. Why • Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information. • Tell us the dollar amount involved. Approximately of the suspected error and approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days10 Business Days. We will determine whether an error occurred within ten (10) business days 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Card within ten (10) business days 10 Business Days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. We will notify you of any provisional credit to your Card within 2 business days. If we ask you to put your complaint or question in writing and we do not receive it within ten10 Business Days, we may not credit your Card. For errors involving new Cards, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For a new Card where the suspected error occurred within 30 days after the first deposit to the Card was made, we may take up to 20 Business Days to credit your Card for the amount you think is in error. We will tell you the results within 3 Business Days after completing our investigation. If we determine that there was no error, we will send you a written explanation and may debit the provisionally credited amount. You may ask for copies of documents that we used in our investigation. If you need more information about our error resolution procedures, call us at 0.000.000.0000.

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid Card Accountquestions about your electronic transfers, telephone call or write to us at 0-000-000-0000 the telephone number or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as address listed in this disclosure immediately. Your account will be considered a new account if it has been open less than 30 calendar days. If you can, think your statement or receipt is wrong or if you think an error has occurred in your prepaid card account. We need more information about a transfer listed on the statement or receipt, we must allow hear from you to report an error until sixty (60) no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of » Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card Account numberaccount number (if any). Why » Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and the dollar amount involvederror or why you need more information. Approximately when the error took place. » If you tell us orallyverbally, we may require that you send us your complaint or complaint/question in writing within ten (10) 10 business days. We will determine whether an error occurred tell you the results of our investigation within ten (10) 10 business days (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 forty-five (45) 45 days to investigate your complaint or questionquestion (90 days for new accounts). If we decide to do this, we will credit your account within ten (10) 10 business days (20 business days for new accounts, 5 business days for Visa Debit Card transactions), for the amount you think is in error, so that you will have access to the money use of the funds 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 ten10 business days, a credit may not be issued to your account. If we decide that there was an error, we will send you a written explanation within three days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. CEDAR POINT FEDERAL CREDIT UNION CARD SERVICES DEPARTMENT 00000 Xxxxx Xxxx Xxxxxxxxx Xxxx, XX 00000 Phone: (301) 863-7071 ext. 5402. Email: xxxxx@xxxxx.xxx Policy updated September 11, 2019. Availability of Funds‌

Error Resolution. In Case case of Errors errors or Questions About Your Prepaid questions about your Card Accountor if any statement shows transactions that you did not make, telephone call or write to us at the telephone number and address listed as follows: Call toll free 0-00-000-0000000, 24 hours a day, 7 days a week, or write to: Cardholder Services XX Xxx 0000 Xxxxx Xxxxx, XX 00000-0000 or write us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, if you think an error has occurred in your prepaid card accountxxx.xxxxxxx-xxxx.xxx. We must allow you to report an error until sixty (60) 60 days after the earlier of the date you electronically access your accountAvailable Balance, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 01-000-888- 000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000the address shown above. You will need to tell us: • Your name and Card Account number. ; • Why you believe there is an error, and the dollar amount involved. ; • Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Card within ten (10) 10 business days for the amount you think is in error, so that you will have access to 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 ten10 business days, we may not credit your Card. 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 Card for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card Account, telephone us at 0-000-000-0000 Call or write to us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 as soon as you can, possible if you think an error has occurred in your prepaid card accountstatement, account or transaction information is wrong or if you need more information about a transaction listed on your statement or shown through Primebank’s Internet Banking Service. We must allow hear from you to report an error until no later than sixty (60) days after we send the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the problem or error appeared. You The telephone number and address you may request a written history of your transactions at any time use are as follows: Phone Customer Service by calling us at 0-000-000dialing (000)000-0000 in Le Mars, (000)000-0000 in Sioux Center or writing in Sioux City, call our office on Sunnybrook Drive at 712)224-5400 or our office on Xxxxxxxx Boulevard at (000)000-0000 between 8:00 A.M. and 4:30 P.M. CST Monday through Friday. Write to: Primebank Error Resolution P.O. Box 1408 Le Mars, Iowa 51031  Tell us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your your name and Card Account account number. Why  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error, and error or why you need more information.  Tell us the dollar amount involved. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days (twenty (20) days if you initiated the transaction from outside the United States) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days if you initiated the transaction from outside the United States) to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days (twenty (20) days if you initiated the transaction from outside the United States) for the amount you think is in error, so that you will have access to the use of your 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 tenten (10) business days, we may not provisionally credit your account. If we determine that there is no error, we will send you an explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. In Case of Errors or Questions About Your Prepaid Card AccountElectronic Transfers, telephone us at 0-000-000-0000 or us, write us at 0000 X. Xxxxxxxxxx Xxxxxor E-mail us at the number or location provided in Article X, Xxxx# 000, Xxxxx Xxxxxx, XX 00000 Section E as soon as you can, can if you think an error has occurred in that your prepaid card account. We statement is wrong or you need more information about a transaction listed on your statement or appearing on the account activity screen of your Access Device, we must allow hear from you to report an error until no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appearedappeared or you received notification of the problem or error on your Access Device. You may request a written history of must: • Tell us your transactions at any time by calling us at 0-000-000-0000 or writing us at 0000 X. Xxxxxxxxxx Xxxxx, Xxxx# 000, Xxxxx Xxxxxx, XX 00000. You will need to tell us: Your name and Card the Account number. Why • Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe there it is an error or why you need more information. • Tell us the dollar amount of the suspected error. • If the suspected error relates to the Bill Payment Service, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, ID number, and the dollar amount involvedpayee account number for the payment in question. Approximately when (This information appears on the error took place. Bill Payment View Posting Screen.) If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten (10) business Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) after we hear from you and will correct any error promptly. If we need require more time, however, we may take up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) to investigate your complaint or question. If we decide to do thisthis additional time is necessary, and your written notification has been received by us, we will credit your account within ten (10) business Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) for the amount you think is in error, so that you will have access to 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 tenten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account), we will not credit your account and we will still have up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) for our investigation. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.