Common use of Error Resolution Clause in Contracts

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you on your periodic statement or in your electronic 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 transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or 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 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 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results 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. If In case of errors or questions about your electronic transfers on the Card, call us at 000-000-0000 for your Temporary Card or 000-000-0000 for your Personalized Card, or write us at: Our Mail Address P.O. Box 551667 Jacksonville, FL 32255, Attn: Error Resolution Department, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the your statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions and reloads at any time by calling us at 000-000-0000 for your Temporary Card or 000-000-0000 for your Personalized Card or writing us at Our Mail Address P.O. Box 551667 Jacksonville, FL 32255. Whether calling or writing you believe to be in error or which you believe is a problem. Include the following information: must: (a) tell us your name and your HSA Deposit Account Card number; ; (b) tell us the date on which the transaction occurred; (c) describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and and (cd) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within ten (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 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 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 ten (10) 10 business days, we may not credit your accountthe Card. For errors involving a new accountsCard (open less than 30 days), point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For a new accountsCard, we may take up to 20 business days to credit your account the Card 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 issued a provisional credit to you and there was no error, the amount of that provisional credit will be subtracted from your Card. We will give you advance notice of the amount and date of the debit against your Card for that credit. If you need more information about our error-resolution procedures, call us at the telephone number shown above.

Error Resolution. If In Case of Errors or Questions About Your Prepaid Card Account, telephone us at 000-000-0000, write us at PO Box 2155, Sioux Falls, SD 57101, or email us at Xxxxxxx@XxxXxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think an error has occurred in your statement or receipt is wrong, or if prepaid card account. We must allow you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should to report errors no later than an error until sixty (60) days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 000-000-0000 or writing us at PO Box 2155, Sioux Falls, SD 57101. You will need to tell us: Your name and prepaid account number. Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 the use of 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 (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.ten

Error Resolution. If In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. 1. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any) 2. Describe the error or of the transaction 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 (c) . 3. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or questions in writing within ten (10) 10 business daysdays following the date you notified us. We will determine whether an error occurred within ten (10) 10 business days (5 business for ATM/Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days (5 business days for ATM/Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error 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 writing, and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving Your account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Denver Savings Bank 000 X. Xxxxx Xx., XX Xxx 000 Xxxxxx, XX 00000 Telephone: (000) 000-0000 Fax: (000) 000-0000 Business Days: Monday through Friday (excluding federal holidays)

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy You understand the importance of a transaction receipt from a Merchant, if you think your role in preventing misuse of your account. You agree to promptly examine your statement and notify us immediately of any errors on your account. You may contact us during operating hours at: 1-800-772-GECU (4328) nationwide or receipt is wrong(000)000-0000 in the El Paso area; or write: GECU, or if Attn: Call Center, X.X. Xxx 00000, Xx Xxxx, XX 00000-0000. We must hear from you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we send the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared: 1. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any). 2. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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 Online Banking transactions, please call the Member Service telephone number at 0-000-000-0000 (toll free). (The following applies to Consumer Accounts only.) If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receiptstatement, the Credit Union must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available it sends or delivers to you the FIRST statement on your periodic statement which the problem or in your electronic statement error appeared. If you requested more information concerning about a problem or error, the transaction Credit Union must hear from you within 60 days after it sends or delivers that you believe information to be in error or which you believe is a problemyou. Include the following information: (a) • Tell us your name and your HSA Deposit Account number; (b) describe account number(s). • Describe the suspected error or the transaction nature of the problem, or describe what information 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 (c) need. • Tell us the dollar amount of the suspected error. If you tell us the Credit Union orally, we may require that you send us in your complaint or questions question in writing within ten (10) 10 business days. We The Credit Union will determine whether an error occurred tell you the results of its investigation within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need the Credit Union needs more time, however, we it may take up to 45 days to investigate your complaint or question. If we decide to do this, we in which case, the Credit Union will re-credit your account within ten (10) 10 business days for the amount you think is in error error, so that you will have the use of the money during the time it takes us the Credit Union to complete our its investigation. If we ask the Credit Union asks you to put your complaint or question in writing and we do does not receive it within ten (10) 10 business days, we the Credit Union may not re-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 If 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 Credit Union decides that there was no error, we it will send you a written explanationexplanation within 3 business days after it finishes its investigation. You may ask for copies of the documents that we the Credit Union used in our its investigation. To terminate the Online Banking service, please send written authorization at the address shown above or visit a Financial Resources Federal Credit Union branch.

Error Resolution. If you believe that you did not authorize an In case of errors or questions about your electronic fund transactiontransfers, if you need call us at (000) 000-0000, send us a copy of a transaction receipt from a Merchantsecure message through our online banking platform, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write us at 0000 Xxxxxx Xxxx, Xxxxx, XX 00000 as soon as you can. Unauthorized transactions are considered errors for the phone number or address shown at purposes of the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors following procedures. We must hear from you no later than sixty (60) calendar days after information is available to we sent the FIRST statement on which the problem or error appeared. If you on your periodic statement or in your electronic statement information concerning the transaction tell us orally, we may require that you believe send us your complaint or question in writing within ten (10) Business Days. When you bring an error to be in error or which you believe is a problem. Include the following informationour attention: (a) tell us your name and your HSA Deposit Account account number; (b) describe the error or the transaction 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 (c) tell us the dollar amount of the suspected error. If you tell us orally, we We may require that you send us your complaint or questions in writing within ten (10) business daysto 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 45 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 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 ten (10) business daysBusiness Days, we may not credit your account. For errors involving new accounts, point-of-salesale transactions, or foreign-initiated transactions, we may take up to 90 ninety (90) calendar days to investigate your complaint or question. For new accounts, we may take up to 20 business days 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 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. 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 60 days from when the statement containing the error or problem was first mailed or made available to you. If you believe do not report within 60 days, we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt fail to report to us within 14 days from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on when the statement was first mailed or receipt, made available to you should call 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 immediately with errors or questions about your electronic transfers at the phone telephone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you on your periodic statement or listed in your electronic 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 transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected errorthis disclosure. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) 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. 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 As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy In the event of a transaction receipt from dispute regarding the Service, You and Civic agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between You and Civic which supersedes any proposal or prior agreement, oral or written, and any other communications between You and Civic relating to the subject matter of this Agreement. In the event of a Merchantconflict between the terms of this Agreement and any verbal representation or interpretation by one of our employees, the terms of this written Agreement shall control. In case of errors or questions about any of Your electronic transactions, or if you You think your Your statement or receipt is wrong, wrong or if you You need more information about a transaction listed on the statement or receipt, you should call or write contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the suspected problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: occurred. (a1) your Tell us Your name and your HSA Deposit Account number; account number (bif any). (2) describe Describe the suspected error or the transaction you You are unsure about about, and explain as clearly as you You can why you You believe it is an error or why you You need more information; and . (c3) Tell us the dollar amount of the suspected error. If you You tell us orally, we may require that you You send us your Your complaint or questions 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 You and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your Your complaint or question. If we decide to do this, we will credit your Your account within ten (10) 10 business days for the amount you You think is in error error, so that you You will have the use of the money during the time it takes us to complete our investigation. If we ask you You to put your Your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Your account. For suspected errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your Your complaint or question. For new accounts, we may take up to 20 business days to credit your Your account for the amount you You think is in error. We will tell you You the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you You a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. If In case of errors or questions about your electronic transfers on the Card, call us at 0-000-000-0000 for your Temporary Card or 000-000-0000 for your Personalized Card, or write us at: Our Mail Address P.O. Box 551667 Jacksonville, FL 32255, Attn: Error Resolution Department, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the your statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions and reloads at any time by calling us at 000-000-0000 for your Temporary Card or 000-000-0000 for your Personalized Card or writing us at Our Mail Address P.O. Box 551667 Xxxxxxx-ville, FL 32255. Whether calling or writing you believe to be in error or which you believe is a problem. Include the following information: must: (a) tell us your name and your HSA Deposit Account Card number; ; (b) tell us the date on which the transaction occurred; (c) describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and and (cd) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within ten (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 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 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 ten (10) 10 business days, we may not credit your accountthe Card. For errors involving a new accountsCard (open less than 30 days), point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For a new accountsCard, we may take up to 20 business days to credit your account the Card 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 issued a provisional credit to you and there was no error, the amount of that provisional credit will be subtracted from your Card. We will give you advance notice of the amount and date of the debit against your Card for that credit. If you need more information about our error-resolution procedures, call us at the telephone number shown above.

Error Resolution. If In case of errors or questions about your electronic transfers, telephone us at 1-888-8CAPFED (1-888-822- 7333) or write us at Capitol Federal Savings Bank, 000 X. Xxxxxx Xxxxxx, Xxxxxx XX 00000 or e-mail us at xxxxxxx@xxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) • Tell us your name and your HSA Deposit Account number; account number (b) describe if any). • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 days to investigate your complaint or question. For point-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 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 ten (10) 10 business days, we may not provisionally credit your account. For errors involving If you are a new accountscustomer, point-of-salethe 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, or foreign-initiated transactionshowever, we may take up to 90 days to investigate your complaint or questionquestions. For new accountsIf we decide to do this, we may take up to will provisionally credit your account within 20 business days to credit your account 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 (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. If In Case of Errors or Questions About Your Payroll Card Account Telephone us at 000-000-0000 for assistance or Write us at XX Xxx 000000, Xxxxx Xxxxxx XX 00000-0000 or email us at xxx.xxxxxxxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think an error has occurred in your statement or receipt is wrong, or if payroll card account. We must allow you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should to report errors no later than sixty (60) an error until 60 days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 844-311- 2772 or writing us at XX Xxx 000000, Xxxxx Xxxxxx XX 00000-0000. You will need to tell us: Your name and [payroll card account] number. Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-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. 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. If In case of errors or questions about your electronic transfers: Telephone us at the phone number or write us at the address listed on your periodic statement or receipt as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, wrong or if you need more information about a transaction the transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to we send you the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: (a) appeared. a. Tell us your name and your HSA Deposit Account number; account number (b) describe if any). b. Describe the error or the transaction 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 (c) . c. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error error, so that you will have the use of the money during the time 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 re-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 explanation within three (3) business days after we finish our xxxxxxxxxxxxx.Xxx may ask for copies of the documents document(s) that we used in our investigation.. FUNDS AVAILABILITY

Error Resolution. If you believe that you did not authorize an In case of errors or questions about your electronic fund transactiontransfers, if you need call us at (000) 000-0000, send us a copy of a transaction receipt from a Merchantsecure message through our online banking platform, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write us at 0000 Xxxxxx Xxxx, Xxxxx, XX 00000 as soon as you can. Unauthorized transactions are considered errors for the phone number or address shown at purposes of the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors following procedures. We must hear from you no later than sixty ten (6010) days Business Days after information is available we sent the FIRST statement on which the problem or error appeared or you will be precluded from asserting the error against us. If you tell us orally, we will require you send us your complaint or question in writing within three (3) calendar days. When you bring an error to you on your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following informationour attention: (a) tell us your name and your HSA Deposit Account account number; (b) describe the error or the transaction 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 (c) tell us the dollar amount of the suspected error. If you tell us orally, we We may require that you send us your complaint or questions in writing within ten (10) business daysto 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 45 (60) calendar 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 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-salesale transactions, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 business days 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 Business Days after completing our investigation. We may, in our sole discretion, extend a provisional credit to you for the amount in dispute during 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 for copies of the documents that we used in our investigation.

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you You think your Your statement or receipt is wrong, wrong or if you You need more information about a transaction listed on the Your statement or receipt, you should call or write please contact us at as soon as You can using the phone number or address shown at information in the end Contact section of these Regulatory Disclosures under “UMB Contact Information” this agreement. We must hear from You should report errors no later than sixty (60) 60 days after information is We made available to you on your periodic statement or in your the First electronic statement information concerning on which the problem or error appeared. When calling or notifying us You must: a. Include the account holder name and account number b. Describe 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 transaction you are unsure about question and explain as clearly as you can why you believe it is an error or why you need more information; and (c) possible the discrepancy. c. Indicate the dollar amount of the suspected errortransaction. If you tell us orallyan account holder makes an oral request, we We may require that you the account holder send us your complaint or questions the 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 after we We hear from you You and will correct any error promptly. If we We need more time, however, we We may take up to 45 days to investigate your complaint or questionthe discrepancy. If we We decide to do this, we We will re-credit your the account holder’s account within ten (10) 10 business days for the amount you think is in error of the discrepancy, so that you the account holder will have the use of the money value during the time it takes us to complete our Our investigation. If we ask you the account holder is asked to put your complaint or question the discrepancy in writing and we We do not receive it within ten (10) 10 business days, we We may not re-credit your the 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. If We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we We will send you You a written explanationexplanation within three business days after We finish Our investigation. You may ask for copies of the documents that we used in our the investigation. Eligible refunds are processed upon request and will be completed within 4-6 weeks of a written request. Refund requests must be submitted in writing to: Xxxxxx Card Service Center PO Box 1305 Doylestown, PA 18901-0117 1. Refund To You: a. You may request a refund of your CashLynx account balance when you graduate, withdraw or leave your member University of Xxxxxx University. Proof of withdrawal or dismissal is required. b. Refunds are processed when: i. The accounts balance is $25.00 or more AND ii. A written refund request is submitted c. A refund service fee of $15 will be deducted from the refund. d. No refunds will be issued for balances less than $25.

Error Resolution. In case of errors or questions about your Electronic Fund Transfers you may call 0-000-000-0000 or write us at 1st Liberty FCU, Member Services Department, P.O. Box 5002, Great Falls, MT 59403-5002. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receipt, we must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to we sent the FIRST statement on which the problem or error appeared. If you on your periodic statement or in your electronic statement information concerning the transaction tell us orally, we will require that you believe to be send us your complaint or question in error or which you believe is a problemwriting within ten (10) business days. Include If we do not receive it within the following information: (a) allotted time, we may not credit your account. Please provide the following: 1. Tell us your name and account number (for security purposes only last 4 digits of your HSA Deposit Account account number; (b) describe ). 2. Tell us the dollar amount of the suspected error. 3. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing 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 (5 business days for alleged unauthorized transfers 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 45 days (90 days for point-of-sale, foreign-initiated transfers or a new account) 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 alleged unauthorized transfers or 20 business days for new accounts) for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you determine that an error did NOT occur, any provisional credit made 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. 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 errorwill be reversed. 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 explanationexplanation 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. If In Case of Errors or Questions About Your Electronic Transfers Telephone us at 000-000-0000; write us at Tokenizer, 00000 X 0xx Xx X000 Xxxxx X, Xxxxxxx, XX 00000; or email us at xxxxxxx@xxxxxxxxx.xx or use the chat option on our website: xxx.xxxxxxxxx.xx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include You must provide us with the following information: (a1) tell us your name and your HSA Deposit Account numberaccount number (if any); (b2) describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account 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. If In case of errors or questions about your transactions, call us at (000) 000-0000 or e-mail us at xxxx@xxxxxxxxxx.xxx or visit xxxxx://xxxxxxxxxx.xxx to chat with us. You should contact us as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your account statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, account statement. We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is the account statement in which the problem or error appeared was first available for you to you access on your periodic the SynapsePay System or the account statement or in your electronic statement information concerning the transaction that you believe to shall be in error or which you believe is a problem. Include the following information: (a) deemed correct and final. i. Tell us your name and your HSA Deposit Account number; account number (b) describe if any). ii. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; . iii. Tell us the location, date and (c) the dollar amount of the suspected error. If you tell us orally, we We may require request that you send us your complaint oral complaints or questions request must to be made in writing within ten (10) 10 business daysdays in order to ensure such request may be timely addressed. We SynapsePay will attempt to determine whether an error occurred within ten (10) 10 business days after we hear from you received the written complaint/request 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 may credit your account within ten (10) 10 business days for the amount you think is in error error, so that you will have the use of the money during the time it takes us to complete our its investigation. If we ask you to put have not received your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your accountaccount within such time. 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 question and may take up to 20 business days to credit your account for the amount you think is amount, if any, that was debited in error. We Upon completing our investigation, SynapsePay will tell you the results within three (3) 3 business days after completing our investigationdays. If we decide that there was no error, we will send provide you a written explanation. You may ask explanation and we will attempt to accommodate any request for copies of the documents that we used in obtained to reach our investigationconclusion.

Error Resolution. In case of errors or questions about your electronic transfers, call us at 000-000-0000 or write to us at Granite Falls Bank, XX Xxx 0, Xxxxxxx Xxxxx, XX 00000. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, you should call or write contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors as soon as you can. We must hear from you no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any). Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your account. For errors involving new accountsIf a notice of error involves an electronic fund transfer, point-of-salepoint of sale debit card transaction, or foreign-initiated transactionsbegun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. 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 electronic transfers, call us at 000-000-0000 in Clarkfield or write to us at F&M Bank Minnesota, XX Xxx 000, 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; 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 believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, you should call or write contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors as soon as you can. We must hear from you no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any). Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your account. For errors involving new accountsIf a notice of error involves an electronic fund transfer, point-of-salepoint of sale debit card transaction, or foreign-initiated transactionsbegun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. 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 electronic transfers, call us at 000-000-0000 in Clarkfield or write to us at F&M Bank Minnesota, XX Xxx 000, 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. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, you should call or write contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors as soon as you can. We must hear from you no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any). Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your account. For errors involving new accountsIf a notice of error involves an electronic fund transfer, point-of-salepoint of sale debit card transaction, or foreign-initiated transactionsbegun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. 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. If you believe that you did not authorize an In case of errors or questions about electronic fund transaction, if you need a copy of a transaction receipt transfers from a Merchant, if you think your statement or receipt is wrong, savings and checking accounts or if you need more information about a transaction listed transfer on the statement or receipt, you should call or write telephone us at the phone following number or send us a written notice to the following address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors as soon as you can. We must hear from you no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement or in your electronic statement information concerning which the transaction that you believe to be in error or which you believe is a problemproblem appears. Include the following informationCall us at: (a000) 000-0000 or write to: Extra Credit Union 0000 Xxxxxxx Warren, MI 48092 o Tell us your name and your HSA Deposit Account number; (b) describe account number o Describe the error or the transaction electronic transfer you are unsure about and explain explain, as clearly as you can can, why you believe it is an error or why you need more information; and (c) . o Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 the use of the 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results 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. 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. If you believe In case of errors or questions about your Card or if any statement shows transactions that you did not authorize an electronic fund transactionmake, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write to us at the phone telephone number and address listed as follows: Call toll free 0-000-000-0000, 24 hours a day, 7 days a week, or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should write to: Cardholder Services PO Box 7235 Sioux Falls, SD 57117-7235 or xxx.xxxxxxx-xxxx.xxx. We must allow you to report errors no later than sixty (60) an error until 60 days after information is available to the earlier of the date you on electronically access your periodic statement or Available Balance, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 1-888- 000-0000 or writing us at the address shown above. You will need to tell us:  Your name and Card number;  Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved;  Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not credit your accountCard. For errors involving new accounts, point-of-sale, or foreign-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 Card for the amount you think is in error. We will tell you the results within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. If In case of errors or questions about your electronic transfers, telephone us at 1-888-8CAPFED (1-888-822- 7333) or write us at Capitol Federal Savings, 000 X. Xxxxxx Xxxxxx, Xxxxxx XX 00000 or e-mail us at xxxxxxx@xxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) • Tell us your name and your HSA Deposit Account number; account number (b) describe if any). • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell us orally, we may require request that you send us your complaint or questions 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 45 days to investigate your complaint or question. For point-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 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 ten (10) 10 business days, we may not provisionally credit your account. For errors involving If you are a new accountscustomer, point-of-salethe 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, or foreign-initiated transactionshowever, we may take up to 90 days to investigate your complaint or questionquestions. For new accountsIf we decide to do this, we may take up to will provisionally credit your account within 20 business days to credit your account 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 (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. If you believe that you did not authorize an In case of errors or questions about your electronic fund transactiontransfers, if telephone us at 0-000-000-0000 or write us at Card and ATM Services, PO Box 28540, Raleigh, NC 27611 as soon as you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is the statement on which the problem or error first appeared was made available to you on your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemyou. Include the following information: (a) • Tell us your name and your HSA Deposit Account account number; (b) describe . • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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 explanationexplanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. 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 Electronic Fund Transfers you may call or write our Member Services Department at PO Box 5002, Great Falls, MT 59403-5002. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receipt, we must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to we sent the FIRST statement on which the problem or error appeared. If you on your periodic statement or in your electronic statement information concerning the transaction tell us orally, we will require that you believe to be send us your complaint or question in error or which you believe is a problemwriting within ten (10) business days. Include If we do not receive it within the following information: (a) 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 HSA Deposit Account account number; (b) describe ). • Tell us the dollar amount of the suspected error. • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing 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 (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 45 days (90 days for POS, foreign-initiated transfers or a new account) 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 so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you determine that an error did NOT occur, any provisional credit made 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. 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 errorwill be reversed. 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 explanationexplanation 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. If In case of errors or questions about your electronic transfers, call or write us at the telephone numbers or address listed in this disclosure, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information we sent the FIRST statement on which the problem or error appeared. If the transaction is available to a foreign remittance, we must hear from you on your periodic statement or no later than one hundred eighty (180) days after the transaction appeared in your electronic statement information concerning statement. You must notify us of the transaction that you believe to be in error or which you believe is a problem. Include the following information: (a) your following: a. Your name and your HSA Deposit Account account number; (b) describe the . b. The error or the transaction transfer you are unsure about and explain as clearly as you can possible why you believe it is an error or why you need more information; and (c) the . c. The dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 notification and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days to investigate your complaint or question. If we decide to do thisundertake additional investigation, we will provisionally credit your account within ten (10) business days (twenty (20) business days if your account has been open for thirty (30) days or less) for the amount you think is in error so that error. This provisional credit enables you will to have the use of the money funds during the time it takes us to complete our investigation. If the error concerns an electronic transfer that is (1) a foreign-initiated transaction, (2) point-of-sale debit card transaction or (3) a transaction occurring within the first thirty (30) days after a deposit to a new account, a ninety (90) day investigation period in place of forty-five (45) days will apply. Please note that if we ask you to put your complaint or question in writing and we do not receive it within ten (10) business daysdays after our request, 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. If Telephone us at the Deposit Operations Center at (000)000-0000 from anywhere in the United States or write us at: Essex Savings Bank, Deposit Operations Center, PO Box 950, Essex, CT 06426 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your periodic statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, periodic statement. We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available we sent the FIRST statement on which the problem or error appeared, but if you have chosen to have statements sent to you on your periodic electronically, you will have sixty (60) days after the statement or is both sent to you and made available in your electronic statement information concerning the transaction that you believe Online Banking to be in error or which you believe is a problemnotify us. Include the following informationYou must: (a) ▪ Tell us your name and your HSA Deposit Account number; (bnumber(s) describe ▪ Describe the error or the transaction 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 (c) information ▪ Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) business days10 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 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 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. If Case of Errors or Questions About Your Electronic Transfers Telephone us at (000) 000-0000 or email us at xxxxx@xxxxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors . We must hear fromyou no later than sixty (60) 60 days after information is available to you we sent the FIRSTStatement on your periodic statement which the problem or in your electronic 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 appeared. i. Tell usyour name and your HSA Deposit Account number; (b) describe number(if any). ii. Describe the error or the transaction transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you errororwhyyou need more information; and (c) . iii. Tell us the dollar amount of the suspected error. iv. If you tell us orally, we may require that you send us your usyour complaint or questions question in writing within ten 10 Business Days. (101) business days. We will determine whether an error occurred within ten (10) business days after we hear from Wewill determinewhetheran erroroccurred within10 Business Days afterwe hearfrom you and will correct any error promptly. For new Accounts, we may take up to 20 Business Days tocredit your Account for the amount you thinkis in error. If we need more time, however, we may take maytake up to 45 days daystoinvestigate yourcomplaint orquestion. Forerrors involving a new Account, a point-of-sale transaction, or a foreign- initiated transferwemaytake up to investigate your complaint 90 daystoinvestigateyourcomplaint or question. If we decide to do this, we will credit your account Account within ten (10) business days 10 Business Days for the amount you think is youthinkis in error so that you will have error,sothatyouwill havetheuseofthe money duringthetimeit takesustocompleteour investigation. If the use of the money during the time it takes us to complete our investigationtransferinvolved a new Account and we decide todo this, wewill credityourAccount within 20 Business Days forthe amount youthinkisinerror. If we ask you to put your complaint or question in writing youtoputyour complaintorquestion inwriting and we do not receive it within ten 10 Business Days, wemaynot credityourAccount. During the first 30 days after the first deposit is made yourAccount is considered a new Account, unless you already have an established Accountwith us priortothisAccount being opened. (102) 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 Wewill tell you the results within three (3) business days 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written wedecidethat therewas noerror,wewill sendyou awritten explanation. . (3) You may ask for askfor copies of the documents that we used in our investigation.

Error Resolution. If Telephone us at the Deposit Operations Center at (000)000-0000 from anywhere in the United States or write us at: Essex Savings Bank, Deposit Operations Center, XX Xxx 000, Xxxxx, XX 00000 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your periodic statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, periodic statement. We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available we sent the FIRST statement on which the problem or error appeared, but if you have chosen to have statements sent to you on your periodic electronically, you will have sixty (60) days after the statement or is both sent to you and made available in your electronic statement information concerning the transaction that you believe Online Banking to be in error or which you believe is a problemnotify us. Include the following informationYou must: (a)  Tell us your name and your HSA Deposit Account number; (bnumber(s) describe  Describe the error or the transaction 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 (c) information  Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) business days10 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 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 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. If you believe that you did not authorize an In case of errors or questions about your electronic fund transactiontransfers, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on telephone us at the statement or receipt, you should call phone number(s) or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors set forth above as soon as you can. We must hear from you no later than sixty (60) days after information is available to you we send the first statement on your periodic statement or in your electronic statement information concerning which the transaction that you believe to be in error or which you believe is a problem. Include the following information: (a) problem appears. a. Tell us your name and your HSA Deposit Account number; account number (b) describe if any). b. Describe the error or the transaction 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 (c) . c. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 after we hear from you and will correct any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or questionquestions (ninety (90) calendar days for POS transaction error, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days (five (5) business days for Debit Card purchase transactions) for the amount you think is in error the 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 ten (10) business days, we may not re-credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we decide after our investigation that an error did not occur, we may take up will deliver or mail to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results an explanation of our findings within three (3) business days after completing the conclusion of our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of the documents (to the extent possible without violating our members’ rights to privacy) relied upon to conclude that we used in our investigationthe error did not occur.

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy You understand the importance of a transaction receipt from a Merchant, if you think your role in preventing misuse of your account. You agree to promptly examine your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write and notify us at the phone number or address shown at the end immediately of these Regulatory Disclosures under “UMB Contact Information” You should report any errors no later than sixty (60) days after information is available to you on your periodic statement account. You may contact us during operating hours at: 1-800-772-GECU (4328) nationwide or (000)000-0000 in your electronic statement information concerning the transaction that you believe to be in error El Paso area; or which you believe is a problemwrite: 1. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any). 2. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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. If Case of Errors or Questions About Your Electronic Transfers Telephone us at (000) 000-0000 or email us at xxxxx@xxxxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors . Wemust hearfromyou no later than sixty (60) days after information is available to you 60 daysafter we sent the FIRSTStatement on your periodic statement which the problem or in your electronic 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 appeared. i. Tell usyour name and your HSA Deposit Account number; (b) describe number(if any). ii. Describe the error or the transaction transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you errororwhyyou need more information; and (c) . iii. Tell us the dollar amount of the suspected error. iv. If you tell us orally, we may require that you send us your complaint or questions question in writing within ten 10 Business Days. (101) business days. We will determine whether Wewill determinewhether an error occurred within ten (10) business days after we hear from erroroccurredwithin10 Business Daysafterwe hearfrom you and will correct any error promptly. For new Accounts, we may take up to 20 Business Days tocredit your Account for the amount you thinkis in error. If we need more time, however, ,we may take maytake up to 45 daysto investigate yourcomplaint or question. Forerrors involving a new Account, a point-of-sale transaction, or a foreign- initiated transferwe maytakeup to 90 days to investigate your complaint investigateyourcomplaint or question. If we decide to do this, we will credit your account Account within ten (10) business days 10 Business Days for the amount you think is youthinkis in error so that you will have the use of the money during the time error,sothatyouwill havethe useofthemoney duringthetime it takes us to complete our investigation. If the transferinvolved a new Account and we ask decide to do this, wewill credityourAccount within 20 Business Daysforthe amount youthinkis in error. Ifweask you to put your complaint or question toputyour complaintorquestion in writing and we do not receive it within ten 10 Business Days, wemaynot credityourAccount. During the first 30 days after the first deposit is made yourAccount is considered a new Account, unless you already have an establishedAccountwith us priortothisAccount being opened. (102) 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 Wewill tell you the results within three (3) business days 3 Business Days after completing our investigation. If we decide that there was wedecide thattherewas no error, we will send you a written ,wewill sendyou awritten explanation. . (3) You may ask for askfor copies of the documents that we used in our investigation.

Error Resolution. In case of errors or questions about your electronic transfers, call us at 000-000-0000 or write to us at Security State Bank, 000 X. Xxxxxxxxxx, Fergus Falls, MN 56537. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, you should call or write contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors as soon as you can. We must hear from you no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any). Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your account. For errors involving new accountsIf a notice of error involves an electronic fund transfer, point-of-salepoint of sale debit card transaction, or foreign-initiated transactionsbegun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. 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. If you believe that you did not authorize an electronic fund transactionTelephone us at (000)-000-0000, or write to us at UNITED MISSISSIPPI BANK, 00 Xxxxxxx Xxxxxxxxxx Xxxxxxx, Xxxxxxx, XX 00000 as soon as possible, if you need a copy of a transaction receipt from a Merchant, if you think believe your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the an Account statement or receipt, you should call or write . You must contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available we sent the FIRST Account statement on which the problem or error appeared. Unless you notify us within such sixty (60) day timeframe, you are prohibited from bringing a claim against us for such suspected error. When you write to you on your periodic statement or in your electronic statement information concerning us, please include the transaction that you believe to be in error or which you believe is a problem. Include the following informationfollowing: (a) your • Your name and your HSA Deposit Account number; (b) describe • Description of the error or the transaction you are unsure about about, and explain as clearly as you can possible why you believe it is an error or why you need more information; and (c) the • The dollar amount of the suspected error. If you tell us orallyin person or by phone, we may require that you send us your complaint or questions 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 45 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 error, so that you will have the use of the money 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 ten (10) business daysBusiness Days, we may are not required to credit your accountAccount. 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 Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) business 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. If In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 or write us at Cardholder Services, P.O. Box 28540, Raleigh, NC 27611 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you the statement date of the statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) Ø Tell us your name and your HSA Deposit Account account number; (b) describe . Ø Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . Ø Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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 explanationexplanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. 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.” 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. If In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 or write us at Cardholder Services, P.O. Box 28540, Raleigh, NC 27611 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you the statement date of the statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) 4Tell us your name and your HSA Deposit Account account number; (b) describe . 4 Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . 4Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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 explanationexplanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. 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. 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. 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. 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. If In Case of Errors or Questions About Your Electronic Transfers, Telephone us at 1.866.520.4HSA (4472), or Write us at UMB Bank, n.a. Healthcare Services, P.O. Box 419226, Kansas City, MO 64141 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: appeared. (a1) Tell us your name and your HSA Deposit Account number; account number (bif any). (2) describe Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and . (c3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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. If Call or write us at the telephone number or address listed in this Agreement as soon as you believe that you did not authorize an can regarding errors or questions about your electronic fund transaction, if you need a copy of a transaction receipt from a Merchanttransfers, if you think your statement Statement or receipt is wrong, or if you need more information about a transaction transfer listed on the statement Statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you xxxx we sent the FIRST Statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: (a) appeared. i. Tell us your name and your HSA Deposit Account number; number (b) describe if any). ii. Describe the error or the transaction 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 (c) . iii. Tell us the dollar amount of the suspected error. iv. If For Business Accounts, if you tell us orally, we may require that you send us your complaint or questions question in writing within ten 10 Business Days. Any action that is brought against us, in regard to an alleged discrepancy, must be initiated within 18 months from the date the alleged discrepancy took place. v. For Consumer Accounts, if you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. (101) business days. We will determine whether an error occurred within ten (10) business days after 10 Business Days xxxx we hear from you and will correct any error promptly. For new Accounts, we may take up to 20 Business Days to credit your Account for the amount you think is in error. If we need more time, however, we may take up to 45 days to investigate your complaint or question. For errors involving a new Account, a point-of-sale transaction, or a foreign-initiated transfer we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10) business days 10 Business Days for the amount you think is in error error, so that you will have the use of the money during the time it takes us to complete our investigation. If the transfer involved a new Account and we decide to do this, we will credit your Account within 20 Business Days for the amount you think is in error. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days10 Business Days, we may not credit your accountAccount. For errors involving During the first 30 days xxxx the first deposit is made your Account is considered a new accountsAccount, point-of-sale, or foreign-initiated transactions, we may take up unless you already have an established Account with us prior 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. this Account being opened. (2) We will tell you the results within three (3) business days after 3 Business Days xxxx completing our investigation. If we decide that there was no error, we will send you a written wriGen explanation. . (3) You may ask for copies of the documents that we used in our investigation.

Error Resolution. If In case of errors or questions about your electronic transfers, telephone us at 0-000-000-0000, or write: First Financial Bank Attention: Client Services P.O. Box 18127 Fairfield, Ohio 45018 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the first statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. 1. Include the following information: (a) Tell us your name and Card account number (which is shown on the front of your HSA Deposit Account number; (b) describe Card). 2. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. (Your account is considered a new account for the first 30 days after the first deposit is made unless you already have an established account with us prior to this account being 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. If you believe your User ID has become known by an unauthorized person, or that you did not authorize an electronic fund transactionunauthorized transaction has been or may be made from your account, if you need a copy of a transaction receipt from a Merchantalert the Bank immediately by calling us at (712-662-4721) or write us at: Iowa State Bank XX Xxx 000 Xxx Xxxx, if XX 00000-0000 If you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receiptstatement, the Bank must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available it sends or delivers to you the FIRST statement on your periodic statement which the problem or in your electronic statement error appeared. If you requested more information concerning about a problem or error, the transaction Bank must hear from you within sixty (60) days after it sends or delivers that you believe information to be in error or which you believe is a problemyou. Include the following information: (a) Tell us your name and your HSA Deposit Account number; (b) describe account number(s). Tell us the type, time, and date of the transaction and the dollar amount of the suspected error. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected error. If you tell us the Bank orally, we it may require that you send us in your complaint or questions 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 45 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 error, so that you will have 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 ten (10) business days, we the Bank may not re-credit your account. For errors involving new accountsIf the Bank decides that there was no error, 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 it will send you think is in error. We will tell you the results a written explanation within three (3) business days after completing our it finishes its 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 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 investigationcustomer, 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. If In Case of Errors or Questions About Your Prepaid Card Account Telephone us at 000-000-0000 or write us at Xxxxxxxx Paycard / Attn: Customer Service Department / 00000 Xxxxxxx Xxxx / Xxxxx 000 XXX 000 / Xxxxxx, XX 00000 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think an error has occurred in your statement or receipt is wrong, or if prepaid card account. We must allow you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should to report errors no later than an error until sixty (60) days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 000-000-0000 or writing us at 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 prepaid account number. Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 error, so that you will have the use of 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 (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.ten

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy In the event of a transaction receipt from dispute regarding the Service, you and GE Credit Union agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and GE Credit Union which supersedes any proposal or prior agreement, oral or written, and any other communications between you and GE Credit Union relating to the subject matter of this Agreement. In the event of a Merchantconflict between the terms of this Agreement and any verbal representation or interpretation by one of our employees, the terms of this written Agreement shall control. In case of errors or questions about any of your electronic transactions, or if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receipt, you should call or write contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemerror. Include the following information: (a)  Tell us your name and your HSA Deposit Account number; account number (b) describe if any).  Describe the error or the transaction you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) .  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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 transfers initiated through Online Banking to or from any consumer Online Account, contact the Bank immediately. Telephone the Bank at 1-866-375- 3500, or write or email the Bank at: Attn: Online Banking Center 0000 Xxxxxxx Xxxxxx Xxxxxx, Xxxxx 0 Xxx Xxxxx, XX 00000 xxxx@xxxxxxxx.xxx If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receiptstatement, the Bank must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is the Bank sent or otherwise made available to you the FIRST statement on your periodic statement which the problem or in your electronic statement error appeared. If you only request more information concerning about a transfer, you must contact the transaction Bank about any suspected error related to that you believe transfer within sixty (60) days after the Bank sends or delivers the requested information to be in error or which you believe is a problemyou. Include You should give us the following information: (a) • Tell us your name and your HSA Deposit Account number; (b) describe account number(s). • Describe the suspected error or the transaction transfers or xxxx payments you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 days (90 days if the transfer involved a new account or a foreign-initiated transfer) 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 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 ten (10) 10 business days, we may not credit your account. For errors involving Your account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount first 30 days after the deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results 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. If you believe In case of errors or questions about your Card or if any Activity Report shows transactions that you did not authorize an electronic fund transactionmake, if call us as soon as you need a copy of a transaction receipt from a Merchant, if you think your statement can at 0.000.000.0000 or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call fax us at 0.000.000.0000 or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors Attn: Customer Service, P.O. Box 190245, Birmingham, AL 35219-9931. We must hear from you no later than sixty (60) 120 calendar days after information is available the suspected error occurred and then was credited or debited to you on your periodic statement or in your electronic statement information concerning the transaction that you believe Card. You will need to be in error or which you believe is a problem. Include the following informationtell us: (a) your • Your name and your HSA Deposit Account Card number; (b) describe . • Describe the error or the transaction you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected errorerror and approximately when the error took place. If you tell us orally, we may require that you send us your complaint or questions 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 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 error, so that you will have 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 ten (10) business days10 Business Days, we may not credit your accountCard. For errors involving new accountsCards, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For a new accountsCard 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 Business Days to credit your account Card for the amount you think is in error. We will tell you the results within three (3) business days 3 Business Days after completing our investigation. If we decide determine that there was no error, we will send you a written explanationexplanation and may debit the provisionally credited amount. You may ask for copies of the documents that we used in our investigation. If you need more information about our error resolution procedures, call us at 0.000.000.0000.

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, Call or write to us as soon as possible if you think your statement statement, account or receipt transaction information is wrong, incorrect or if you need more information about a transaction listed on the your statement or receipt, shown through Springfield First Community Bank’s Online Banking Service. We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty ten (6010) days after information is available to we send the first statement on which the problem or error appeared. The telephone and address you on your periodic statement or may use are as follows: Contact Customer Service in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemSpringfield, MO by calling (000) 000-0000 between 8:00 A.M. and 5:00 P.M. CST Monday-Friday. Include the following informationWrite to: (a) Springfield First Community Bank Error Resolution 0000 X. Xxxxxxxxx Xxx. Xxxxxxxxxxx, XX 00000 • Tell us your name and your HSA Deposit Account account number; (b) describe . • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 may provisionally credit your account within ten (10) business days (twenty (20) days if you initiated the transaction outside the United States) for the amount you think is in error error, so that you will have the use of the 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 ten (10) business days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we determine that there is no error, 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 will send you think is in error. We will tell you the results an explanation within three (3) business days after completing we finish 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. If In case of errors or questions about your electronic trans- fers telephone us at 1-888-8CAPFED (0-000-000-0000) or write us at Capitol Federal Savings, 000 X. Xxxxxx Xxxxxx, Xxxxxx XX 00000 or E-mail us at banking@ xxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement state- ment or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) • Tell us your name and your HSA Deposit Account number; account number (b) describe if any). • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell us orally, we may require request that you send us your complaint or questions 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 45 days to investigate your complaint or ques- tion. For point-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 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 ques- tion in writing and we do not receive it within ten (10) 10 business days, we may not provisionally credit your account. For errors involving If you are a new accountscustomer, point-of-salethe 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, or foreign-initiated transactionshowever, we may take up to 90 days to investigate your complaint or questionquestions. For new accountsIf we decide to do this, we may take up to will provision- ally credit your account within 20 business days to credit your account 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 (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. If In Case of Errors or Questions About Your Electronic Transfers Telephone us at 000-000-0000; write us at Tokenizer, 00000 X 0xx Xx X000 Xxxxx X, Xxxxxxx, XX 00000; or email us at xxxxxxx@xxxxxxxxx.xx or use the chat option on our website: www.tokenizer.ccas soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include You must provide us with the following information: (a1) tell us your name and your HSA Deposit Account numberaccount number (if any); (b2) describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account 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. If you believe that you did not authorize an In case of errors or questions about your electronic fund transactiontransfers, if telephone us at 0-000-000-0000 or write us at GKCU, 000 X. Xxxxx Xxxxxx, Xxxxxxx, XX 00000 as soon as you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is the statement on which the problem or error first appeared was made available to you on your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemyou. Include the following information: (a) • Tell us your name and your HSA Deposit Account account number; (b) describe . • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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 explanationexplanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. 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. If In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 or write us at Cardholder Services, X.X. Xxx 00000, Xxxxxxx, XX 00000 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you the statement date of the statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) 4Tell us your name and your HSA Deposit Account account number; (b) describe . 4 Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . 4Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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 explanationexplanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. 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. 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. 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. If you believe In case of errors or questions about your Card or if any statement shows transactions that you did not authorize an electronic fund transactionmake, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write to us at the phone telephone number and address listed as follows: Call toll free 0-00-000-0000, 24 hours a day, 7 days a week, or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should write to: Cardholder Services XX Xxx 0000 Xxxxx Xxxxx, XX 00000-0000 or xxx.xxxxxxx-xxxx.xxx. We must allow you to report errors no later than sixty (60) an error until 60 days after information is available to the earlier of the date you on electronically access your periodic statement or Available Balance, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 1-888- 261-7235 or writing us at the address shown above. You will need to tell us:  Your name and Card number;  Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved;  Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not credit your accountCard. For errors involving new accounts, point-of-sale, or foreign-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 Card for the amount you think is in error. We will tell you the results within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you You think your Your statement or receipt is wrong, wrong or if you You need more information about a transaction listed on the Your statement or receipt, you should call or write please contact us at as soon as possible using the phone number or address shown at information in the end Contact section of these Regulatory Disclosures under “UMB Contact Information” this agreement. We must hear from You should report errors no later than sixty (60) 60 days after information is We made available to you on your periodic statement or in your the First electronic statement information concerning on which the problem or error appeared. When calling or notifying us You must: a. Include the account holder name and account number b. Describe 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 transaction you are unsure about question and explain as clearly as you can why you believe it is an error or why you need more information; and (c) possible the discrepancy. c. Indicate the dollar amount of the suspected errortransaction. If you tell us orallyYou make an oral request, we We may require that you You to send us your complaint or questions the question in writing within ten (10) 10 business days. We will determine whether an error occurred make best efforts to complete Our investigation within ten (10) 10 business days after we We hear from you You and will correct any error promptly. If we need more timeHowever, however, we We may take up to 45 days to investigate your complaint or questionthe discrepancy. If we decide We take more than 10 days to do thisinvestigate a problem, we We will re-credit your the account holder’s account within ten (10) 10 business days for the amount you think is in error so that you will have the use of the money during If the time it takes us to complete our investigation. If we ask you account holder is asked to put your complaint or question the discrepancy in writing and we We do not receive it within ten (10) 10 business days, we We may not re-credit your the 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. If We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we We will send you You a written explanationexplanation within three business days after We finish Our investigation. You may ask for copies of the documents that we used in our the investigation. Eligible refunds are processed upon request and will be completed within 4-6 weeks of a written request. Refund requests must be submitted in writing to: RCC Student Involvement 000 Xxxxxxx Xx, Xxxxxxx, XX 00000 Contact information: Phone: 000-000-0000, Email: xxxxxxx0@xxxxxxxxxxxx.xxx 1. Refund To You: a. You may request a refund of your RCC Hawk Card account balance when you graduate, withdraw or leave RCC Proof of withdrawal or dismissal is required. b. Refund requests from faculty and staff are accepted at any time but limited to a total of 4 refunds per year. c. Refunds are processed when: i. The accounts balance is $15.01 or more AND ii. A written refund request is submitted d. A $15.00 refund service fee will be deducted from the refund. e. No refunds will be issued for amounts less than $15 f. Refund Methods: i. Checks: Refund checks will be mailed to Your mailing address on file unless a specific address is provided with the refund request. We are not responsible for lost or misdirected mail, or for Your failure to notify Us of a change of address, or for Your failure to arrange mail forwarding with the United States Postal Service; ii. ACH: Refund will be posted to the bank account provided. A valid routing and account number will be required. iii. Student Xxxx: Refund will be posted as a credit to Your student xxxx. iv. Credit Card: If a credit card was used to add value to RCC Hawk Card the refund can be posted to the same credit card if: 1. the add value was performed within the last 6 months and 2. refund amount is less than last add value transaction. 2. Bequest to another Cardholder: a. You may initiate a bequest when you graduate, withdraw or leave RCC Proof of withdrawal or dismissal is required. b. Bequests from faculty and staff are accepted at any time. c. Bequests are processed when: i. The account balance is $15.01 or more AND ii. A written refund request is submitted.

Error Resolution. If In Case of errors or questions about your electronic transfers, call us by phone us at (000) 000-0000 or email us at xxxxxxx@xxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include You must provide us with the following information: (a1) tell us your name and your HSA Deposit Account numberaccount number (if any); (b2) describe the error or the transaction 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 (c3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account 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 of errors or questions about your electronic transfers, call us at 000-000-0000 or write to us at Security State Bank, 000 X. Xxxxxxxxxx, Fergus Falls, MN 56537. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, you should call or write contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors as soon as you can. We must hear from you no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any). Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your account. For errors involving new accountsIf a notice of error involves an electronic fund transfer, point-of-salepoint of sale debit card transaction, or foreign-initiated transactionsbegun transaction, which occurred within thirty (30) days after the first deposit was made to a new account, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. 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 10 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. If In Case of Errors or Questions About Your Electronic Transfers Telephone us at +0 (000) 000-0000; write us at Tokenizer, 00000 X 0xx Xx X000 Xxxxx X, Xxxxxxx, XX 00000; or email us at xxxxxxx@xxxxxxxxx.xx or use the chat option on our website: www.tokenizer.ccas soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include You must provide us with the following information: (a1) tell us your name and your HSA Deposit Account numberaccount number (if any); (b2) describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account 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. If In Case of Errors or Questions About Your Electronic Transfers Telephone us at 000.000.0000, write us at Ava Finance, Inc., 000 Xxxxxx Xx XXX 000000, Xxx Xxxxxxxxx, XX 00000-0000; or email us at xxxxxxx@xxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include You must provide us with the following information: (a1) tell us your name and your HSA Deposit Account numberaccount number (if any); (b2) describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account 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. This section applies only to electronic funds transfers governed by the EFTA and REG E. In case of errors or questions about your Ebanking transactions, please telephone us at the number listed in Section 12. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receiptstatement, the Bank must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available it sends or delivers to you the FIRST statement on your periodic statement which the problem or in your electronic statement error appeared. If you requested more information concerning about a problem or error, the transaction Bank must hear from you within sixty (60) days after it sends or delivers that you believe information to be in error or which you believe is a problemyou. Include the following information: (a) Tell us your name and your HSA Deposit Account number; (b) describe account number(s). Tell us the type, time, and date of the transaction and the dollar amount of the suspected error. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; . 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 (c) payee account number for the dollar amount of the suspected errorpayment in question. If you tell us the Bank orally, we it may require that you send us in your complaint or questions 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 45 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 error, so that you will have 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 ten (10) business days, we the Bank may not re-credit your account. For errors involving new accountsIf the Bank decides that there was no error, 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 it will send you think is in error. We will tell you the results a written explanation within three (3) business days after completing our it finishes its 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 the Bank used in our its investigation.

Error Resolution. If In Case of Errors or Questions About Your Card Account Telephone us at 000.000.0000 or Write us at 0000 Xxxxxxx Xxxxxx, Xxxx X, Xxxxx Xxxx, XX 00000 or email us at xxxxxxxx_xxxxxxx@xxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think an error has occurred in your statement or receipt is wrong, or if card account. We must allow you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should to report errors no later than sixty (60) an error until 60 days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 000.000.0000 or writing us at 0000 Xxxxxxx Xxxxxx, Xxxx X, Xxxxx Xxxx, XX 00000. You will need to tell us: Your name and [card account] number. Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-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. If you need more information about our error-resolution procedures, call us at 000.000.0000 or visit xxxxxxx.xxxx.xxx.

Error Resolution. If In Case of Errors or Questions About Your Prepaid Card Account, telephone us at 000-000-0000, write us at PO Box 2155, Sioux Falls, SD 57101, or email us at Xxxxxxx@XxxXxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think an error has occurred in your statement or receipt is wrong, or if prepaid card account. We must allow you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should to report errors no later than an error until sixty (60) days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 000-000-0000 or writing us at PO Box 2155, Sioux Falls, SD 57101. You will need to tell us: Your name and prepaid account number. Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 the use of 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 (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.ten

Error Resolution. If In Case of Errors or Questions About your Cardholder Account, Telephone us at (866) 000- 0000, Write to us at 0000 Xxxxxxx Xxxx, Rancho Cordova, CA 95670, or Email us at xxxx@xxxxxxxxxxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, or if you need more information about a transaction transfer listed on the statement or receipt. If you are unable to print a statement from our website, you should call may request a written statement be faxed or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors mailed to you to by calling (000) 000-0000 (fees may apply). DCN must be notified by you no later than sixty (60) 60 days after information DCN mailed a written statement at your request, or from the date you FIRST accessed the Network Transaction and Cardholder Fee history screen, or PDF statement via the Web, on which the problem or error appeared, whichever is available to you on your periodic statement or in your electronic statement information concerning the transaction that you believe to earliest. When notifying DCN of possible ERROR, please be in error or which you believe is a problem. Include the following information: (a) prepared to: A. Give your name and your HSA Deposit Account number; (b) describe Card Number and any other identifying information we may request; B. Describe the error or the transaction you are unsure about Network Transaction in question, and explain as clearly as you can why reason you believe it there is an error or why you need more information; and (c) and C. Give the dollar amount of the suspected errorerror and where and when the Network Transaction took place. If you tell us orallyverbally, we may require that you send us your complaint or questions question in writing within ten (10) business days. We will determine whether an error occurred within . D. Within ten (10) business days after of reporting the suspected error, we hear from you and will determine whether or not there had been a mistake. If an error has occurred, we will correct any the error promptly. If we need more time, howeveradditional time is required for research, we may take up to 45 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit correct your account Cardholder Account within ten (10) business days for the amount you think is in error error, so that you will have the use of the money during the time it takes us to complete our investigation. This type of credit is referred to as a “provisional” credit. If we determine there was no error, we will reverse this credit. 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. Cardholder Account. E. For errors involving new accountsCardholder Accounts, point-of-salePoint of Sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accountsCardholder Accounts, we may take up to 20 business days to credit your account Cardholder Account for the amount you think is in error. . F. 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 request, in writing, copies of the documents that we used in to complete our investigation.

Error Resolution. If you believe that you did not authorize an electronic fund transactionIn case of errors or questions about your Services transactions, contact us immediately. (000) 000-0000 and ask for the Online Banking Services Manager Or write us at: The Milford Bank 00 Xxxxx Xxxxxx, Xxxxxxx, XX. 00000 Attention: Online Banking Services Department For Credit Account Transactions: Write or telephone us at the address set forth in your Credit Agreement or periodic statement. For credit Account transactions, if you need a copy telephone us instead of a transaction receipt from a Merchantwriting, if you may lose certain rights the law gives you to dispute billing errors. If you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receiptstatement, we must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following informationYou must: (a) ▪ Tell us your name and your HSA Deposit Account number; (bnumber(s) describe ▪ Describe the error or the transaction 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 (c) information ▪ Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send us your complaint or questions question in writing within ten (10) business days. We For Deposit Accounts we will determine whether an error occurred tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. (We may extent this time period to 20 business days if the error occurred within 30 days of the first deposit to your Account). If we need more time, however, we may take up to 45 days to investigate your complaint or question. (If the complaint or question concerned a transaction that occurred within 30 days of the first transaction to your Account, we may take up to 90 days to complete our investigation). If we decide to do this, we will credit recredit your account deposit Account within ten (10) business days (twenty (20) business days for new accounts) for the amount you think is in error error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit recredit 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 errordeposit 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 explanationexplanation with three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. For Line of Credit Accounts 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 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. If In Case of Errors or Questions About Your Card Account you believe may: (1) telephone us at: 000- 000-0000; (2) write us at: 0000 Xxxxxxx Xxxxxx, Xxxx. F, Costa Mesa, CA 92626; or (3) email us at: xxxxxxxxxxxxxxx@Xxxx.xxx. It is highly recommended that you did not authorize contact us as soon as possible after discovering the error or question you have. Notwithstanding the foregoing, we must allow you to report an electronic fund transactionerror until 60 days after the earlier of the date you electronically access your account, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you on your periodic statement or error could be viewed in your electronic statement information concerning history or, where applicable, the transaction that 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 000-000-0000, or by writing to 0000 Xxxxxxx Xxxxxx, Xxxx. F, Costa Mesa, CA 92626. In the request, You will need to tell us: • Your name and Card Account number. • Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; (if one exists), and (c) the exact dollar amount of involved. • When the suspected errorerror took place (if known). If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not provisionally credit your account. For errors involving new accounts, point-of-salepoint‐of‐sale, or foreign-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. If you need more information about our error‐resolution procedures, call us at 000-000-0000 or visit xxxxxxx.xxxx.xxx.

Error Resolution. If In case of errors or questions about your electronic transfers, telephone us at 1-888-8CAPFED (1-888-822- 7333), write us at Capitol Federal® Savings Bank, 000 X. Xxxxxx Xxxxxx, Xxxxxx XX 00000, send us a secure message through True Blue Online® or e-mail us at xxxxxxx@xxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) • Tell us your name and your HSA Deposit Account number; account number (b) describe if any). • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. • If you tell us orally, we may require that you send us your complaint or questions 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 45 days to investigate your complaint or question. For point-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 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 ten (10) 10 business days, we may not provisionally credit your account. For errors involving If you are a new accountscustomer, point-of-salethe 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, or foreign-initiated transactionshowever, we may take up to 90 days to investigate your complaint or questionquestions. For new accountsIf we decide to do this, we may take up to will provisionally credit your account within 20 business days to credit your account 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 (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. If In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: appeared: (a1) Tell us your name and your HSA Deposit Account number; account number (bif any). (2) describe Describe the error or the transaction 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 . (c3) Tell us the dollar amount of the suspected error. (4) For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question. If you tell us orallyverbally, we may require that you send us your complaint or questions question in writing within ten (10) 10 business daysdays following the date you notified us. 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 point of sale transaction or a foreign- initiated transfer) after we hear hearing from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point of sale transaction or foreign-initiated transfer) to investigate your complaint or question. 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 point-of-sale transaction or a foreign-initiated transfer) for the amount you think is in error error, so that you will have the use of the 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.. GNB Bank PO Box 246 Grundy Center, IA 50638 Business Days: Monday through Friday (excluding Federal Holidays) Phone: 000-000-0000

Error Resolution. If In case of errors or questions about your electronic transfers, please sign into your Bilderlings US, Inc Bilderlings US, e-Wallet Account Center and select “Dispute a Transaction”. You may also call us at the telephone number listed below or send an email to xxxxxx@xxxxxxxxxxx.xxx, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . You may reach our live agent Customer Service desk by calling: 0-000-000-0000 We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: appeared. (a) Tell us your full name and address listed on your HSA Deposit Bilderlings US, e-Wallet Account number; and a number where we may contact you. Note that once we contact you, as part of your Bilderlings US, e-Wallet Account security protocols, you will need to verify your identity prior to submitting any Claims. (b) describe Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and . (c) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions question in writing within ten (10) business days10 Business Days. We will determine whether an error occurred within ten 10 Business Days (105 Business Days if involving a Visa or Mastercard, point-of-sale transaction processed by Visa or Mastercard or 20 Business Days if the transfer involved a new Bilderlings US, e-Wallet 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 45 days (90 days if the transfer involves a new Bilderlings US, e-Wallet 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 Bilderlings US, e-Wallet Account within ten 10 Business Days (105 Business Days if involving a Visa point-of-sale transaction processed by Visa or 20 Business Days if the transfer involved a new Bilderlings US, e-Wallet Account) business days for the amount you think is in error error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days10 Business Days, we may not credit your accountBilderlings US, e-Wallet Account. For errors involving A Bilderlings US, e-Wallet Account is considered a new accountsBilderlings US, pointe-of-saleWallet Account for 30 days after the first Deposit is made, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For if you are a new accounts, we may take up to 20 business days to credit your account for the amount you think is in errorcustomer. We will tell you about the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies Copies of the documents that we used in the investigation may be obtained by contacting Customer Service. If you need more information about our investigationerror-resolution procedures, call us at the telephone number listed for Customer Service above, or visit xxx.xxxxxx@xxxxxxxxxxx.xxx.

Error Resolution. If In Case of Errors or Questions About Your Electronic Transfers contact us by phone at (000) 000-0000 or write us at State Bank of Cross Plains, ATTN: Electronic Services, 0000 Xxxx Xxxxxx, Xxxxx Xxxxxx, Xxxxxxxxx 00000, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to we sent you the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) • Tell us your name and your HSA Deposit Account number; (b) describe . • Describe the error or the transaction 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 (c) . • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business daysBusiness Days, we may not credit your accountAccount. For errors involving An Account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for 30 days after the amount first deposit is made if you think is in errorare a new customer. We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. If In case of errors or questions about the Secured Account or your electronic transfers telephone us at (000) 000-0000; write us at 000 X Xxxxxxx Xx., 0xx Xxxxx, Xxx Xxxxxxx, XX 00000; or email us at xxxxxxx@xxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include You must provide us with the following information: (a1) tell us your name and your HSA Deposit Account numberaccount number (if any); (b2) describe the error or the transaction 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 (c3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your accountSecured Account. For errors involving new accountsSecured Accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsSecured Accounts, we may take up to 20 twenty (20) business days to credit your account 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 for the Secured Account. For any error or dispute handling related to you Charge Card, please review Section IV (Charge Card Terms)l paragraph T (Your Billing Rights).

Error Resolution. If In case of errors or questions about your electronic transfers, please sign into your mobile application or the X World Wallet Account Center and select “Dispute a Transaction”. You may also call us at the telephone number listed below or send an email to xxxxxxx@xxxxxxxxxxxx.xxx, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt. You may reach our live agent customer service desk 24 hours a day, 7 days a week by calling: 1 915 – 900 – REVX (7389) We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: appeared. (a) Tell us your full name and address listed on your HSA Deposit account and a number where we may contact you. Note that once we contact you, as part of your Account number; security protocols, you will need to verify your identity prior to submitting any claims. (b) describe Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and . (c) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days (5 business days if involving a Visa or Mastercard, point-of-sale transaction processed by Visa or Mastercard or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) for the amount you think is in error 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 ten (10) 10 business days, we may not credit your account. For errors involving An account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for 30 days after the amount first deposit is made, if you think is in errorare a new customer. We will tell you the results 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 Copies of the documents that we used in the investigation may be obtained by contacting Customer Service. If you need more information about our investigationerror-resolution procedures, call us at the telephone number listed for Customer Service above, or visit xxx.xxxxxxxxxxxx.xxx.

Error Resolution. If In Case of Errors or Questions About Your Electronic Transfers. Telephone us at 0-000-000-0000, or write us at Commerce Bank, P.O. Box 411635, Creve Coeur, MO 63141, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: appeared. (a1) Tell us your name and your HSA Deposit Account account number; . (b2) describe Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and . (c3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-salePOS, 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. If In case of errors or questions about your electronic transfers on the Card, call us at 0-000-000-0000 for your Temporary Card or 000-000-0000 for your Personalized Card, or write us at: Our Mail Address P.O. Box 551667 Jacksonville, FL 32255, Attn: Error Resolution Department, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the your statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that you believe to be in date we sent the FIRST written history on which the error or which you believe is appeared. You may request a problem. Include the following information: written history of your (a) tell us your name and your HSA Deposit Account Card number; ; (b) tell us the date on which the transaction occurred; (c) describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and and (cd) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within ten (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 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 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 ten (10) 10 business days, we may not credit your accountthe Card. For errors involving a new accountsCard (open less than 30 days), point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For a new accountsCard, we may take up to 20 business days to credit your account the Card 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 issued a provisional credit to you and there was no error, the amount of that provisional credit will be subtracted from your Card. We will give you advance notice of the amount and date of the debit against your Card for that credit. If you need more information about our error-resolution procedures, call us at the telephone number shown above.

Error Resolution. If Case of Errors or Questions About Your Electronic Transfers Telephone us at (000) 000-0000 or email us at xxxxx@xxxxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST Statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: (a) appeared. i. Tell us your name and your HSA Deposit Account number; number (b) describe if any). ii. Describe the error or the transaction transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you whyyou need more information; and (c) . iii. Tell us the dollar amount of the suspected error. iv. If you tell us orally, we may require that you send us your complaint or questions question in writing within ten 10 Business Days. (101) business days. We will Wewill determine whether an error occurred erroroccurred within ten (10) business days 10 Business Days after we hear from hearfrom you and will correct any error promptly. For new Accounts, we may take up to 20 Business Days to credit your Account for the amount you think is in error. If we need more time, however, we may take up to 45 days to investigate your complaint or question. For errors involving a new Account, a point-of-sale transaction, or a foreign- initiated transferwe maytake up to 90 days to investigateyourcomplaint or question. If we decide to do this, we will credit your account Account within ten (10) business days 10 Business Days for the amount you think is thinkis in error so that you will have the error, sothatyouwill havethe use of the money during the time it takes us to complete our completeour investigation. If the transfer involved a new Account and we ask decide to do this, wewill credityour Account within 20 Business Daysforthe amount youthinkis in error. Ifweask you to put your toputyour complaint or question orquestion in writing and we do not receive it within ten (10) business days10 Business Days, we may not credit your accountAccount. For errors involving During the first 30 days after the first deposit is madeyour Account is considered a new accountsAccount, 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 unless you think is in error. We will already have an established Accountwith us priorto thisAccount being opened. (2) Wewill tell you the results within three (3) business days 3 Business Days after completing our investigation. If we decide wedecide that there was therewas no error, we will send you wewill sendyou a written explanation. . (3) You may ask for askfor copies of the documents that we used in our investigation.

Error Resolution. If In Case of Errors or Questions About Your Payroll Card Account Telephone us at 000-000-0000 for assistance or Write us at PO Box 951004, South Jordan UT 84095-1004 or email us at xxxxxxx@xxxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think an error has occurred in your statement or receipt is wrong, or if payroll card account. We must allow you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should to report errors no later than sixty (60) an error until 60 days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 000-000-0000 or writing us at PO Box 951004, South Jordan UT 84095-1004. You will need to tell us: Your name and [payroll card account] number. Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-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. If you need more information about our error-resolution procedures, call us at 000-000-0000 for assistance, or visit xxx.xxxxxxxx.xxx.

Error Resolution. If In Case of Errors or Questions About Your Prepaid Card Account Telephone us at 000-000-0000 or write us at as Xxxxxxxx Paycard / Attn: Customer Service Department / 00000 Xxxxxxx Xxxx / Xxxxx 000 XXX 000 / Xxxxxx, XX 00000 soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think an error has occurred in your statement or receipt is wrong, or if prepaid card account. We must allow you need more information about a transaction listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should to report errors no later than an error until sixty (60) days after information is available to the earlier of the date you on electronically access your periodic statement or account, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 000-000-0000 or writing us at 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 prepaid account number. Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 error, so that you will have the use of 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 (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.ten

Error Resolution. If In Case of Errors or Questions About Your Electronic Transfers call or write us at the telephone number or address listed in this disclosure or send us a message via e-mail at xxx.xxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: (aappeared. 1) Tell us your name and your HSA Deposit Account or account number; (b, 2) describe Describe the error or the transaction 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 (c, 3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, Ml 48104 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 1-800-968-8628 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX

Error Resolution. If Telephone us at (000) 000-0000, or write to us at THE BANK & TRUST SSB, P.O. Box 4010, Del Rio, TX 78841-4010, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the an Account statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available we sent the FIRST Account statement on which the problem or error appeared. Unless you notify us within such sixty (60) day window, you are prohibited from bringing a claim against us for such suspected error. When you write to you on your periodic statement or in your electronic statement information concerning us, please include the transaction that you believe to be in error or which you believe is a problem. Include the following informationfollowing: (a) your • Your name and your HSA Deposit Account number; (b) describe • Description of the error or the transaction you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the • The dollar amount of the suspected error. If you tell us orallyin person or by phone, we may require that you send us your complaint or questions 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 45 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 error, so that you will have the use of the money 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 ten (10) business daysBusiness Days, we may are not required to credit your accountAccount. 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 Business Days to credit your account Account for the amount you think is in error. We will tell you the results within three (3) business 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. If you believe that you did not authorize an In case of errors or questions about your electronic fund transactiontransfers, if you need a copy of a transaction receipt from a Merchant, if you think your statement notify us by calling 000-000-0000 or receipt is wrong, toll-free 000-000-0000 or if you need more information about a transaction listed on the statement or receipt, you should call or write by writing to us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors Buckeye Community Bank, 000 Xxxxxxxxx Xxxxxx, Xxxxxx, XX 00000. We must hear from you no later than sixty (60) days after information is available to we sent you the FIRST statement on your periodic statement or in your electronic statement information concerning which the transaction that you believe to be in error or which you believe is a problemproblem appeared. Include You will need to provide us with the following information: (a) • Tell us your name and your HSA Deposit Account account number; (b) describe . • Describe the error or the transaction you are unsure about in question and explain as clearly as you can possible why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell report errors or questions to us orally, we may require that you must send us your the complaint or questions question to us in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (ninety (90) business days for new accounts) 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 the use of the money during the time it takes us to complete our investigation. If you report an error or question orally and we ask you to put your do not receive a written complaint or question in writing and we do not receive it within with in ten (10) business days, we may not re- 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 of our investigation 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. If you believe In case of errors or questions about your Card or if any statement shows transactions that you did not authorize an electronic fund transactionmake, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write to us at the phone telephone number and address listed as follows: Call toll free 0-000-000-0000, 24 hours a day, 7 days a week, or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should write to: Cardholder Services PO Box 7235 Sioux Falls, SD 57117-7235 or xxx.xxxxxxx-xxxx.xxx. We must allow you to report errors no later than sixty (60) an error until 60 days after information is available to the earlier of the date you on electronically access your periodic statement or Available Balance, if the error could be viewed in your electronic statement information concerning history, or the transaction that 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 1-888- 000-0000 or writing us at the address shown above. You will need to tell us: • Your name and Card number; • Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved; • Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not credit your accountCard. For errors involving new accounts, point-of-sale, or foreign-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 Card for the amount you think is in error. We will tell you the results within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. If you believe that you did not authorize an In case of errors or questions about your electronic fund transactiontransfers, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on telephone us at the statement or receipt, you should call phone number(s) or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to set forth above as soon as you on your periodic statement or in your electronic statement information concerning the transaction that can. We must hear from you believe to be in error or which you believe is a problem. Include the following information: (a) no a. Tell us your name and your HSA Deposit Account number; account number (b) describe if any). b. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . c. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 after we hear from you and will correct any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or questionquestions (ninety (90) calendar days for POS transaction error, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days (five (5) business days for Debit Card purchase transactions) for the amount you think is in error the 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 ten (10) business days, we may not re-credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we decide after our investigation that an error did not occur, we may take up will deliver or mail to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results an explanation of our findings within three (3) business days after completing the conclusion of our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of the documents (to the extent possible without violating our members’ rights to privacy) relied upon to conclude that we used in our investigationthe error did not occur.

Error Resolution. 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 60 days from when the statement containing the error or problem was first mailed or made available to you. If you believe do not report within 60 days, we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. You further agree that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt fail to report to us within 10 days from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on when the statement was first mailed or receipt, made available to you should call 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 immediately with errors or questions about your electronic transfers at the phone telephone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you on your periodic statement or listed in your electronic 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 transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected errorthis disclosure. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) 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. 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 own safety, be careful. The following suggestions may be helpful.

Error Resolution. If In Case of Errors or Questions About Your Transactions: Telephone us at: 0.000.000.0000 0. 000.000.0000 TTY 423.262.1650 (Collect, when calling outside the U.S.) Or write to: Bank of America X.X. Xxx 0000 Xxxx, XX 00000-0000 ACCOUNTHOLDERS WHO RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL Call or write as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your monthly Account statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will need to tell us: (a) Your name and Account number. (b) Why you believe there is an error, and the dollar amount involved. (c) Approximately when the error took place. If you should call tell us orally, we may require that you send your complaint or question in writing within 10 business days. ACCOUNTHOLDERS WHO DO NOT RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL Call or write as soon as you can if you think an error has occurred in your Account. We must allow you to report an error until 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; but in any event you must report the error no more than 120 days after the transaction allegedly in error was credited or debited to your Account. You may request a written history of your transactions at any time by calling or writing to us at the phone number or numbers and address shown at the end of these Regulatory Disclosures under “UMB Contact Information” listed above. You should report errors no later than sixty will need to tell us: (601) days after information is available to you on your periodic statement or in your electronic statement information concerning the transaction that Your name and Account number. (2) Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. (3) Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions question in writing within ten (10) 10 business days. WHEN YOU WILL HEAR FROM US We will determine whether an error occurred within ten (10) 10 business days after we hear from you you—and will correct any error promptly. If we need more time, however, we may take up to 45 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 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 ten (10) 10 business days, we may not credit your accountAccount. For errors involving new accounts, point-of-salePOS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account Account for the amount 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 or write to us using the contact information listed above.

Error Resolution. If you believe that you did not authorize an In case of errors or questions about electronic fund transactionfunds transfers from your savings and checking accounts, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, you should call or write telephone us at the phone number 0-000-000-0000 or address shown 716-875-1747 or send us a written notice to Riverside Federal Credit Union at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors 000 Xxxxxx Xxxxxx, Xxxxxxx, XX 00000 as soon as you can. We must hear from you no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement or in your electronic statement information concerning which the transaction that you believe to problem appears. Please be in error or which you believe is a problem. Include the following informationprepared with: (a) your • Your name and your HSA Deposit Account account number; (b) describe the error or the transaction . • The electronic transfer you are unsure about about, and explain as clearly as you can why you believe it is the Credit Union has made an error or why you need more information; and (c) the . • The dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45)* days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error error, so that you will have the use of the money during the time 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. 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 of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

Error Resolution. If In case of errors or questions about your electronic transfers, telephone us at the number provided in Section 11.6 as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think that your statement is wrong or receipt is wrong, or if you need more information about a transaction listed on the your statement or receiptappearing on the account activity screen of your PC, we must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to we sent the FIRST statement on which the problem or error appeared or you received notification of the problem or error on your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemPC. Include the following information: (a) You must: 1. Tell us your name and your HSA Deposit the Account number; (b) describe . 2. Describe the error or the transaction you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business daysBusiness Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account), we may will not credit your account. For errors involving new accounts, account and we will still have up to forty-five (45) days (ninety (90) days for point-of-salesale transactions, transactions initiated outside the United States, or foreign-initiated transactions, we may take up transactions that have occurred within 30 days after the first deposit to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account the account) for the amount you think is in errorour investigation. We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. In case of errors or questions concerning your Equity Line of Credit, you do not have to pay any amount in question while we investigate, but you are obligated to pay the parts of your Equity 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 in question.

Error Resolution. If you believe that you did not authorize an electronic fund transaction, if you need a copy In the event of a transaction receipt from dispute regarding the Service, you and Stepping Stones Community Federal Credit Union agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and SSCFCU which supersedes any proposal or prior agreement, oral or written, and any other communications between you and SSCFCU relating to the subject matter of this Agreement. In the event of a Merchantconflict between the terms of this Agreement and any verbal representation or interpretation by one of our employees, the terms of this written Agreement shall control. In case of errors or questions about any of your electronic transactions, or if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receipt, you should call or write contact us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) •a60 days after information is available to you we sent the FIRST statement on which the problem or error occured. • Tell us your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include the following information: account number and account number (aif any) your name and your HSA Deposit Account number; (b) describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (c) transaction. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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. This section applies only to electronic funds transfers governed by the EFTA and REG E. In case of errors or questions about your Online Banking transactions, please telephone Online Support (see Section 12). If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receiptstatement, the Bank must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available it sends or delivers to you the FIRST statement on your periodic statement which the problem or in your electronic statement error appeared. If you requested more information concerning about a problem or error, the transaction Bank must hear from you within sixty (60) days after it sends or delivers that you believe information to be in error or which you believe is a problemyou. Include the following information: (a) Tell us your name and your HSA Deposit Account number; (b) describe account number(s). Tell us the type, time, and date of the transaction and the dollar amount of the suspected error. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; . For a xxxx payment, tell us the checking account number used to pay the xxxx, payee name, date the payment was sent, payment amount, check number, and (c) payee account number for the dollar amount of the suspected errorpayment in question. If you tell us the Bank orally, we it may require that you send us in your complaint or questions 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 45 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 error, so that you will have 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 ten (10) business days, we the Bank may not re-credit your account. For errors involving new accountsIf the Bank decides that there was no error, 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 it will send you think is in error. We will tell you the results a written explanation within three (3) business days after completing our it finishes its 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 the Bank used in our its investigation.

Error Resolution. If In Case of errors or questions about your electronic transfers, call us by phone us at 000-000-0000 or email us at xxxxxxx@xxxxxxxxxxxxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include You must provide us with the following information: (a1) tell us your name and your HSA Deposit Account numberaccount number (if any); (b2) describe the error or the transaction 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 (c3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account 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. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, Call or write to us as soon as possible if you think your statement statement, account or receipt transaction information is wrong, wrong or if you need more information about a transaction listed on the your statement or receipt, shown through Primebank’s Internet Banking Service. We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to we send the first statement on which the problem or error appeared. The telephone number and address you on your periodic statement may use are as follows: Phone Customer Service by dialing (000)000-0000 in Le Mars, (000)000-0000 in Sioux Center or in your electronic statement information concerning the transaction that you believe to be in error Sioux City, call our office on Sunnybrook Drive at 712)224-5400 or which you believe is a problemour office on Xxxxxxxx Boulevard at (000)000-0000 between 8:00 A.M. and 4:30 P.M. CST Monday through Friday. Include the following informationWrite to: (a) Primebank Error Resolution P.O. Box 1408 Le Mars, Iowa 51031  Tell us your name and your HSA Deposit Account account number; (b) describe .  Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) .  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 error, so that you will have the use of the 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 ten (10) business days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we determine that there is no error, 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 will send you think is in error. We will tell you the results an explanation within three (3) business days after completing we finish 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. If In Case of Errors or Questions About Your Electronic Transfers, telephone us, write us at or E-mail us at the number or location provided in Article X, Section E as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think that your statement is wrong or receipt is wrong, or if you need more information about a transaction listed on the your statement or receiptappearing on the account activity screen of your Access Device, we must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to we sent the FIRST statement on which the problem or error appeared or you received notification of the problem or error on your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemAccess Device. Include the following informationYou must: (a) • Tell us your name and your HSA Deposit the Account number; (b) describe . • Describe the error or the transaction you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • 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 payee account number for the payment in question. (This information appears on the Bill Payment View Posting Screen.) If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business daysBusiness Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account), we may will not credit your account. For errors involving new accounts, account and we will still have up to forty-five (45) days (ninety (90) days for point-of-salesale transactions, transactions initiated outside the United States, or foreign-initiated transactions, we may take up transactions that have occurred within 30 days after the first deposit to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account the account) for the amount you think is in errorour investigation. We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. If you believe that you did not authorize an In case of errors or questions about electronic fund transactionCard transactions, if you need a copy of a transaction receipt from a Merchant, please notify us as soon as possible if you think your you statement or receipt is wrong, or if you need more information about a transaction listed on the a statement or receipt. You can notify us via the Customer Service Number located on the back of your card or via mail at 0 Xxxxxxxxx Xxxxxx, Xxxx 0, Xxxxxx, Xxxx. 00000. We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to we sent you the first statement on which the problem or error appeared. When you notify us: a. Tell us your periodic statement name and card number. b. Describe the error or in your electronic 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 transaction you are unsure about about, and explain as clearly as you can possible why you believe that it is an error or why you need more information; and (c) . c. Tell us the dollar amount of the suspected errorerror and where and when the transaction took place. If you tell us orally, we may require that you send us your complaint or questions question in writing within ten (10) business days. We will determine whether an error occurred within . d. Within ten (10) business days after we hear from you you, we will determine whether an error occurred, and if so, we will correct any the error promptly. If we need more time, however, we may take up to 45 sixty (60) 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 the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question questioning in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accountsCards, point-of-salesale debit card transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For question and for new accounts, we may take up to 20 business days to credit your Card account for the amount you think believe 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. We are not responsible for the delivery, quality, safety, legality or any other aspect of the goods and services purchased from merchants with the Card. As disputes concerning those matters should be addressed to the merchants from whom the goods and services were purchased.

Error Resolution. If IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, telephone us toll free at (000) 000-0000 or write us at West Suburban Bank, 000-000 Xxxxx Xxxxxx Xxxx, Lombard, Illinois, 60148, Attention: Prepaid Solutions as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement state- ment or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you on your periodic statement or in your we posted the FIRST electronic statement information concerning on which the transaction that you believe to be in problem or 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 transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected errorappeared. If you tell us orally, we may require that you send us your complaint or questions 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 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 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 ten (10) 10 business days, we may not credit your accountCard Account. For errors involving new accounts, point-of-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 Card 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 explanationexpla- nation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. If In Case of Errors or Questions About Your Electronic Transfers Telephone us at 0800 747 8117; write us at 1000 N West Street, Suite 1200, Wilmington, DE 19801; or email us at support@qorbis.com as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include You must provide us with the following information: (a1) tell us your name and your HSA Deposit Account numberaccount number (if any); (b2) describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-salepoint−of−sale, or foreign-initiated foreign−initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account 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. VIII. DEPOSIT AVAILABILITY DISCLOSURE When a deposit is made to your Account, the funds may not be available immediately. This Section VIII (Deposit Availability Disclosure) describes when funds will be made available to you.

Error Resolution. In case of errors or questions about your Electronic Funds Transfers, contact us as soon as you can at (000) 000-0000 and by mail at AL Advisors Management, Inc., 00 Xxxx Xxxxxx, Xxx Xxxxxxxxx, XX 00000. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt Account Information is wrong, wrong or if you need more information about a transaction an Electronic Funds Transfer listed on the statement or receiptyour Account Information, we must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is we FIRST made the Account Information available on which the problem or error appeared. When you contact us, be prepared to you on your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include provide the following information: (ai) your name and your HSA Deposit Account number; , (bii) describe a description of the error or the transaction transfer you are unsure about about, and explain as clearly as you can an explanation of why you believe it is an error or why you need more information; , and (ciii) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions 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 45 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 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 ten (10) business daysBusiness Days, we may not credit your accountAccount. For errors involving new accounts, point-of-sale, Accounts opened within thirty (30) days or foreign-initiated transactionsless, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 business days twenty (20) Business Days to credit your account Account for the amount you think is in error. We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Error Resolution. If you believe that you did not authorize an In case of errors or questions about your electronic fund transactiontransfers, if telephone us at 0-000-000-0000 or write us at Cardholder Services, PO Box 28540, Raleigh, NC 27611 as soon as you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is the statement on which the problem or error first appeared was made available to you on your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemyou. Include the following information: (a) • Tell us your name and your HSA Deposit Account account number; (b) describe . • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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 explanationexplanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. 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. If In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available to you on your periodic statement or in your electronic 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 transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected error. If you tell us orally, orally we may require that you send us your complaint or questions 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 45 days (90 days if the transfer involved a new account, was a foreign initiated transfer or a POS debit card transfer) 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 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 ten (10) 10 business days, we may not credit your account. For errors involving Your account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount first 30 days after the first deposit is made, unless you think already have an established account with us before this account is in erroropened. We will tell you the results 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 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 or questions about your electronic transfers including direct deposit, OSFCU ATM transactions, OSFCU debit card transactions, OSFCU Online transactions and/or pre-authorized payments, call OSFCU at 000- 000-0000 or toll free at 000-000-0000 to speak with the Member Service Center (see business hours listed above) or send your written correspondence to: • Ontario Shores FCU, 0000 Xxxxxxx Xxxx, X.X. Xxx 0, Xxxxxxx, XX, 00000. If you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the in your statement or receipt, promptly submit your inquiry to us as we must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available we sent you the FIRST statement on which the problem or error appeared. Be prepared to you on your periodic statement or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problem. Include provide us with the following information: (a) your • Your name and your HSA Deposit Account account number; (b) describe , • A description of the error or the transaction transfer you are unsure about think is incorrect and clearly explain as clearly as you can why you believe it is an error or why you need more information; , and (c) the • The dollar amount of the suspected error. If you tell notify us orally, we may will require that you to send us your complaint or questions question in writing within ten (10) business daysdays following the date that you notified us. We will determine whether an error occurred report to you the results of our investigation within ten (10) calendar days (5 business days after we hear from for debit card point of sale transactions) following the date you and notified us. We will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or questionquestion following the date you notified us. If we decide to do thisuse more time to investigate, we will credit your account within ten (10) calendar days (5 business days for debit card point of sale transactions) following the date you notified us, we will provisionally credit your account for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put do not receive your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-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, and we must make these available to you for inspection. For a reasonable fee covering our duplication costs, we will provide you with copies of any such documents which you request if your alleged error concerns a transfer to or from a third party (i.e. a Social Security payment), our investigation may be limited to a review or our own records if we decide that there was no error, you may want to contact such third party to pursue the matter further.

Error Resolution. If Telephone us at (000) 000-0000, or write to us at THE BANK & TRUST SSB, P.O. Box 4010, Del Rio, TX 78841-4010, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction listed on the an Account statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) days after information is available we sent the FIRST Account statement on which the problem or error appeared. Unless you notify us within such sixty (60) day window, you are prohibited from bringing a claim against us for such suspected error. When you write to you on your periodic statement or in your electronic statement information concerning us, please include the transaction that you believe to be in error or which you believe is a problem. Include the following informationfollowing: (a) your • Your name and your HSA Deposit Account number; (b) describe • Description of the error or the transaction you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the • The dollar amount of the suspected error. If you tell us orallyin person or by phone, we may require that you send us your complaint or questions 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 45 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 error, so that you will have the use of the money 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 ten (10) business daysBusiness Days, we may are not required to credit your accountAccount. 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 Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) business 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. If you believe your login credentials have become known by an unauthorized person or that you did not authorize an electronic fund transactionunauthorized transaction has been or may be made from your account, if you need a copy of a transaction receipt from a Merchantalert the Financial Institution immediately by calling us at (312) 57‐3200, if e‐mailing us at xxxx_xxxx@xxxxxxxxxxxxx.xxx, writing to us at: 0000 X Xxxxx Xxxxxx ste. 204, Chicago, IL 60610, or visiting the Financial Institution in person. If you think your statement or receipt is wrong, wrong or if you need more further information about a transaction listed on the statement or receiptstatement, you should call or write us at must notify the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors Financial Institution no later than sixty (60) days after information is available it sends or delivers to you the FIRST statement on your periodic statement which the error appeared. If you requested more information about a problem or in your electronic statement error, the Financial Institution must receive notice of the confirmed error within sixty (60) days after it sends or delivers that information concerning the transaction that you believe to you. The following information should be included in error or which you believe is a problemresolution requests: your name, account number(s), the type, time, and date of the transaction, and the dollar amount of the suspected error. Include the following information: (a) your name and your HSA Deposit Account number; (b) describe Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) the dollar amount of the suspected error. If you tell us notify the Financial Institution orally, we may require that you send us in your complaint or questions 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 45 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 error, so that you will have 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 (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.ten

Error Resolution. If In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your statement or receipt is wrong, or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. 1. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any) 2. Describe the error or the transaction 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 (c) . 3. Tell us the dollar amount of the suspected error. 4. For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question. If you tell us orallyverbally, we may require that you send us your complaint or questions question in writing within ten (10) 10 business daysdays following the date you notified us. 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 point of sale transaction or a foreign-initiated transfer) after we hear hearing from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point of sale transaction or foreign- initiated transfer) to investigate your complaint or question. 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 point of sale transaction or a foreign-initiated transfer) for the amount you think is in error error, so that you will have the use of the 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 ten (10) 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.. GNB Bank P.O. Box 246 Grundy Center, IA 50638 Business Days: Monday through Friday (excluding Federal Holidays) Phone: 000-000-0000

Error Resolution. If Telephone us at (000) 000-0000 or emal us at xxxxxxxxxxxxxxxx@xxxxxxxxxxx.xxx , or write to us at 000 0xx Xxxxxx Xxxxx Xxxxx 000 Xxxxxxxxx, XX 00000, as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. 1. Include the following information: (a) Tell us your name and your HSA Deposit Account number; account number (b) describe if any). 2. Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . 3. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or questions 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 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 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 ten (10) 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. If In case of errors or questions about your electronic transfers, telephone us at 1-888-8CAPFED (1-888-822- 7333) or write us at Capitol Federal® Savings Bank, 000 X. Xxxxxx Xxxxxx, Xxxxxx XX 00000 or e-mail us at xxxxxxx@xxxxxx.xxx as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchantcan, if you think your statement or receipt is wrong, wrong or if you need more information about a transaction transfer listed on the statement or receipt, . We must hear from you should call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” You should report errors no later than sixty (60) 60 days after information is available to you we sent the FIRST statement on your periodic statement which the problem or in your electronic statement information concerning the transaction that you believe to be in error or which you believe is a problemappeared. Include the following information: (a) • Tell us your name and your HSA Deposit Account number; account number (b) describe if any). • Describe the error or the transaction transfer you are unsure about about, and explain as clearly as you can why you believe it is an error or why you need more information; and (c) . • Tell us the dollar amount of the suspected error. • If you tell us orally, we may require that you send us your complaint or questions 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 45 days to investigate your complaint or question. For point-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 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 ten (10) 10 business days, we may not provisionally credit your account. For errors involving If you are a new accountscustomer, point-of-salethe 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, or foreign-initiated transactionshowever, we may take up to 90 days to investigate your complaint or questionquestions. For new accountsIf we decide to do this, we may take up to will provisionally credit your account within 20 business days to credit your account 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 (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. If In Case of Errors or Questions About Your Transactions: Telephone us at: 0.000.000.0000 0.000.000.0000 TTY 423.262.1650 (Collect, when calling outside the U.S.) Or write to: Bank of America X.X. Xxx 0000 Xxxx, TN 37615-8488 ACCOUNTHOLDERS WHO RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL Call or write as soon as you believe that you did not authorize an electronic fund transaction, if you need a copy of a transaction receipt from a Merchant, can if you think your monthly Account statement or receipt is wrong, wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will need to tell us: (a) Your name and Account number. (b) Why you believe there is an error, and the dollar amount involved. (c) Approximately when the error took place. If you should call tell us orally, we may require that you send your complaint or question in writing within 10 business days. ACCOUNTHOLDERS WHO DO NOT RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL Call or write as soon as you can if you think an error has occurred in your Account. We must allow you to report an error until 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; but in any event you must report the error no more than 120 days after the transaction allegedly in error was credited or debited to your Account. You may request a written history of your transactions at any time by calling or writing to us at the phone number or numbers and address shown at the end of these Regulatory Disclosures under “UMB Contact Information” listed above. You should report errors no later than sixty will need to tell us: (601) days after information is available to you on your periodic statement or in your electronic statement information concerning the transaction that Your name and Account number. (2) Why 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 transaction you are unsure about and explain as clearly as you can why you believe it there is an error or why you need more information; error, and (c) the dollar amount of involved. (3) Approximately when the suspected errorerror took place. If you tell us orally, we may require that you send us your complaint or questions question in writing within ten (10) 10 business days. WHEN YOU WILL HEAR FROM US We will determine whether an error occurred within ten (10) 10 business days after we hear from you you—and will correct any error promptly. If we need more time, however, we may take up to 45 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 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 ten (10) 10 business days, we may not credit your accountAccount. For errors involving new accounts, point-of-salePOS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account Account for the amount 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 or write to us using the contact information listed above.