Common use of Error Resolution Clause in Contracts

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401 1. You may request a refund of your NIACC OneCard account balance when you graduate, withdraw or leave NIACC. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Xxxxxxx Xx Mason CityBursar’s Office, IA 5040100 Xxxxxxxx Xx., Cazenovia, NY 13035 1. Refund To You: a. You may request a refund of your NIACC OneCard CazCash account balance when you graduate, withdraw or leave NIACCCazenovia College. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. You agree to timely examine your receipts and periodic statements and to report any errors or problems to us within a reasonable time. You agree that the time to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 60 (sixty) days from the date when the statement containing the error or problem was first mailed or made available to you. If You you do not report within 60 (sixty) days, we will be entitled to treat such information as correct and you will be precluded from asserting otherwise. Telephone or write us, at the phone number or address shown in this Agreement as soon as you can, if you think Your your receipt or statement or receipt is wrong wrong, or if You you need more information about a transaction listed on Your the statement or receipt, please contact .  Give us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first electronic statement on which the problem or error appeared. When calling or notifying us You must: a. Include Cardholder and Company names and the account holder name and account number b. .  Describe the error or the transaction in question you are unsure about and explain as clearly as possible the discrepancy. c. Indicate why you believe it is an error or why you need more information.  Tell us the dollar amount of the transactionsuspected error. If You make an oral requestyou give us this information orally or electronically, We we may require You to that you send the us your complaint or question in writing within 10 (ten) business days. We If you provide us with timely notice of an error or problem we will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount matter and notify you of the If results as soon as reasonably possible under the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigationcircumstances. You may ask for copies of the documents used that we use in the our investigation. Eligible refunds We will not provide provisional credit for the questioned transaction(s) while we are processed upon request and will be completed within 4-6 weeks of a written request. Refund requests must be submitted in writing to: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401 1investigating it. You may request a refund have zero liability for unauthorized use of your NIACC OneCard account balance Business Debit MasterCard® at merchant locations displaying the MasterCard symbol when you graduateit is used for Signature based transactions, withdraw or leave NIACCPIN-based transactions at Point-of-Sale and ATM. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. Checks: Refund checks will be mailed to Your mailing address on file unless a specific address Zero liability is provided with if you exercise reasonable care in safeguarding the refund requestcard from risk of loss or theft and upon becoming aware you promptly report the loss or theft to us. We are not responsible for TELL US AT ONCE if you believe your Card and/or PIN has been lost or misdirected mailstolen. Telephoning is the best way of keeping your possible losses down. If you believe your Card and/or PIN is lost, stolen or used without your permission, you agree to notify us immediately and to promptly confirm such notice in writing. During normal business hours 0-000-000-0000 (After hours 0-000-000-0000) If your Card or PIN is lost, stolen, or for Your failure used without your permission, we may request you to notify Us sign an affidavit to assist in bringing criminal or civil proceedings against the person(s) responsible. In most cases we will require verification that a police report of a change of address, or for Your failure to arrange mail forwarding with the United States Postal Serviceincident was filed. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible You can using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an account holder makes an oral request, We may require You to that the account holder send the question in writing within 10 business days. We will make best efforts to complete tell You the results of Our investigation within 10 business days after We hear from You and will correct any error promptly. HoweverIf We need more time, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days decide to investigate a problemdo this, We will re-credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete Our investigation. If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in the investigation. Eligible refunds are processed upon request and will be completed within 4-6 weeks of a written request. Refund requests must be emailed to xxXXXXXXX@xxxxx.xxx or submitted in writing to: NIACC Business Office 000 Auxiliary Services 0 Xxxxxxxxxx Xxxxxxx Xx Mason CityXxxxxxxxxx Xxxx, IA 50401 1. You may request a refund of XX 00000 Please include in your NIACC OneCard account balance when you graduaterequest: your name, withdraw or leave NIACC. Proof of withdrawal or dismissal is requiredGSU ID number, reason for your request. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible You can using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an account holder makes an oral request, We may require You to that the account holder send the question in writing within 10 business days. We will make best efforts to complete tell You the results of Our investigation within 10 business days after We hear from You and will correct any error promptly. HoweverIf We need more time, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days decide to investigate a problemdo this, We will re-credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete Our investigation. If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office Roosevelt University Food Services 000 Xxxxxxx Xx Mason CityXxxxx Xxxxxxxx Xxx. Chicago, IA 50401IL 60605 1. Refund To You: a. You may request a refund of your NIACC OneCard Xxxxxxxxx Xxxx account balance when you graduate, withdraw or leave NIACCRoosevelt University. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. iii. Student Xxxx: Refund will be posted as a credit to Your student billxxxx. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Point University Business Office 000 Xxxxxxx Xx Mason CityXxxx 00xx Xxxxxx West Point, IA 50401GA 31833 1. Refund To You: a. You may request a refund of your NIACC OneCard Skyhawk Bucks account balance when you graduate, withdraw or leave NIACCPoint University. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business UNA Mane Card Office 000 Xxxxxxx Xx Mason City0Xxxxxxxx Xxxxx Box 5132 Florence, IA 50401AL 35632 1. Refund To You: a. You may request a refund of your NIACC OneCard Lion Loot account balance when you graduate, withdraw or leave NIACCUniversity of North Alabama. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. b. Refunds are processed when: a. i. The accounts balance is $15.01 15.00 or more AND b. ii. A written refund request is submitted 4. c. A $15.00 10.00 refund service fee will be deducted from the refund. 5. d. No refunds will be issued for amounts less than a value of $155.00 or less. 6. e. Refund Methods: a. 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.; b. ii. Student Xxxx: Refund will be posted as a credit to Your student billbill if there has an outstanding balance. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancydiscrepancy of the transaction in question. c. Indicate the dollar amount of the transactiontransaction in question. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancydiscrepancy in question. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 The Academy of the New Church/Bryn Athyn College Finance Department to Approve Xxxxxxx Xx Mason City, IA 50401X. Xxxxxx Assistant Controller 1. Refund To You: a. You may request a refund of your NIACC OneCard Campus Cash account balance when you graduate, withdraw or leave NIACCThe Academy of the New Church/Bryn Athyn College. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. d. Refund Methods: a. 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. b. iii. Student Xxxx: Refund will be posted as a credit to Your student billxxxx. c. iv. Credit Card: If a credit card was used to add value to NIACC OneCard Campus Cash 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and Bequest to another Cardholder: a. You may be charged initiate a monthly Inactivity Feebequest when you graduate, withdraw or leave The Academy of the New Church/Bryn Athyn College. If a NIACC OneCard 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 inactive and has zero value it will be closed$15.01 or more AND ii. A written refund request is submitted.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible You can using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an account holder makes an oral request, We may require You to that the account holder send the question in writing within 10 business days. We will make best efforts to complete tell You the results of Our investigation within 10 business days after We hear from You and will correct any error promptly. HoweverIf We need more time, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days decide to investigate a problemdo this, We will re-credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete Our investigation. If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Xxxxxxx Xx Mason CityFenway Card Service Center PO Box 1305 Doylestown, IA 50401PA 18901-0117 1. Refund To You: a. You may request a refund of your NIACC OneCard Fenway Cash account balance when you graduate, withdraw or leave NIACCyour member college of Colleges of the Fenway. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. b. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. i. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. c. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You you think Your your statement or receipt is wrong or if You you need more information about a transaction listed on Your your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You you no later than 60 days after We made available the first First electronic statement on which the problem or error appeared. When calling or notifying us You you must: a. Include the account holder name and account number b. Describe the transaction in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You you make an oral request, We may require You you to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You you and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You you a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office Xxxxxx College / Attn: Dining Services 000 Xxxxxxx Xx Mason CityXxxxxxxxx Xxxx Wenham, IA 50401MA 01985 1. You Refund To you: a. Students may request a refund of your NIACC OneCard Xxxxxx College account balance when you graduate, withdraw or leave NIACC. Proof of withdrawal or dismissal is requiredsubject to the conditions listed in the student handbook. 2. b. Refund requests from faculty and staff are accepted at any time but limited are only refunded at the same discount rate as used to a total of one refund per yearoriginally purchase the balance. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will may be deducted from the refundrefund as a processing fee. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. i. Checks: Refund checks will be mailed to Your 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 your failure to notify Us of a change of address, or for Your your failure to arrange mail forwarding with the United States Postal Service. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401: 1. Refund To You: a. You may request a refund of your NIACC OneCard Senator Bucks account balance when you graduate, withdraw or leave NIACCXxxxx & Xxxxxx College. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. If You you think Your your statement or receipt is wrong or if You you need more information about a transaction listed on Your your statement or receipt, please contact us as soon as possible you can using the information in the Contact section of this agreement. We must hear from You you no later than 60 days after We we made available the first First electronic statement on which the problem or error appeared. When calling or notifying us You you must: a. Include the account holder name and account number b. Describe the transaction in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an account holder makes an oral request, We we may require You to that the account holder send the question in writing within 10 business days. We will make best efforts to complete Our tell you the results of our investigation within 10 business days after We we hear from You you and will correct any error promptly. HoweverIf we need more time, We we may take up to 45 days to investigate the discrepancy. If We take more than 10 days we decide to investigate a problemdo this, We we will re-re- credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete our investigation. If the account holder is asked to put the discrepancy in writing and We we do not receive it within 10 business days, We we may not re-credit the account. If We we decide that there was no error, We we will send You you a written explanation within three business days after We we finish Our our investigation. You may ask for copies of the documents used in 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 by email or in writing to: NIACC Business Office 000 Xxxxxxx Xx Mason CityBy Email: xxxxxxx@xxxxx.xxx In Writing: Campus Card Service Center PO Box 1305 Doylestown, IA 50401PA 18901-0117 1. Refund To You: a. You may request a refund of your NIACC OneCard Campus Cash account balance when you graduate, withdraw or leave NIACCthe University of Baltimore. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. i. A written or email refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. d. Refund Methods: a. i. Checks: Refund checks will be mailed to Your 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 your failure to notify Us us of a change of address, or for Your your failure to arrange mail forwarding with the United States Postal Service. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. If You think Your statement you suspect a payment has been made in error, telephone us at 000-000-0000 or receipt is wrong or if You need more information about a transaction write us at the address listed on Your statement or receipt, please contact us above as soon as possible using the information in the Contact section of this agreementyou can. We must hear from You you no later than 60 days after We made available we sent the first electronic statement on which the problem or error appeared. When calling or notifying You should also contact the bank where you hold your Designated Account. Tell us You must: a. Include the account holder your name and account number b. Describe number , describe the transaction in question error or the transfer you are unsure about, and explain as clearly as possible the discrepancy. c. Indicate you can why you believe it is an error. Tell us the dollar amount of the transactionsuspected error. If You make an oral requestyou tell us orally, We we may require You to that you send the us your complaint or question in writing within 10 business days. We will make best efforts to complete Our investigation determine whether an error occurred within 10 business days after We we hear from You you and will correct any error promptly. HoweverIf we need more time, We however, we may take up to 45 days to investigate the discrepancyyour complaint or question. If We take more than 10 days we decide to investigate a problemdo this, We we will re-credit the account holder’s your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If the account holder is asked we ask you to put the discrepancy your complaint or question in writing and We we do not receive it within 10 business days, We we may not re-credit the your account. We will tell you the results within three business days after completing our investigation. If We we decide that there was no error, We we will send You you a written explanation within three business days after We finish Our investigationexplanation. You may ask for copies of the documents that we used in the our investigation. Eligible refunds are processed upon request and IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES, INCLUDING FOR DELAY, NON- DELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY PAYMENT OR SERVICE TRANSACTION, BEYOND THE SUM OF $500.00. IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, ARISING FROM YOUR ACCESS TO, OR USE OF, THE CMRE PAYMENT PORTAL. WE WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE PROPERLY TRANSMITTED THROUGH THE CMRE PAYMENT PORTAL AND ACTUALLY RECEIVED BY US, AND DO NOT ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT UNDER OUR CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS. WE ARE NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING OUT OF THE USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY BROWSER OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS CONTROL. WE ARE NOT RESPONSIBLE SHOULD YOU PROVIDE INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROCESSING OF THE PAYMENT YOU REQUESTED. CMRE does not charge you any monthly or payment transaction fees to use the CMRE Payment Portal. You will be completed within 4-6 weeks of a written request. Refund requests must be submitted in writing to: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401 1. You may request a refund of your NIACC OneCard account balance when you graduate, withdraw or leave NIACC. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. 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 paying any amount you may owe other persons or misdirected mailcompanies related to the use of the CMRE Payment Portal or any bank, debit card 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used Account linked to add value to NIACC OneCard your Account in 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closedCMRE Payment Portal.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as clearlyas possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 30 business days after We hear from You and will correct any error promptly. However, We may take up to 45 60 days to investigate the discrepancy. If We take more than 10 30 days to investigate a problem, We will re-credit the account holder’s account within 10 30 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in the investigationinvestigation in accordance with Georgia’s Open Records Act. 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: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401Fort Valley State University Department to Approve Contact information 1. Refund To You: a. You may request a refund of your NIACC OneCard Fort Valley State University account balance when you graduate, withdraw or leave NIACCFort Valley State University. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year4 refunds peryear. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. iii. Student Xxxx: Refund will be posted as a credit to Your student billxxxx. c. iv. Credit Card: If a credit card was used to add value to NIACC OneCard Fort Valley State University 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and Bequest to another Cardholder: a. You may be charged initiate a monthly Inactivity Feebequest when you graduate, withdraw or leave Fort Valley State University. If a NIACC OneCard 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 inactive and has zero value it will be closed$15.01 or more AND ii. A written refund request is submitted.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete Our investigation. If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Xxxxxxx Xx Mason CityOsprey 1Card Service Center PO Box 1305 Doylestown, IA 50401 1. You may request a refund of your NIACC OneCard account balance when you graduate, withdraw or leave NIACC. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted PA 18901-0117 Or via email at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. xxxxxx@xxxxxx0xxxx.xxx No refunds will be issued for amounts less than $15 6. Refund Methods: a. Checks: Refund checks will be mailed to Your mailing address on file unless if Cardholder has 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard the refund can be posted pending financial obligation to the same credit card if: 1University. the add value was performed within the last 6 months and 2. Pending financial obligations must be satisfied prior to an Xxxxx Bucks refund amount is less than last add value transaction. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closedbeing granted.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible You can using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an account holder makes an oral request, We may require You to that the account holder send the question in writing within 10 business days. We will make best efforts to complete tell You the results of Our investigation within 10 business days after We hear from You and will correct any error promptly. HoweverIf We need more time, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days decide to investigate a problemdo this, We will re-credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete Our investigation. If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Xxxxxxx Xx Mason CityCampus Card Service Center PO Box 1305 Doylestown, IA 50401PA 18901-0117 Or emailed to: XXXXxxxXxxXxxx@xxx.xxx 1. Refund To You: a. You may request a refund of your NIACC OneCard USJ Blue Xxx Xxxx account balance when you graduate, withdraw or leave NIACCUniversity of Saint Xxxxxx. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. iii. Student Xxxx: Refund will be posted as a credit to Your student billxxxx. c. iv. Credit Card: If a credit card was used to add value to NIACC OneCard USJ Blue Xxx Xxxx 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us Us as soon as possible You can using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first electronic statement or receipt on which the problem or error appeared. When calling or notifying us Us You must: a. Include the account Account holder name and account Account number b. Describe the transaction in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. transaction If You make the Account holder makes an oral request, We may require You to required that the Account holder send the question in writing within 10 business days. We will make best efforts to complete tell You the results of Our investigation within 10 business days after We hear from You and will correct any error promptly. HoweverIf We need more time, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days decide to investigate a problemdo this, We will re-credit the account Account holder’s account Account within 10 business days for the amount of the discrepancy, so that the Account holder will have use of the value during the time it takes Us to complete Our investigation. If the account Account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the accountAccount. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office Xxxx-Xxxxxx Friends’ Place 000 Xxxxxxx Xx Mason CityXxxxxxxxx Xxxxxx Boston, IA 50401 1. MA 02215 You may request a refund of your NIACC OneCard account balance when you graduate, withdraw or leave NIACC. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3Your Care Card Account balance. Refunds are considered processed when: a. The accounts balance is $15.01 or more AND b. A when a written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6received. Refund Methods: a. Credit Card or Debit Card: If a credit or debit card was used to add value to the Care Card, the refund can be posted to the same credit or debit card if the refund amount is less than $50. b. Cash: If cash was used to add value to the Care Card, the balance can be refunded as cash if the refund amount is less than $50. c. Checks: Refund checks will be mailed to Your mailing address on file with DFCI Care Card 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong wrong, or if You need more information about a transaction listed on Your statement or receipt, please contact us the CobyCard Office as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You You, and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, an error is detected We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the accounterror. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in the investigation. Eligible refunds are processed upon graduation, or withdrawal from SUNY Cobleskill. A completed refund request form must be submitted to the CobyCard office and eligible refunds will be completed within 4-6 weeks processed at the end of a written requestthe Spring semester in which the request is submitted. Refund requests must be submitted online by the second Friday in writing toMay at: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401xxxxx://xxx.xxxxxxxxxx.xxx/campus-life/cas/forms.aspx 1. Refund** To You: a. You may request a refund of your NIACC OneCard CobyCash & Downtown Dollars account balance when you graduate, withdraw or leave NIACCSUNY Cobleskill. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. b. Refunds are processed when: a. i. The accounts balance is $15.01 10.00 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. AND d. Refund Methods: a. i. Checks: Refund checks will be mailed to Your mailing address on file with the College, 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible You can using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an account holder makes an oral request, We may require You to that the account holder send the question in writing within 10 business days. We will make best efforts to complete tell You the results of Our investigation within 10 business days after We hear from You and will correct any error promptly. HoweverIf We need more time, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days decide to investigate a problemdo this, We will re-credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete Our investigation. If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Middlebury College Dining Services 00 Xxxxx Xxxxxxx Xx Mason CityMiddlebury, IA 50401VT, 05753 1. Refund To You: a. You may request a refund of your NIACC OneCard Middlebury College Dining Meal Plan account balance when you graduate, withdraw or leave NIACCMiddlebury College. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. iii. Student Xxxx: Refund will be posted as a credit to Your student billxxxx. c. iv. Credit Card: If a credit card was used to add value to NIACC OneCard Middlebury College Dining Meal Plan 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and Bequest to another Cardholder: a. You may be charged initiate a monthly Inactivity Feebequest when you graduate, withdraw or leave Middlebury College. If a NIACC OneCard 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 inactive and has zero value it will be closed$15.01 or more AND ii. A written refund request is submitted.

Error Resolution. If You think Your statement you suspect a payment has been made in error, telephone us at (000) 000-0000 or receipt is wrong or if You need more information about a transaction write us at the address listed on Your statement or receipt, please contact us above as soon as possible using the information in the Contact section of this agreementyou can. We must hear from You you no later than 60 days after We made available we sent the first electronic statement on which the problem or error appeared. When calling or notifying You should also contact the bank where you hold your Designated Account. Tell us You must: a. Include the account holder your name and account number b. Describe , describe the transaction in question error or the transfer you are unsure about, and explain as clearly as possible the discrepancy. c. Indicate you can why you believe it is an error. Tell us the dollar amount of the transactionsuspected error. If You make an oral requestyou tell us orally, We we may require You to that you send the us your complaint or question in writing within 10 business days. We will make best efforts to complete Our investigation determine whether an error occurred within 10 business days after We we hear from You you and will correct any error promptly. HoweverIf we need more time, We however, we may take up to 45 days to investigate the discrepancyyour complaint or question. If We take more than 10 days we decide to investigate a problemdo this, We we will re-credit the account holder’s your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If the account holder is asked we ask you to put the discrepancy your complaint or question in writing and We we do not receive it within 10 business days, We we may not re-credit the your account. We will tell you the results within three business days after completing our investigation. If We we decide that there was no error, We we will send You you a written explanation within three business days after We finish Our investigationexplanation. You may ask for copies of the documents that we used in the our investigation. Eligible refunds are processed upon request and IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES, INCLUDING FOR DELAY, NON- DELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY PAYMENT OR SERVICE TRANSACTION, BEYOND THE SUM OF $500.00. IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, ARISING FROM YOUR ACCESS TO, OR USE OF, THE PCB PAYMENT PORTAL. WE WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE PROPERLY TRANSMITTED THROUGH THE PCB PAYMENT PORTAL AND ACTUALLY RECEIVED BY US, AND DO NOT ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT UNDER OUR CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS. WE ARE NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING OUT OF THE USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY BROWSER OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS CONTROL. WE ARE NOT RESPONSIBLE SHOULD YOU PROVIDE INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROCESSING OF THE PAYMENT YOU REQUESTED. PCB does not charge you any monthly or payment transaction fees to use the PCB Payment Portal. You will be completed within 4-6 weeks of a written request. Refund requests must be submitted in writing to: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401 1. You may request a refund of your NIACC OneCard account balance when you graduate, withdraw or leave NIACC. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. 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 paying any amount you may owe other persons or misdirected mailcompanies related to the use of the PCB Payment Portal or any bank, debit card 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used Account linked to add value to NIACC OneCard your Account in 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closedPCB Payment Portal.

Error Resolution. If You think Your statement you suspect a payment has been made in error, telephone us at (000) 000-0000 or receipt is wrong or if You need more information about a transaction write us at the address listed on Your statement or receipt, please contact us above as soon as possible using the information in the Contact section of this agreementyou can. We must hear from You you no later than 60 days after We made available we sent the first electronic statement on which the problem or error appeared. When calling or notifying You should also contact the bank where you hold your Designated Account. Tell us You must: a. Include the account holder your name and account number b. Describe , describe the transaction in question error or the transfer you are unsure about, and explain as clearly as possible the discrepancy. c. Indicate you can why you believe it is an error. Tell us the dollar amount of the transactionsuspected error. If You make an oral requestyou tell us orally, We we may require You to that you send the us your complaint or question in writing within 10 business days. We will make best efforts to complete Our investigation determine whether an error occurred within 10 business days after We we hear from You you and will correct any error promptly. HoweverIf we need more time, We however, we may take up to 45 days to investigate the discrepancyyour complaint or question. If We take more than 10 days we decide to investigate a problemdo this, We we will re-credit the account holder’s your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If the account holder is asked we ask you to put the discrepancy your complaint or question in writing and We we do not receive it within 10 business days, We we may not re-credit the your account. We will tell you the results within three business days after completing our investigation. If We we decide that there was no error, We we will send You you a written explanation within three business days after We finish Our investigationexplanation. You may ask for copies of the documents that we used in the our investigation. Eligible refunds are processed upon request and IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES, INCLUDING FOR DELAY, NON- DELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY PAYMENT OR SERVICE TRANSACTION, BEYOND THE SUM OF $500.00. IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, ARISING FROM YOUR ACCESS TO, OR USE OF, THE RMP PAYMENT PORTAL. WE WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE PROPERLY TRANSMITTED THROUGH THE RMP PAYMENT PORTAL AND ACTUALLY RECEIVED BY US, AND DO NOT ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT UNDER OUR CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS. WE ARE NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING OUT OF THE USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY BROWSER OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS CONTROL. WE ARE NOT RESPONSIBLE SHOULD YOU PROVIDE INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROCESSING OF THE PAYMENT YOU REQUESTED. RMP does not charge you any monthly or payment transaction fees to use the RMP Payment Portal. You will be completed within 4-6 weeks of a written request. Refund requests must be submitted in writing to: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401 1. You may request a refund of your NIACC OneCard account balance when you graduate, withdraw or leave NIACC. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. 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 paying any amount you may owe other persons or misdirected mailcompanies related to the use of the RMP Payment Portal or any bank, debit card 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used Account linked to add value to NIACC OneCard your Account in 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closedRMP Payment Portal.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible You can using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an account holder makes an oral request, We may require You to that the account holder send the question in writing within 10 business days. We will make best efforts to complete tell You the results of Our investigation within 10 business days after We hear from You and will correct any error promptly. HoweverIf We need more time, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days decide to investigate a problemdo this, We will re-credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete Our investigation. If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in the investigation. Eligible refunds are processed upon request and will be completed within 4-6 weeks of a written email request. Refund requests must be submitted in writing to: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401to the Sweet Briar College Campus Card Service Center by emailing xxxxxx@xxxxxxxxxxxxxx.xxx. To You: 1. a. You may request a refund of your NIACC OneCard SweetCash account balance when you graduate, withdraw or leave NIACCSweet Briar College. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. Checks: Refund checks e. Refunds 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 Servicefile. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. In case of errors or questions about your electronic transfers, see Contact Plumas Bank on page 1. You are responsible to promptly review all statements and report any irregularities to Plumas Bank at once. If You you think Your your statement or receipt is wrong or if You you need more information about a transaction transfer listed on Your the statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We Plumas Bank must hear from You you no later than 60 days after We made available Plumas Bank sent the first electronic statement on which the problem or error appeared. When calling or notifying us You must: a. Include the account holder : (1) tell Plumas Bank your name and account number b. Describe , (2) describe the transaction in question error or the transfer you are unsure about, and explain as clearly as possible the discrepancy. c. Indicate you can why you believe it is an error or why you need more information, and (3) tell Plumas Bank the dollar amount of the transactionsuspected error. If You make an oral requestyou tell Plumas Bank orally, We Plumas Bank may require You to that you send the Plumas Bank your complaint or question in writing within 10 business days. We Plumas Bank will make best efforts to complete Our investigation determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after We hear Plumas Bank hears from You you and will correct any error promptly. HoweverIf Plumas Bank needs more time, We however, Plumas Bank 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 the discrepancyyour complaint or question. If We take more than 10 days Plumas Bank decides to investigate a problemdo this, We Plumas Bank will re-credit the account holder’s your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you have use of the money during the time it takes Plumas Bank to complete its investigation. If the account holder is asked Plumas Bank asks you to put the discrepancy your complaint or question in writing and We do Plumas Bank does not receive it within 10 business days, We Plumas Bank may not re-credit the your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. Plumas Bank will tell you the results within three business days after completing the investigation. If We decide that Plumas Bank decides there was no error, We Plumas Bank will send You you a written explanation within three business days after We finish Our investigationexplanation. You may ask for copies of the documents that Plumas Bank used in the investigation. Eligible refunds are processed upon request You have received and understand all signature card rules and regulations and all agreements and disclosures connected with the opening of accounts and acknowledge that this Agreement is in addition to any of these agreements and disclosures. You will continue to receive regular account statements that describe all transactions for the accounts including the transactions that you have initiated through the SERVICES. You acknowledge that any fees for the SERVICES will be completed within 4-6 weeks paid as disclosed on Plumas Bank’s Schedule of a written requestServices Fee and Charges. Refund requests must be submitted These fees are in writing to: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401 1addition to any fees and service charges currently being paid for any other Plumas Bank products and services used by the Account Holder. Any pricing or policy changes adopted by Plumas Bank in the future will constitute modifications or addendums to this Agreement but will not nullify it. You acknowledge that you may be asked to designate a payment account for selected services, such as Online Xxxx Pay, and authorize Plumas Bank to charge your account or any other account for the fees. You agree to pay any additional reasonable charges for services you request that are not covered by this Agreement. You are also responsible for telephone and internet service fees you incur in connection with your use of the SERVICES. You and your User(s) are responsible for obtaining, maintaining, and updating the necessary hardware and related equipment needed to utilize the SERVICES. As of the date of this Agreement, the necessary equipment includes: Personal Computer with Internet access and web browser with 128 bit encryption. To ensure your ability to view various features of the Plumas Bank’s web site, you understand it is your responsibility to update your web browser periodically so that the entire web site may be viewed. You agree to notify Plumas Bank immediately if you believe an unauthorized person knows your Login ID and/or PIN, or that someone has transferred or may transfer money from your account without your permission or if your Login ID and/or PIN have been lost or stolen. Telephoning is the best way of keeping your possible losses to a refund minimum. You understand that you could lose all the money in your account, plus your maximum overdraft line of credit. If you believe your Login ID and/or PIN have become known to an unauthorized person, lost or stolen, and you notify Plumas Bank within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your Login ID and/or PIN without your permission. If you do not notify Plumas Bank within 2 business days after you learn of the loss or theft of your NIACC OneCard account balance when Login ID and/or PIN, and Plumas Bank can prove it could have stopped someone from using your Login ID and/or PIN without your permission, you graduatecould lose as much as $500. Also, withdraw or leave NIACC. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee if your statement shows transfers that you did not make, you will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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 transactionPlumas Bank immediately. If You you do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar monthsnotify Plumas Bank within 60 days after the statement was delivered to you, you may not get back any money you lost after the Account will be considered inactive and You may be charged a monthly Inactivity Fee60 days if Plumas Bank can prove that it could have stopped someone from taking the money if you had told Plumas Bank in time. If a NIACC OneCard account is inactive and has zero value it good reason (such as a long trip or a hospital stay) kept you from notifying Plumas Bank, Plumas Bank will be closedextend the time periods. To report any unauthorized use of your Login ID and/or PIN or if they become lost or stolen, contact Plumas Bank (see Contact Plumas Bank on page 1).

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office Xxxxx College Student Accounts 000 X Xxxxxxx Xx Mason CityXxx Hartsville, IA 50401SC 29550 1. Refund To You: a. You may request a refund of your NIACC OneCard Xxxxx College Cobra Cash account balance when you graduate, withdraw or leave NIACCXxxxx College. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. iii. Student Xxxx: Refund will be posted as a credit to Your student billxxxx. c. iv. Credit Card: If a credit card was used to add value to NIACC OneCard Xxxxx College Cobra Cash 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office Gourmet Dining Services, 000 Xxxxxxx Xx Mason CityXxxxx Xxx, IA 50401Xxxx Xxxx Xxxxxx, XX 00000 1. Refund To You: a. You may request a refund of your NIACC OneCard Declining Balance account balance when you graduate, withdraw or leave NIACCMonmouth University. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. If You you think Your that an EFT shown on your statement or receipt is wrong incorrect, or if You you need more information about a transaction listed on Your statement or receiptan EFT, please contact us as soon as possible using at the telephone number listed under HOW TO CONTACT US at the end of this disclosure and in the Handbook. Please give us all the information requested under WHAT TO TELL US IN CASE OF ERROR OR INQUIRY at the end of this disclosure and in the Contact section of this agreementHandbook. We must hear from You you no later than 60 SIXTY days after We made available we sent you the first electronic FIRST statement on which the error or problem or error appeared. When calling or notifying If you tell us You must: a. Include the account holder name and account number b. Describe the transaction in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral requestorally, We we may require You to that you send the us your complaint or question in writing within 10 TEN business days. We will make best efforts to complete Our tell you the results of our investigation within 10 ten business days after We hear from You (twenty business days if you have a new account) and will correct any error promptly. HoweverIf we need more time, We however, we may take up to 45 forty-five days (ninety days for POS transactions, transactions involving foreign countries, or new accounts) to investigate the discrepancyinvestigate. If We take more than 10 days we decide to investigate a problemdo this, We we will re-provisionally credit the account holder’s your account within 10 ten business days (twenty days on new accounts) for the amount you think is in error so you will have use of the money during our investigation. If the your complaint or question involves unauthorized use of your VISA® Debit Card and your account holder is asked not new, we will provisionally credit your account within five business days. If we ask you to put the discrepancy your complaint or question in writing and We we do not receive it within 10 ten business days, We may we are not re-required to provisionally credit the your account. If We Whether or not we decide that there was no an error, We we will send You you a written explanation within three business days after We we finish Our our investigation. You may can ask for copies of the documents we used in the our investigation. Eligible refunds If we determine that there was an error, we will post any credit to which you are processed upon request entitled to your account, or change a previously-posted provisional credit to a permanent credit. If we determine there was no error entitling you to a credit, we will reverse any provisional credit and pay any overdrafts without charging an overdraft fee for five days after we sent you written notice that the credit has been reversed, but only to the extent the overdrafts are equal to or less than the provisional credit amount; overdrafts exceeding the provisional credit amount will be completed within 4-6 weeks of a written request. Refund requests must be submitted in writing to: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401 1subject to our normal fees. You may request a refund of your NIACC OneCard agree to immediately restore any negative account balance when you graduate, withdraw or leave NIACC. Proof of withdrawal or dismissal is requiredbalance. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. Refunds are processed when: a. The accounts balance is $15.01 or more AND b. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.

Error Resolution. If You think Your statement or receipt is wrong wrong, or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You You, and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, an error is detected We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the accounterror. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in the investigation. Eligible refunds are processed upon graduation, or withdrawal from SUNY Cobleskill. A completed refund request form must be submitted to the CobyCard office and eligible refunds will be completed within 4-6 weeks processed at the end of a written requestthe Spring semester in which the request is submitted. Refund requests must be submitted in writing to: NIACC Business Office CobyCard Campus Card Center 000 Xxxxxxx Xx Mason CityXxxxx Xxxx – Suffolk Circle Cobleskill, IA 50401NY 12043 1. Refund To You: a. You may request a refund of your NIACC OneCard CobyCash & Downtown Dollars account balance when you graduate, withdraw or leave NIACCSUNY Cobleskill. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. b. Refunds are processed when: a. i. The accounts balance is $15.01 10.00 or more AND b. ii. A written refund request is submitted 4. A $15.00 refund service fee will be deducted from the refund. 5. c. No refunds will be issued for amounts less than $1510 6. d. Refund Methods: a. i. Checks: Refund checks will be mailed to Your mailing address on file with the College, 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. If You think Your statement or receipt is wrong wrong, or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You You, and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, an error is detected We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the accounterror. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in the investigation. Eligible refunds are processed upon graduation, or withdrawal from SUNY Cobleskill. A completed refund request form must be submitted to the CobyCard office and eligible refunds will be completed within 4-6 weeks processed at the end of a written requestthe Spring semester in which the request is submitted. Refund requests must be submitted in writing toonline at: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401xxxx://xxxx.xxxxxxxxxx.xxx/cas/forms/ 1. Refund To You: a. You may request a refund of your NIACC OneCard CobyCash & Downtown Dollars account balance when you graduate, withdraw or leave NIACCSUNY Cobleskill. Proof of withdrawal or dismissal is required. 2. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund per year. 3. b. Refunds are processed when: a. i. The accounts balance is $15.01 10.00 or more AND b. ii. A written refund request is submittedsubmitted Online 4. A $15.00 refund service fee will be deducted from the refund. 5. c. No refunds will be issued for amounts less than $1510 6. d. Refund Methods: a. i. Checks: Refund checks will be mailed to Your mailing address on file with the College, 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.;

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible You can using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an account holder makes an oral request, We may require You to that the account holder send the question in writing within 10 business days. We will make best efforts to complete tell You the results of Our investigation within 10 business days after We hear from You and will correct any error promptly. HoweverIf We need more time, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days decide to investigate a problemdo this, We will re-credit the account holder’s account within 10 business days for the amount of the discrepancy, so that the account holder will have use of the value during the time it takes us to complete Our investigation. If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Xxxxxxx Xx Mason CityCampus Card Service Center PO Box 1305 Doylestown, IA 50401PA 18901-0117 1. To You: a. You may request a refund of your NIACC OneCard 1Card Cash account balance when you graduate, withdraw or leave NIACCFairleigh Xxxxxxxxx University. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 10.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 10.00 refund service fee will be deducted from the refund. 5. No refunds will be issued for amounts less than $15 6. Refund Methods: a. 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. b. Student Xxxx: Refund will be posted as a credit to Your student bill. c. Credit Card: If a credit card was used to add value to NIACC OneCard 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and You may be charged a monthly Inactivity Fee. If a NIACC OneCard account is inactive and has zero value it will be closed.10

Error Resolution. If You think Your statement or receipt is wrong or if You need more information about a transaction listed on Your statement or receipt, please contact us as soon as possible using the information in the Contact section of this agreement. We must hear from You no later than 60 days after We made available the first First electronic statement 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 in question and explain as clearly as possible the discrepancy. c. Indicate the dollar amount of the transaction. If You make an oral request, We may require You to send the question in writing within 10 business days. We will make best efforts to complete Our investigation within 10 business days after We hear from You and will correct any error promptly. However, We may take up to 45 days to investigate the discrepancy. If We take more than 10 days to investigate a problem, We will re-credit the account holder’s account within 10 business days for the amount of the If the account holder is asked to put the discrepancy in writing and We do not receive it within 10 business days, We may not re-credit the account. If We decide that there was no error, We will send You a written explanation within three business days after We finish Our investigation. You may ask for copies of the documents used in 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: NIACC Business Office 000 Xxxxxxx Xx Mason City, IA 50401Xxxx Xxxxx College Department to Approve Contact information 1. Refund To You: a. You may request a refund of your NIACC OneCard AMC DCB account balance when you graduate, withdraw or leave NIACCXxxx Xxxxx College. Proof of withdrawal or dismissal is required. 2. b. Refund requests from faculty and staff are accepted at any time but limited to a total of one refund 4 refunds per year. 3. c. Refunds are processed when: a. i. The accounts balance is $15.01 or more AND b. ii. A written refund request is submitted 4. d. A $15.00 refund service fee will be deducted from the refund. 5. e. No refunds will be issued for amounts less than $15 6. f. Refund Methods: a. 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. b. iii. Student Xxxx: Refund will be posted as a credit to Your student billxxxx. c. iv. Credit Card: If a credit card was used to add value to NIACC OneCard AMC DCB 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. If You do not use or re-load a NIACC OneCard account for eighteen (18) consecutive calendar months, the Account will be considered inactive and Bequest to another Cardholder: a. You may be charged initiate a monthly Inactivity Feebequest when you graduate, withdraw or leave Xxxx Xxxxx College. If a NIACC OneCard 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 inactive and has zero value it will be closed$15.01 or more AND ii. A written refund request is submitted.