Common use of Errors and Questions Clause in Contracts

Errors and Questions. In case of errors or questions about your electronic transfers, contact us immediately if you think your periodic statement is wrong or if you need more information about a transfer. We must hear from you no later than sixty (60) days after the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell us the following: • Your name and account number (if any). • Describe the error, payment, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or and questions about your electronic transfers, you should contact us immediately if as soon as possible. If you think that your periodic statement is wrong or if you need more information about a transfer. We transfer listed on the statement, you must hear from you notify us no later than sixty (60) days after we sent the FIRST periodic first statement was made available to you on which the problem or error appeared. You will need to tell • Tell us the following: • Your your name and account number (if any). • Describe the error, payment, error or the transfer you are unsure about, about and explain as clearly as you can why you believe it there is an error or why you need more information. • The Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you to send us the your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-foreign- initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. If you experience a problem or have a question about transactions completed using Internet Banking Services please call us at: 000-000-0000; 000-000-0000 Or Write us at: Xxxx County FCU 0000 Xxxxxxxx Xxxx Kerrville, TX 78028 The full disclosure for the investigationerror resolution procedures concerning electronic transfers is provided to you in the account brochures provided to you when you opened your account and mailed annually thereafter.

Errors and Questions. In case of errors or questions about your electronic transfers, contact call or write us immediately at the telephone number or address shown below, as soon as you can, if you think your periodic statement or receipt is wrong or if you need more information about a transfertransfer listed on the statement or receipt. We must hear from you no later than sixty (60) 60 days after we sent the FIRST periodic statement was made available to you on which the problem or error appeared. 1. You will need to tell Tell us the following: • Your your name and account number (if any). 2. • Describe the error, payment, error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information. 3. • The Tell us the dollar amount of the suspected error. 4. If you tell us orally, we may require that you to send us the your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten 10 business days, (10) 5 business days for point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and you. We will then correct any error promptly. If we need more time, however, we may take up to forty45 calendar days, (90 days if the transfer involved a new account, a point-five (45of-sale transaction or a foreign-initiated transfer) days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten 10 business days, (10) 5 business days for point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question questions in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving new accounts, We may withhold provisional credit for point-of-sale, or foreign-initiated sale transactions, we may take up to ninety (90) days to investigate the extent allowed under applicable law, if the delay is warranted by the circumstances or your complaint or questionaccount history. For Your account is considered a new accounts, we may take up to twenty (20) business days to credit your account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results of our investigation within three (3) 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.. Write us at: American Bank Attention: Customer Service 0000 X. Xxxxxxxx Street Allentown, PA 18104 Call us at: 000.000.0000 or toll-free 888.366.6622 Business Days: Monday through Friday, excluding federal holidays 8:00 a.m. to 5:00 p.m. (ET)

Errors and Questions. In case of errors or and questions about your electronic transfers, you should contact us immediately if as soon as possible. If you think that your periodic statement is wrong or if you need more information about a transfer. We transfer listed on the statement, you must hear from you notify us no later than sixty (60) days after we sent the FIRST periodic first statement was made available to you on which the problem or error appeared. You will need to tell • Tell us the following: • Your your name and account number (if any). • Describe the error, payment, error or the transfer you are unsure about, about and explain as clearly as you can why you believe it there is an error or why you need more information. • The Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you to send us the your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-foreign- initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. If you experience a problem or have a question about transactions completed using Internet Banking Services please call us at: 000-000-0000 Or Write us at: Xxxx County FCU 0000 Xxxxxxxx Xxxx Xxxxxxxxx, XX 00000 The full disclosure for the investigationerror resolution procedures concerning electronic transfers is provided to you in the account brochures provided to you when you opened your account and mailed annually thereafter.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact telephone us immediately at (000) 000-0000, 8 a.m.-5 p.m. (Central Time), Monday through Friday, or write us at: Waypoint Bank XX Xxx 0 Xxxxx, XX 00000 as soon as you can, if you think your periodic statement or receipt is wrong or if you need more information Information about a transfertransaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell to: a. Tell us the following: • Your your name and account Account number (if any). • ; b. Describe the error, payment, error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and c. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require you to send us the your complaint or question in writing within ten (10) business daysdays following the date you notified us. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we determine there was no error, we may take up to ninety (90) days to investigate your complaint or question. For new accountswill reverse the previously credited amount, if any, and we may take up to twenty (20) business days to credit your account for the amount will send you think is in error. We will tell you the results a written explanation within three (3) business days after completing we finish our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should as soon as possible notify Administrator via one of the following: W Telephone us immediately if at 000 000-0000 during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations 000 Xxxxxx Xxxxxx 0xx Xxxxx AIM 199-3517 Xxxxxxxxxxxx, XX 00000 If you think your periodic account statement is wrong incorrect or if you need more information about a transfer. We BillSuite Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: W Tell us the following: • Your your name and account number (if any). • number; W Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. • The ; and W Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in errorPayment Account. We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: • Telephone us at (000)000-XXXX during regular business hours. • Write to us at Relyance Bank Attn: E-Banking, 0000 Xxxxxxxx Xxxx, Xxxxx Xxxx, XX 00000 or • Contact us by using the secure messaging feature within the Service. If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your name your name, relevant Service account number(s), and account number (if any)User ID. 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfersregarding Online Banking or any of its Services, contact us immediately if you think your periodic statement is wrong may call Silvergate Bank at 800‐ 595‐5856, or if you need more information about write a transfer. letter and send it to: Silvergate Bank Attention: Central Operations 0000 Xxxxxxxxx Xxxxxx, Xxxxx 000 Xx Xxxxx, XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: •  Your name and account number (if any)number. • Describe  A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. •  The dollar amount of the suspected error.  The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to forty-five forty‐five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accountsIf your notice of error concerns a transaction that occurred during the first thirty (30) days after the first deposit to the account was made, point-of-sale, or foreign-initiated transactions, we may take up to the applicable time periods are twenty (20) Business Days instead of ten (10) Business Days and ninety (90) calendar days to investigate your complaint or question. For new accounts, we may take up to twenty instead of forty‐five (2045) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationcalendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days after the Bank’s decision on the matter. You may request copies of the documents that were used in the investigation. You agree that we may respond to you by e‐mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Silvergate Bank shall be considered received within three (3) Business Days of the date sent by Silvergate Bank, regardless of whether or not you sign on to the System within that time frame.

Errors and Questions. In case of errors or questions about your electronic transfers, contact us immediately if you think your periodic statement is wrong or if you need more information about a transfer. .. We must hear from you no later than sixty (60) days after the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell us the following: •  Your name and account number (if any). •  Describe the error, payment, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods:  Telephone us at [FI number] during customer service hours;  Contact us by using the secure messaging feature within the Service; or  Write to us at [FI address] If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your name your name, relevant Service account number(s), and account number (if any)Access ID; 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and, 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verb al notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Online Bill Payment transaction, contact us immediately if you think your periodic statement is wrong may call Security Federal Savings Bank at 000-000-0000, or if you need more information about write a transfer. letter and send it to: Security Federal Savings Bank Attention: Customer Service 000 Xxxxx Xxxxxx Xxxxxx, XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • * Your name and account number (if any)number. • Describe * A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • * The dollar amount of the suspected error. * The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate If your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three (3) business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that Security Federal Savings Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Security Federal Savings Bank shall be considered received within three (3) Business Days of the date sent by Security Federal Savings Bank, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking transaction, contact us immediately if you think your periodic statement is wrong may call Millbury Federal Credit Union at 000-000-0000, or if write a letter and send it to: For errors or questions regarding Online Banking Bill Pay payments, you need more information about a transfermay call CheckFree Customer Service at 000-000-0000. We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • Your name and account number (if any)number. • Describe A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • The dollar amount of the suspected error. • The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate If your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three (3) business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that Millbury Federal Credit Union may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Millbury Federal Credit Union shall be considered received within three (3) Business Days of the date sent by Millbury Federal Credit Union, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case cases of errors or questions about your electronic transfersconcerning transactions completed with the Tioga State Bank, contact N.A. Mobile Banking or any Service of Tioga State Bank, N.A. Online Banking, do one of the following, as soon as possible: Telephone us immediately if you think your periodic statement is wrong or if you need more information about a transferat: 000-000-0000, Write to: Tioga State Bank, N.A., 0 X. Xxxx Xxxxxx, XX Xxx 000, Xxxxxxx, XX 00000-0000, OR E-mail us via the secure e-mail provided within Tioga State Bank, N.A. Online. We must hear from you no later than sixty (60) days after the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell Please provide us the followingfollowing information: • Your name and account number (if any). • Describe Name, Address, Tioga State Bank, N.A. Account Number & Online ID, Description of the error, payment, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount Amount of the suspected error. For Bill Payment errors tell us: Checking account number used to pay the bill, Payee name, Date payment was sent, Confirmation number, Payment amount, Payee account number for the payment in question. CONSUMER DEPOSIT ACCOUNTS NOTICE OF ERROR RESOLUTION If you tell us orally, we may require that you to send us the your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. CONSUMER LINE OF CREDIT ACCOUNTS NOTICE OF ERROR RESOLUTION • You must contact us within 60 days after the investigation.error appeared on your statement. • You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. • While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. COMMERCIAL/MUNICIPAL CUSTOMERS

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Bill Payment transactions, contact us immediately if you think your periodic statement is wrong may call Bay Bank at (000) 000-0000, or if you need more information about send a transfer. letter to: Bay Bank Attention: Bookkeeping P. O. Box 10855 Green Bay, WI 54307 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • Your name and account number (if any)number. • Describe A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within ten (10) business days• The date on which it occurred. We will determine whether an error occurred within ten (10) business days Business Days after we hear from you and will correct any error promptly. If we need more timetime is needed, however, we may take up to forty-five (45) days to investigate a your complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate If your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three (3) business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that Bay Bank may respond to you by email with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Bay Bank shall be considered received within three (3) Business Days of the date sent by Bay Bank, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone us at (000) 000-0000 any time from 8:00 a.m. to 4:00 p.m. Monday through Thursday or 8:00 a.m. to 5:30 p.m. on Friday, or 8:00 a.m. to 12:00 noon on Saturdays or contact us immediately at: Bank of Stronghurst 000 X. Xxxx, X.X. Xxx 000 Xxxxxxxxxxx, XX 00000 as soon as you can, if you think your periodic statement or receipt is wrong or if you need more information about a transfertransaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to to: a. tell us the following: • Your your name and account Account number (if any). • Describe ; b. describe the error, payment, error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and c. tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require you to send us the your complaint or question in writing within ten (10) business daysdays following the date you notified us. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we determine there was no error, we may take up to ninety (90) days to investigate your complaint or question. For new accountswill reverse the previously credited amount, if any, and we may take up to twenty (20) business days to credit your account for the amount will send you think is in error. We will tell you the results a written explanation within three (3) business days after completing we finish our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors error or questions about your electronic transfers, contact you should: for Home Banking Users, call: 000-0000 option 0 or 1-800-543-5000 option 0. For Xxxx Payment Users, call: 000-0000 option 0 or 1-800-543-5000 option 0. Initiate a Payment Inquiry on your PC or call us immediately by telephone as soon as you can if you think that your periodic statement is wrong or if you need more information about a transfertransfer listed on your statement or appearing on the Account Statement screen of your PC. We must hear from you no later than sixty (60) days after you received the FIRST periodic statement was made available to you on or PC notification in which the problem or error appeared. You will need to tell . a) Tell us the following: • Your your name and account number (if any). • Account number. b) Describe the error, payment, error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The . c) Tell us the dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a your complaint or questionquestions. If we decide to do this, we will provisionally re-credit your account Account within ten (10) business 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 investigationinvestigations. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business BUSINESS days, we may not re-credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationAccount. If we decide that there was no error, we will send you a written explanationexplanation within three (3) BUSINESS days after we finish our investigation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. a. In case of errors or questions about your electronic transferstransactions, contact you should as soon as possible notify us immediately if via one of the following: i. Contact Us at 000.000.0000 or 000.000.0000 ii. Contact Us by using the Application’s e-messaging feature; and/or, iii. Write Us at: Bell Bank P.O. Box 10877 Fargo, ND 58106-0877 b. If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We Service transaction listed on the periodic statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: i. Tell us the following: • Your your name and account number (if any)Account Number; ii. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and, iii. • The Tell us the dollar amount of the suspected error. . c. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred within ten (10) 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) days to investigate a your complaint or question. If we decide to do this, we will credit your account Account within ten (10) 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your accountAccount. For errors involving Your account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersyou think there has been an error concerning the Services, you should contact us immediately if you think your periodic statement is wrong at 804-843- 2520 or if you need more information about a transfertoll-free 000-000-0000 or write to us at Baylands Family Credit Union, P O Box 000 Xxxx Xxxxx, XX 00000. We must hear from you no later than sixty (60) within 60 calendar days after we have sent the FIRST periodic first paper or electronic monthly statement was made available to you on which the problem or error first appeared. You If you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to tell us know the followingfollowing for all errors: •  Your name and account number (if any)number. • Describe  A description of the error, payment, error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. •  The dollar amount of the suspected error.  For a Bill Pay issue - the checking account number used to pay the bill, payee name, date payment was scheduled, payment amount, reference number and payee account number. If you tell us orally, we may require that you to send us the your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) * days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. If you need more information about our error resolution procedures, call us at 000-000-0000 or toll-free 000-000-0000. * If you give notice of an error within 30 days after you make the investigationfirst deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate.

Errors and Questions. In case of errors or questions about concerning electronic transfers to or from your electronic transfersTransfer Account, contact call us immediately at (000) 000-0000, or write to us at The Berkshire Bank, Operations Department, 0 Xxxxxxxx, Xxx Xxxx, Xxx Xxxx 00000, as soon as you can, if you think your periodic statement is wrong or if you need more information about a transferany Transfer. We must hear from When you no later than sixty call or write: (601) days after the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell us the following: • Your your name and the account number of your Transfer Account; (if any). • Describe 2) describe the error, payment, error or the transfer Transfer you are unsure uncertain about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and (3) tell us the dollar amount of the suspected error. This means that if our investigation reveals that an error did not occur or that your dispute is invalid, then we can withdraw the amount that we provisionally credited to your account. If your claim is partially valid, then we can withdraw any amount in excess of the amount of the valid claim. In case of errors or questions about your electronic transfers that appear on any of your External Account statements, please contact the financial institutions that provided such statements to you tell in accordance with the terms and conditions of your External Account. For non-personal accounts, you acknowledge that the error resolution and liability provisions applicable to consumers and consumer accounts contained in our Account Agreement and Disclosures and on the back of periodic statements or other documents that you may receive from us orallydo not apply to non-consumer accounts (i.e., we may require business or non-personal accounts). You agree to examine and reconcile your online banking or periodic statements that will record Transfers in a timely manner. The owners of non-consumer accounts must notify us immediately if they discover any unauthorized transactions or errors, at the address and telephone number listed above, as soon as you to send us the complaint can, if you think that your statement is wrong or question in writing within ten (10) business daysyou need more information about any transaction. We will determine whether an error occurred within ten (10) business days after not be liable for any errors or losses you sustain by any Transfer, except where we hear from you fail to exercise ordinary care in processing any transaction. Our liability in any case shall be reduced by any amount which, even with the exercise of ordinary care, would have been lost, and will our obligation to correct any error promptly. If we need more time, however, we may take up errors or omissions will be limited to forty-five (45) days using commercially reasonable efforts to investigate a complaint or question. If we decide to do this, we will credit your account within ten (10) business days for correct the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanationtransaction. You may request copies acknowledge that since your Transfer Account is a non-consumer account, you are required to notify us within 24 hours of the documents any unauthorized Transfers from your Transfer Account, and acknowledge that were used in the investigationany Transfers to or from your Transfer Account are presumed to be authorized by you. Failure to notify us within such a time period will forever preclude you from asserting against us that a Transfer from your Transfer Account was unauthorized.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Services, contact or transaction, notify us immediately if by contacting us in the manner provided in Section 8 of this Agreement. You agree that the time you think have to examine your periodic statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 60 days from when the statement is wrong first sent or if you need more information about a transfermade available to you. We Furthermore, we must hear from you at the specified telephone number or address no later than sixty (60) 60 days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • ● Your name and account number (if any)number. • Describe ● A description of the error, payment, error or the transfer you are unsure about, in question and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • ● The dollar amount of the suspected errorerror and date on which it occurred. If you tell us your report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days after we hear from you BusinessDays and will correct any error promptly. If we need more timetime is needed, however, we may take up to forty-five (45) 45 days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days, we may not credit your accountaccount until the investigation is completed. For errors involving new accountsIf an alleged error involves an electronic funds transfer during the first thirty (30) Days after the first deposit to the account was made, point-of-sale, or foreign-initiated transactions, we may take up to the applicable time periods for action by us are twenty (20) Business Days (instead of 10) and ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in errorinstead of 45). We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, the investigation and we will send you a written explanationexplanation if we determine that there was no error. You may request copies of the documents that were used in the investigation. You agree that we may respond to you by e-mail with regard to any claim of unauthorized electronic funds transfer related to the Service. Any such electronic mail sent to you by us shall be considered received within three (3) days of the date sent by us, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transfersYour transactions, contact us immediately if you You should as soon as possible notify Administrator via one of the following: • Telephone Us at (000) 000-0000 during customer service hours; and/or, • Write Us at: BNY Mellon Investment Servicing Trust Company BTS Operations 000 Xxxxxx Xxxxxx 0xx Xxxxx AIM 199-3517 Xxxxxxxxxxxx, XX 00000 If You think your periodic Your Account statement is wrong incorrect or if you You need more information about a transfer. BillSuite Service transaction listed on the statement, We must hear from you You no later than sixty (60) days after the FIRST periodic statement was made available sent to you You on which the problem or error appearedappears. You will need to tell us the followingmust: • Tell Us Your name and account number (if any). Account number; • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you You believe it is an error or why you You need more information. ; and, • The Tell Us the dollar amount of the suspected error. If you You tell us orallyUs verbally, we We may require you to that You send us the Your complaint or question in writing within ten (10) business daysBusiness Days after Your verbal notification. We will determine whether an error occurred tell You the results of Our investigation within ten (10) business days Business Days after we We hear from you You, and will correct any error promptly. If we need However, if We require more timetime to confirm the nature of Your complaint or question, however, we may We reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete Our investigation. If we We decide to do this, we We will provisionally credit your account Your Payment Account within ten (10) business days Business Days for the amount you You think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we We ask you You to put your submit Your complaint or question in writing and we We do not receive it within ten (10) business daysBusiness Days, we We may not provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in errorYour Payment Account. We will tell you You the results within three (3) business days Business Days after completing our Our investigation. If we We decide that there was no error, we We will send you You a written explanation. You may request ask for copies of the documents that were used in the Our investigation. The BillSuite Service Provider may revoke any provisional credit provided to You if We find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: • Telephone us at 000-000-0000 during customer service hours. • Contact us by using the secure messaging feature within the Service. • Write to us at 000 Xxxxx Xxxxxx, Elkins, WV 26241. If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell us the followingmust: • Your name and Tell us your name, relevant Service account number (if anynumber(s). ; • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. ; and, • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur. If after revocation of the investigationprovisional credit your account is in a negative position it shall be your responsibility to immediately bring the account to a positive position.

Errors and Questions. In case of errors If you have questions or questions think there has been an error about your electronic transfersfunds transfers or bill payments made through the Services, you should contact us immediately if you think your periodic statement is wrong at (000) 000-0000 or if you need more information about a transfer(000) 000-0000. We must hear from you no later than sixty (60) 60 days after we have sent the FIRST periodic first paper or electronic monthly statement was made available to you on which the problem or error appeared. You will If you notify us verbally, we may require that you send us your complaint or question in writing within ten business days. We are going to need to tell us know the following: • Your name and account number (if any)number. • Describe A description of the error, payment, error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. • The dollar amount of the suspected error. If you tell us orally• For a bill payment issue, we may require you the checking account number used to send us pay the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you bill, payee name, date the payment was scheduled, payment amount, reference number, and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a complaint or question. If we decide to do this, we will credit your payee account within ten (10) business days number for the amount you think is payment in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within three (3) business days a reasonable time after completing our investigationwe hear from you, and we will correct any error. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements in either paper or electronic format. If we decide that there was you agree to receive your account statements electronically, paper statements will no errorlonger be mailed to you. Your choice of notification format will apply to all sub-accounts (e.g., we S1, L1, etc.) under your unique membership account number. Your notification will send you a written explanationNOT apply to credit card statements. You may request copies obtain a paper copy of any transaction documentation you may require through OUCU Financial Online Banking access or by calling OUCU Financial at (000) 000-0000. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financial. We will notify you at your electronic address of the documents availability of monthly statements, new disclosure material, and any changes in hardware or software that were used may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the investigation.Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should as soon as possible notify us immediately if via one of the following: a. Telephone us at (000) 000-0000 during business hours b. Contact us during business hours using our online chat service at: xxxxx://xxxxxxxxx.xxx/ c. Send us a secure message by logging in to online banking d. Write us at: United Federal Credit Union PO Box 125 Saint Xxxxxx, MI 49085 If you think your periodic account statement is wrong incorrect or if you need more information about a transfer. We Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic first statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your your name and account number (if any)member number; 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and, 3. • The Tell us the dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: Telephone us at :(000) 000-0000 Write to us at : PO Box 459, Ottoville OH 45876 Contact us by using the secure messaging feature within the Service. You can also send us an email xxxxxxxxxxxxxxx@xxxxxxxxxxxxx.xxx but this is not a secure email address; so please do not include any confidential or personal information when using this address. If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Bill Pay transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your name your name, Service account number(s), and account number (if any)Username; 2. • Describe the error, payment, error or the transfer you are unsure about, transaction in question and explain as clearly as you can possible why you believe it is an error or why you need more information; and 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case Case of errors Errors or questions about your electronic transfersQuestions Regarding a BEACON Online Banking or Xxxx Payment Transaction, contact call Beacon Business Bank at one of our branch locations San Xxxxxxxxx Xxxxxx: (000) 000-0000 Peninsula Branch: (000) 000-0000 East Bay Branch: (000)000-0000 Or write us immediately at: as soon as you can, if you think your periodic statement is wrong or if you need more information about a transfertransfer listed on the statement. We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: •  Your name and account number (if any)number. • Describe  A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more timetime is needed, however, we may take up to forty-five (45) days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving If an alleged error involves a new accountsaccount, point-of-sale, or foreign-initiated transactionstransfer, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide determine that there was no errorerror occurred, we will send you a written explanation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Online Xxxx Payment transaction, contact us immediately if you think your periodic statement is wrong may call Winchester Savings Bank at 781‐729‐2130, or if you need more information about write a transfer. letter and send it to: Winchester Savings Bank Attention: Deposit Operations 000 Xxxx Xx Xxxxxxxxxx, XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • * Your name and account number (if any)number. • Describe * A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • * The dollar amount of the suspected error. * The date on which it occurred. If you tell the report is made to us orally, we may require that you to send us the complaint or question in writing within ten (10) business days)** Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days )** Business Days after you contact us and we hear from you and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to forty-five forty‐five (45) )** calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business days)** Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate ** If your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three (3) business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determine that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that Winchester Savings Bank may respond to you by email with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Winchester Savings Bank shall be considered received within three (3) Business Days of the date sent by Winchester Savings Bank, regardless of whether or not you sign on to the Service within that time frame. We will use the email address that appears in our records. If you change your email address, you are responsible for providing us with your new email address. Winchester Savings Bank will be responsible for acting only on those instructions sent through Online Banking that are actually received, and cannot assume responsibility for circumstances over which we have no direct control. This includes but is not limited to, the failure of or malfunctions in communication facilities which may affect the accuracy or timeliness of messages you send. Winchester Savings Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service. Any information you receive from Winchester Savings Bank is believed to be reliable. However, it can only be provided on a best‐efforts basis for your convenience and is not guaranteed. Winchester Savings Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information. Winchester Savings Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking and making online xxxx payments. Winchester Savings Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Winchester Savings Bank's liability shall be as expressly set forth herein. Under no circumstances will Winchester Savings Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable, and whether or not we have been informed of the possibility of such damages. By consenting to use the Services, you agree to waive any and all rights to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein. Winchester Savings Bank will be responsible for your losses, as allowed by law, if they were directly caused by our failure to complete or cancel an Electronic Funds Transfer as properly requested by you. However, we will NOT be responsible for your losses if: * through no fault of Winchester Savings Bank, you do not have enough money in your account to make the transfer. * through no fault of Winchester Savings Bank, the transaction would have caused you to exceed your available credit. * circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. * there is a hold on your account, or if access to your account is blocked in accordance with bank policy. * your funds are subject to legal process or other encumbrance restricting the transfer. * your transfer authorization terminates by operation of law. * you believe someone has accessed your accounts without your permission and you fail to notify Winchester Savings Bank immediately. * you have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the payee refuses the payment. * if any payee fails to correctly account for or credit the payment in a timely manner. * we have received incomplete or inaccurate information from you or a third party involving the account or transfer. * the payee's address or account number changes and you do not provide timely notice to us of the change. * we have a reasonable basis for believing that unauthorized use of your Password or Account has occurred or may be occurring, or if you default under this Agreement, any applicable deposit account agreement, credit agreement, or any other agreement with us, or if we or you terminate this Agreement. There may be other exceptions stated in this Agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages, even if we are informed of the possibility of such damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. If you send Winchester Savings Bank an electronic mail message through the Service, Winchester Savings Bank will be deemed to have received it on the following Business Day. Emails will be answered within a reasonable timeframe. You should not rely on electronic mail if you need to communicate with Winchester Savings Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur). You agree that Winchester Savings Bank may respond to you by electronic mail with regard to any matter related to the Services, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Winchester Savings Bank shall be considered received within three (3) days of the date sent by Winchester Savings Bank, regardless of whether or not you sign on to the Service or check your emails within that time frame. Online Banking alerts allow you to set up automated alert events based on criteria you select. Alerts may be sent via email or in an online message within Online Banking, or both. Email alerts will be sent to the email address you provide in creating the alert. If you change your email address, you are responsible for updating the alerts you have already set up with your new email address. You agree that:  We may add or remove types of alerts from time to time.  Alerts may be delayed or prevented for a variety of reasons beyond our control and we cannot guarantee the delivery or validity of the contents of any alert.  You agree that we shall not be liable for any delays, delivery failure or misdirected delivery of any alert, or for any actions taken or not taken by you or anyone else in reliance on an alert.  The Bank will never include your password or full account number in an email alert; however, alerts may include your name and some information about your accounts.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: • Telephone us at (000) 000-0000 during customer service hours; • Contact us by using the secure messaging feature within the Service; or • Write to us at 000 Xxx. 00 Xxxx, X.X. Drawer F, Bastrop, Texas 78602 If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears.(Please refer to account-opening documents for all further EFT transactions.) You must: 1. You will need to tell Tell us the following: • Your name your name, relevant Service account number(s) and account number (if any)Username; 2. • Describe the error, payment, error or the transfer you are unsure about, transaction in question and explain as clearly as you can possible why you believe it is an error or why you need more informationinformation and; 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate complete our investigation (90 days if the transfer involved a complaint new account, a POS transaction, or questiona foreign-initiated transfer). If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: • Telephone us at (000)000-XXXX during regular business hours. • Write to us at Relyance Bank Attn: E-Banking, 0000 Xxxxxxxx Xxxx, Xxxxx Xxxx, XX 00000 or • Contact us by using the Secure Messaging feature within the Service. If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your name your name, relevant Service account number(s), and account number (if any)User ID. 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. (The following error resolution guidelines are provided through CheckFree Services Corporation, a division of Fiserv.) In case of errors or questions about your electronic transferstransactions, contact you should as soon as possible notify us immediately if via one of the following: a. Telephone us at 000-000-0000 (locally) or 000-000-0000 during customer service hours; b. Contact us by emailing us at xxxx@xxxxxx.xxx; and/or, c. Write us at: Redstone Federal Credit Union Attn: Member Support Service 000 Xxxx Xx. NW Huntsville, AL 35893 If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: a. Tell us the following: • Your your name and Service account number (if any). • number; b. Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. • The ; and, c. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provi- sionally credit your accountPayment Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, If it is determined there was no error we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount will mail you think is in error. We will tell you the results a written explanation within three (3) business days Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact telephone us immediately at (000) 000-0000, 8 a.m.-5 p.m. (Central Time), Monday through Friday, or write us at: Waypoint Bank XX Xxx 0 Xxxxx, NE 69130 as soon as you can, if you think your periodic statement or receipt is wrong or if you need more information Information about a transfertransaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell to: a. Tell us the following: • Your your name and account Account number (if any). • ; b. Describe the error, payment, error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and c. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require you to send us the your complaint or question in writing within ten (10) business daysdays following the date you notified us. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we determine there was no error, we may take up to ninety (90) days to investigate your complaint or question. For new accountswill reverse the previously credited amount, if any, and we may take up to twenty (20) business days to credit your account for the amount will send you think is in error. We will tell you the results a written explanation within three (3) business days after completing we finish our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: • Telephone us (000) 000-0000 during customer service hours; • Contact us by using the secure messaging feature within the Service; or • Write to us at Attention: Central Services, 00000 Xx Xxxxxx Xxxx, Xxxxx 000, Xxx Xxxxx, XX 00000 If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Xxxx Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your name your name, relevant Service account number(s), and account number (if any)Username; 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and, 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact telephone us immediately at (000) 000-0000, 8 a.m.-5 p.m. (CST), Monday through Friday, or write us at: Bank of The Valley X.X. Xxx 0 Xxxxxxxx, XX 00000 as soon as you can, if you think your periodic statement or receipt is wrong or if you need more information about a transfertransaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to to a. tell us the following: • Your your name and account Account number (if any). • Describe ; b. describe the error, payment, error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and c. tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require you to send us the your complaint or question in writing within ten (10) business daysdays following the date you notified us. We will determine whether an error occurred within ten (10) business days, (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we determine there was no error, we may take up to ninety (90) days to investigate your complaint or question. For new accountswill reverse the previously credited amount, if any, and we may take up to twenty (20) business days to credit your account for the amount will send you think is in error. We will tell you the results a written explanation within three (3) business days after completing we finish our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: -Telephone us at (000) 000-0000 during customer service hours; -Contact us by using the secure messaging feature within the Service; or -Write to us at 000 Xxx. 00 Xxxx, X.X. Drawer F, Bastrop, Texas 78602 If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears.(Please refer to account-opening documents for all further EFT transactions.) You must: 1. You will need to tell Tell us the following: • Your name your name, relevant Service account number(s) and account number (if any)Username; 2. • Describe the error, payment, error or the transfer you are unsure about, transaction in question and explain as clearly as you can possible why you believe it is an error or why you need more informationinformation and; 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate complete our investigation (90 days if the transfer involved a complaint new account, a POS transaction, or questiona foreign-initiated transfer). If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: • Telephone us at 000-000-0000 during customer service hours; • Contact us by using the secure messaging feature within the Service; or • Write to us at Farmers National Bank, Attn: Customer Contact Center, 000 X. Xxxx Xxxxxx, Xxxxxxxx, XX 00000 If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your name your name, relevant Service account number(s), and account number (if any)Access ID; 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and, 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfers, contact us immediately if you think your periodic statement is wrong or if you need more information about a transfer. .. We must hear from you no later than sixty (60) days after the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell us the following: • Your name and account number (if any). • Describe the error, payment, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation. Electronic Check Conversion‌‌‌ You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: (i) pay for purchases; and (ii) pay bills.

Errors and Questions. In case of errors or questions about your electronic transfers, contact you should: a. Telephone your local Buckeye State Credit Union branch during regular business hours at: 1. Akron: 000-000-0000 2. Alliance: 000-000-0000 3. Canton: 000-000-0000 4. Painesville: 000-000-0000 5. Ashtabula: 000-000-0000 b. Write us immediately if you think your periodic statement is wrong or if you need more information about a transfer. at: Buckeye State Credit Union, Electronic Services Dept, and PO BOX 848, AKRON, OH 44309 c. Contact us via email at xxxx@xxxxxxxxx.xxx We must hear from you no later than sixty (60) days after you received the FIRST periodic statement was made available to you on which the problem or error appearedfirst appeared or you first received notification of the problem or error on your home computer. You will need Please provide the following information and include in all your correspondence to tell us the following: • us: a. Your name and account number (if any). • Describe number. b. The date the error, payment, error occurred and any associated transaction numbers. c. Description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error and / or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require that you to send us the your complaint or question in writing within ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within ten twenty (1020) business days after we hear from you and will correct any error promptly. If we need more time, ; however, we may take up to forty-forty- five (45) days to investigate a your complaint or question. If IF we decide to do this, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten twenty (1020) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may request ask for copies of the documents that were we used in our investigation. If your alleged error or question relates to a transfer that resulted in an advance on any of your BSCU Lines of Credit, after we hear from you, we cannot try to collect on that advance or any associated advance on any of your BSCU Lines of Credit you question, or report any of your lines of credit as delinquent until the investigationerror/dispute is resolved. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned advance on your associated BSCU Line of Credit while we are investigating the questioned item, but you are still obligated to pay the advances that are not in question. If we find that we made a mistake, you will not have to pay any finance charges related to the questioned advance(s). If we did not make a mistake, you may be obligated to pay finance charges, and you will have to make up any missed payments on the questioned advance(s). In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we have determined you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And we must tell you the name of anyone we reported you to. We must tell anyone we report you to when the matter between us has finally been settled.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods:  Telephone us at (000) 000-0000 during customer service hours;  Contact us by using the secure messaging feature within the Service; or  Write to us at Bank of the Bluegrass & Trust Co., 000 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000 If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Xxxx Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must:  Tell us the following: • Your name your name, relevant Service account number(s), and account number (if any). • User Name;  Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. • The ; and,  Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case Case of errors Errors or questions about Questions About your electronic transfersElectronic Transfers, contact Call or Write to us immediately at the telephone number or address listed below, as soon as you can, if you think your periodic statement is wrong or if you need more information about a transfertransfer or payment listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell Tell us the following: • Your your name and account number (if any)number. • Describe the error, payment, error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information. • The Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you to send us the your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days (20 business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days for new accounts or point- of-five (45sale or foreign-initiated transfers) days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days (20 business days for new accounts) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving An account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for 30 days after the amount first deposit is made, if you think is in errorare a new customer. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. First National Bank of Xxxxxxxx 000 X. Xxxxxx / P O Box 269 Giddings TX 78942‌ We will disclose information to third parties about your account or the investigation.transactions you make:

Errors and Questions. In case of errors or questions about your electronic transferstransfers or payments, you should contact us immediately at any time, seven days a week, or write us as soon as you can, at the address or phone number set forth in Section 3 if you think that your periodic statement is wrong or if you need more information about a transfertransfer or payment listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell Tell us the following: • Your your name and the account number (if any)number(s) of the account(s) involved. • Describe the error, payment, error or the transfer or payment you are unsure uncertain about, and explain as clearly as you can why you believe it is an error or why you need more information. • The Tell us the dollar amount of the suspected error. If you tell us orallyin person or by telephone, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred within ten 10 Business Days (1020 Business Days if the transfer involved a new account) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five 45 days (4590 days if the transfer involved a new account) days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving Your account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business first 30 days after completing our investigationthe first deposit is made, unless each of you already has an established account with us before this account is opened. If we decide that find there was no error, we will send you a written explanationexplanation within three (3) Business Days after we finish our investigation. You may request ask for copies of the documents that were we used in our investigation; if we provisionally credit your account, we may take back the investigation.amount of any credit if we find that an error did not occur. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTS

Errors and Questions. ‌ In case of errors or questions about a transaction(s) in your electronic transfersaccounts, contact you should as soon as possible notify us immediately if using one of the following methods: • Telephone us at 000-000-0000 Monday – Friday 8:30 a.m. to 5:00 p.m. CST or; • Fax to: 0-000-000-0000 or; • Write us at: First Bank of Highland Park Treasury Management Client Care 000 Xxxxxx Xxxx, Xxxxx 000 Xxxxxxxxxx, XX 00000 xxxxxxxxxxx@xxxxxxxxxxx.xxx If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We Commercial Online Banking transaction listed on your statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available to you on which the problem or error appearedas soon as possible. You will need to tell us the followingmust: • Your Tell us your name and the account number (if any). for the account involved; • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. ; and, • The Tell us the dollar amount of the suspected error. If We must hear from you tell us orally, we may require you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business no later than 30 days after we hear send or make the first statement available to you on which the error or problem appeared. You must exercise ordinary care to determine all payment orders or amendments to payment orders that we accept are issued in your name and are authorized, enforceable, in the correct amount, to the correct beneficiary, and not otherwise erroneous. If you discover (or with reasonable care should have discovered) an unauthorized, unenforceable, or erroneously executed payment order or amendment, you must exercise ordinary care to notify us of the relevant facts. The time you have to notify us will depend on the particular circumstances involved. However, such time period will not exceed 30 days. Failure to examine your statement and report any such errors to us within 30 days of when we first send or make the first statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will correct be entirely yours. If you do not provide us with timely notice you will not be entitled to interest on any error promptlyrefundable amount. If we need more timecan establish that you failed to perform either of these duties with respect to an erroneous payment and that we incurred a loss as a result of the failure, however, we may take up you are liable to forty-five (45) days to investigate a complaint or question. If we decide to do this, we will credit your account within ten (10) business days us for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do loss not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for exceeding the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigationyour order.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersyou think there has been an error concerning the Services, you should contact us immediately if you think your periodic statement is wrong at (000) 000-0000, or if you need more information about a transfer(000) 000-0000, or write to us at OUCU Financial, 000 X Xxxxx Xxxxxx, Xxxxxx, XX 00000. We must hear from you no later than sixty (60) within 60 calendar days after we have sent the FIRST periodic first paper or electronic monthly statement was made available to you on which the problem or error first appeared. You If you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to tell us know the followingfollowing for all errors: • Your name and account number (if any)number. • Describe A description of the error, payment, error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. • The dollar amount of the suspected error. If you tell us orallyFor a Bill Pay issue, we may require you the checking account number used to send us pay the complaint or question in writing within ten (10) business daysbill, payee name, date payment was scheduled, payment amount, reference number and payee account number. We will determine whether an error occurred advise you of the results of our investigation within ten (10) 10 business days after we hear from you and will promptly correct any error promptlywe have made. If we need more time, howeveradditional time to complete our investigation, we may take up to forty-five (45) days to investigate a complaint or question. If we decide to do this45 days, but we will provisionally re-credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business daysdays after the request, we may will not re-credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide determine that there was no error, we will send you a written explanationexplanation within 3 business days after we complete our investigation. You may request copies of the documents that were we used in the our investigation. 12. PROVISIONS APPLICABLE TO BUSINESS DEPOSIT ACCOUNT CUSTOMERS (OTHER THAN SOLE PROPRIETORS) (a) Notification of Unauthorized Transactions. Notify us at once if you believe someone has improperly obtained your login credentials. This will ensure the best protection of your account and avoid the possibility of unauthorized withdrawals. In addition, notify us at once if you believe someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. To notify us, please call (000) 000-0000, or (000) 000-0000. You agree that the following security procedures govern your use of the Services when accessing your business accounts: ● You will set up login credentials. These must be used to access your business account. ● You agree to protect these credentials to prevent unauthorized use. ● You are liable for all transactions that you or any authorized users make or authorize, even if that person exceeds your authority. You will also be liable for all transactions by an authorized Secondary user. You are also liable for any and all unauthorized use that occurs before you have notified us that your credentials have been lost or stolen or used without your authority and before we have had a reasonable opportunity to block the affected access device(s). Your use of the Services constitutes your agreement that our security procedures are commercially reasonable. We may suspend or cancel your Username or Password even without receiving such notice from you if we suspect your Username or Password is being used in an unauthorized or fraudulent manner. With respect to all claims of third parties, you agree to reimburse and indemnify us and hold us harmless against any and all damages, losses, liabilities and claims of any kind or nature, including attorneys' fees and court costs, arising out of or in connection with, the performance by us of our duties and obligations under the Services Agreement, as well as all costs and expenses, of defending against any claim or liability arising out of or relating to the Services Agreement; provided however, that the foregoing shall not apply when we have failed to act in accordance with our security procedures. If you think that a transfer or withdrawal shown on your monthly statement is incorrect, or if you believe that an unauthorized transfer or withdrawal has occurred, contact us at once.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact telephone us immediately at (000) 000-0000, 8 a.m.-5 p.m. (Central Time), Monday through Friday, or write us at: Waypoint Bank PO Box 7 Xxxxx, NE 69130 as soon as you can, if you think your periodic statement or receipt is wrong or if you need more information Information about a transfertransaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell to: a. Tell us the following: • Your your name and account Account number (if any). • ; b. Describe the error, payment, error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and c. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require you to send us the your complaint or question in writing within ten (10) business daysdays following the date you notified us. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsIf we determine there was no error, we may take up to ninety (90) days to investigate your complaint or question. For new accountswill reverse the previously credited amount, if any, and we may take up to twenty (20) business days to credit your account for the amount will send you think is in error. We will tell you the results a written explanation within three (3) business days after completing we finish our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should as soon as possible notify us immediately if via one of the following: a. Telephone us at (000) 000-0000 during business hours b. Contact us during business hours using our online chat service at: xxxxx://xxxxxxxxx.xxx/ c. Send us a secure message by logging in to online banking d. Write us at: United Federal Credit Union XX Xxx 000 Xxxxx Xxxxxx, MI 49085 If you think your periodic account statement is wrong incorrect or if you need more information about a transfer. We Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic first statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your your name and account number (if any)member number; 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and, 3. • The Tell us the dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your my electronic transfers, contact us immediately I should telephone you at (000)0000000 or write to Together Credit Union, 000 Xxxxx Xxxxxx, St. Louis, MO 63118, as soon as I can if you I think your periodic my statement is wrong or if you I need more information about a transfertransfer listed on the statement. We I must hear from notify you no later than sixty (60) 60 days after you sent me the FIRST periodic first statement was made available to you on which the error or problem or error appeared. You I will need to tell us the followingyou: • Your My name and account number (if any). number; • Describe the error, payment, or the transfer you are unsure about, and explain as clearly as you can why you Why I believe it there is an error or why you need more information. • The and the dollar amount of involved; • Approximately when the suspected errorerror took place. If I tell you tell us orally, we you may require you to that I send us the my complaint or question in writing within ten (10) business days. We You will determine whether an error occurred tell me the results of your investigation within ten (10) business days after we hear from you and will correct any error promptly. If we you need more time, however, we you may take up to forty-five (45) 45 days to investigate (90 days if the transfer involved a complaint new account, point-of-sale transaction or questiona foreign-initiated transfer). If we you decide to do this, we you will credit your my account within ten 10 business days (10) 5 business days for ATM or Visa check card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you I think is in error, so that you I will have the use of the money during the time it takes us you to complete our your investigation. If we you ask you me to put your my complaint or question in writing and we you do not receive it within ten (10) 10 business days, we you may not credit your my account. For errors involving An account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount first 30 days after the first deposit is made, unless I already have an established account with you think before this account is in erroropened. We You will tell you me the results within three business days after completing your investigation. If you determine that there was no error, you will send me a written explanation within three (3) business days after completing our you complete your investigation, and you may reverse any temporary credits made to my account pending the completion of the investigation. If we decide that there was no error, we will send you a written explanation. You I may request ask for copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking transaction, contact us immediately if you think your periodic statement is wrong may call Rayne Building and Loan Association at 000-000-0000, or if you need more information about write a transfer. letter and send it to: Rayne Building and Loan Association Attention: Customer Service P O Box 46 Rayne, LA 70578 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • * Your name and account number (if any)number. • Describe * A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • * The dollar amount of the suspected error. * The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate If your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three (3) business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that Xxxxx Building and Loan Association may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by the Association shall be considered received within three (3) Business Days of the date sent by Xxxxx Building and Loan Association, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an On-line Banking or Xxxx Payment transaction, contact us immediately if you think your periodic statement is wrong may call 0xx Xxxx xx Xxx Xxxx Xxxx at 000-000-0000, or if you need more information about write a transfer. letter and send it to: We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • Your name and account number (if any). • Describe A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • The dollar amount of the suspected errorerror • The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate If your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three (3) business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that 0xx Xxxx xx Xxx Xxxx Xxxx may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by 0xx Xxxx xx Xxx Xxxx Xxxx shall be considered received within three (3) Business Days of the date sent by 1st Bank of Sea Isle City, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: • Telephone us at 000-000-0000 during customer service hours; • Contact us by using the secure messaging feature within the Service; or • Write to us at Farmers National Bank, Attn: Customer Contact Center, 000 X. Xxxx Xxxxxx, Xxxxxxxx, XX 00000 If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your name your name, relevant Service account number(s), and account number (if any)Access ID; 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and, 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Xxxx Payment transaction, contact notify us immediately if by calling us, 8:30 AM to 5:00 PM (EST) Monday - Friday or Saturday 8:30-1:00, excluding Federal holidays at 1-781-749-2200 or write us at: You agree that the time you think have to examine your periodic statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is wrong first sent or if you need more information about a transfermade available to you. We Furthermore, we must hear from you at the specified telephone number or address no later than sixty (60) 60 days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You We will need to tell us the following: • need: 1. Your name and account number (if any)number. 2. • Describe A description of the error, payment, error or the transfer you are unsure about, in question and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. 3. • The dollar amount of the suspected errorerror and date on which it occurred. If you tell us your report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days after we hear from you Calendar Days and will correct any error promptly. If we need more timetime is needed, however, we may take up to forty-five (45) 45 days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Calendar Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysCalendar Days, we may not credit your accountaccount until the investigation is completed. For errors involving new accountsIf an alleged error involves an electronic funds transfer during the first thirty (30) Calendar Days after the first deposit to the account was made, point-of-sale, or foreign-initiated transactions, we may take up to the applicable time periods for action by us are twenty (20) Calendar Days (instead of 10) and ninety (90) Calendar days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in errorinstead of 45). We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, the investigation and we will send you a written explanationexplanation if we determine that there was no error. You may request copies of the documents that were used in the investigation. You agree that we may respond to you by e-mail with regard to any claim of unauthorized electronic funds transfer related to the Service. Any such electronic mail sent to you by us shall be considered received within three (3) days of the date sent by us, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transferstransfers or payments, contact us immediately if you think your periodic statement is wrong or if you need more information about a transfershould: i. Telephone: 000.000.0000 ii. Write to: XXXXXXXXXXXXXXXXX@xxx.xxx We must hear from you no later than sixty (60) days after you received the FIRST periodic statement was made available to you or notification on your PC or other electronic device in which the problem or error appeared. You will need to tell . (a) Tell us the following: • Your your name and account number Bank Account number. (if any). • b) Describe the error, payment, error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The . (c) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you to send us the your complaint or question in writing within ten (10) business days. iii. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-forty- five (45) days to investigate a your complaint or question. If we decide to do this, we will provisionally credit your account Bank Account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your accountBank Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactionsBank Accounts, we may take up to ninety (90) days to investigate your complaint or question. For new accountsBank Accounts, we may take up to twenty (20) business days Business Days to credit your account Bank Account for the amount you think is in error. iv. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, contact you should notify us immediately if as soon as possible through one of the following methods: • Telephone us at 000-000-0000 during customer service hours; • Contact us by using the secure messaging feature within the Service; or • Write to us at 0000 Xxxx Xxxxxx Xxxxxx, X.X. Xxx 0000, Xxxxxx Xxxx, Xxxxxx 00000 If you think your periodic statement is wrong incorrect or if you need more information about a transfer. We an electronic transfer or Xxxx Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was made available sent to you on which the problem or error appearedappears. You will need to tell must: 1. Tell us the following: • Your name your name, relevant Service account number(s), and account number (if any)Access ID; 2. • Describe the error, payment, error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information; and, 3. • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within ten (10) business days Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within ten (10) business daysBusiness Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we We may take up to twenty (20) business days 20 Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case Case of errors Errors or questions about your electronic transfers, Questions About Your Electronic Transfers Please contact us immediately as soon as you can, if you think your periodic statement or receipt is wrong or if you need more information about a transfertransaction listed on the statement or receipt. The Bank contact information is listed at the bottom of this agreement. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell to: a. Tell us the following: • Your your name and account Account number (if any). • ; b. Describe the error, payment, error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and c. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate a your complaint or question. If we decide to do this, we will credit your account within ten (10) 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts, we may take up to twenty (20) 20 business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide determine that there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transfersregarding Online Banking or any of its Services, contact us immediately if you think your periodic statement is wrong may call Silvergate Bank at 800‐ 595‐5856, or if you need more information about write a transfer. letter and send it to: Silvergate Bank Attention: Central Operations 0000 Xxxxxxxxx Xxxxxx, Xxxxx 000 Xx Xxxxx, XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • Your name and account number (if any)accountnumber. • Describe A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more informationmoreinformation. • The dollar amount of the suspected error. • The date on which itoccurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to forty-five forty‐five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days from your original contact, we may not credit your accountaccount until the investigation iscompleted. For errors involving new accountsIf your notice of error concerns a transaction that occurred during the first thirty (30) days after the first deposit to the account was made, point-of-sale, or foreign-initiated transactions, we may take up to the applicable time periods are twenty (20) Business Days instead of ten (10) Business Days and ninety (90) calendar days to investigate your complaint or question. For new accounts, we may take up to twenty instead of forty‐five (2045) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationcalendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days after the Bank’s decision on the matter. You may request copies of the documents that were used in the investigation. You agree that we may respond to you by e‐mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Silvergate Bank shall be considered received within three (3) Business Days of the date sent by Silvergate Bank, regardless of whether or not you sign on to the System within that time frame.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Xxxx Payment transaction, contact us immediately if you think your periodic statement is wrong may call the Bank at 0-000-000-0000, or if you need more information about write a transfer. letter and send it to: Winter Hill Bank Attn: IB Support Operations Center 000 Xxxxxx Xxxxxx Xxxxxxxxxx, XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST periodic first statement was made available to you on which the problem or error appeared. You We will need to tell us the followingneed: • * Your name and account number (if any). • Describe number; * A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • ; * The dollar amount of the suspected error; and * The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business daysBusiness Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within ten (10) business days Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your account within ten (10) business days Business Days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within ten (10) business daysBusiness Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accountsIf your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made (New Accounts), point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in errorplace of 45 calendar days. We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was is no error, we will send you a written explanationexplanation and we may revoke any provisional credit previously provided to you. You may request copies of the documents that were used in the investigation. You agree that the Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by the Bank shall be considered received within three (3) Business Days of the date sent by the Bank, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case Case of errors Errors or questions about your electronic transfersQuestions regarding a BEACON Business Online Banking or Xxxx Payment Transaction, contact call Beacon Business Bank at one of our branch locations: San Xxxxxxxxx Xxxxxx: (000) 000-0000 Peninsula Branch: (000) 000-0000 East Bay Branch: (000) 000-0000 Or write us immediately at: BEACON BUSINESS BANK 00 XXXXXX XXXXXX, XXXXX 0000 XXX XXXXXXXXX, XX 00000‌ as soon as you can, if you think your periodic statement is wrong or if you need more information about a transfertransfer listed on the statement. We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You We will need to tell us the following: • need:‌  Your name and account number (if any)number. • Describe  A description of the error, payment, error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more timetime is needed, however, we may take up to forty-five (45) days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within ten (10) business days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving If an alleged error involves a new accountsaccount, point-of-sale, or foreign-initiated transactionstransfer, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide determine that there was no errorerror occurred, we will send you a written explanation. You may request copies of the documents that were we used in the our investigation.