Common use of Errors and Questions Clause in Contracts

Errors and Questions. In case of errors or questions about your electronic transfers or payments, you should contact us 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 statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. Tell us your name and the account number(s) of the account(s) involved. Describe the error or the transfer or payment you are uncertain about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us in person or by telephone, we may require that you send us your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within 10 Business Days (20 Business Days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. If we find there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation; if we provisionally credit your account, we may take back the 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 your electronic transfers or paymentstransactions, you should contact us at any time, seven days a week, or write notify us as soon as you can, at possible using any of the address or phone number set forth methods as listed in Section 3 if the “Your Liability” section of this Agreement. If you think that your statement is wrong incorrect or if you need more information about a transfer or payment Service transaction listed on the a statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. Tell us your You must provide the following information to us: • Your name and the account number(s) number; • Description of the account(s) involved. Describe the error or the transfer or payment you are uncertain abouttransaction in question, and explain an explanation as clearly as you can to why you believe it is an error or why you need more information. Tell us the ; and • The dollar amount of the suspected error. If you tell us in person or by telephone, we may require that you send us your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred give you the results of our investigation within 10 Business Days business days (20 Business Days business days if the transfer involved a new account) after you contact us and we hear from you and will correct any error errors promptly. If we find we do need more time, howevertime to research the issue, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your complaint or question). If we decide to do this, we will credit your account within 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 your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. The Credit Union may revoke any provisional credit provided to you if we find an error did not occur. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you have already has established an established account with us before this account is opened. We will tell you the results within 3 business days of completing our investigation. If we find decide that there was are no errorerrors, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation; if we provisionally credit . Disclosure of Account Information to Third-Parties. It is our general policy to treat your accountaccount information as confidential. However, we may take back will disclose information to third-parties about your account or the amount transactions you make only in the following circumstances: • Where is it necessary for completing transactions; • Where it is necessary for activating additional services; • In order to verify the existence and condition of any your account to a third-party, such as a credit if we find that an error did not occur. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTSbureau or Payee; • To a consumer reporting agency for research purposes only; • In order to comply with a governmental agency or court orders; or, • If you give us your written permission.

Errors and Questions. In case of errors or questions about your electronic transfers or payments, you should contact us at any timeshould: o Write to: First State Bank of St Xxxxxxx 000 X Xxxxx Xx. Xx Xxxxxxx, seven days a weekMO 63301, or write us as soon as you can, o Call Product Support at the address 636-940-5555 or phone number set forth in Section 3 if 0-000-000-0000 If you think that your monthly statement or receipt is wrong or if you need more information about a transfer or payment listed on the statement. We your statement or receipt, we must hear from you no later than sixty (60) days after we have sent you the FIRST monthly statement on which the problem or error appeared. Tell You must provide us your with: o Your name and the account number(s) number (if any). o A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the o The dollar amount of the suspected error. If you tell us in person or by telephone, we may require that you send us We will investigate your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within 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 take more time, however, we may take up to 45 days than ten (90 days if the transfer involved a new account10) to investigate your complaint or question. If we decide Business Days to do this, we will credit recredit your account within 10 business days (20 business days if the transfer involved a new account) Accounts for the amount you think is in error, so that you will have the use of your the money during the time it takes us to complete our investigation. If we ask Tell us AT ONCE if you to put believe your complaint password has been lost or question stolen. Calling is the best way of keeping your possible losses down. You could lose all the money in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is openedAccounts. If we find there was you tell us within two (2) Business Days, you can lose no error, we will send more than $50 (does not apply to Business accounts). If you a written explanation do NOT tell us within three two (32) Business Days after we finish our investigation. You may ask for copies you learn of the documents lost or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500 (does not apply to Business accounts). Tell as AT ONCE if your statement shows transfers that you did not make. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we used could have prevented someone from taking money if you had told us in our investigation; if we provisionally credit time (does not apply to Business accounts). If you believe your accountpassword has been lost or stolen or that someone has transferred or may transfer money from your Accounts without your permission, we may take back the amount call 000-000-0000 during normal business hours. We cannot accept notification of any credit if we find that an error did not occur. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTSlost or stolen passwords or unauthorized transfers via email.

Errors and Questions. In case of errors or questions about your electronic transfers regarding an Online Banking or paymentsBill Payment transaction, you should contact us may call the Bank at any time, seven days a week0-000-000-0000, or write us as soon as you cana letter and send it to: Winter Hill Bank Attn: IB Support Operations Center 000 Xxxxxx Xxxxxx Xxxxxxxxxx, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. XX 00000 For Consumer Accounts Only: 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 first statement on which the problem or error appeared. Tell us your We will need: * Your name and the account number(s) number; * A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the ; * The dollar amount of the suspected error; and * The date on which it occurred. If you tell us in person or by telephonethe report is made orally, we may require that you send us your the complaint or question in writing within ten (10) Business DaysDays from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 ten (10) Business Days (20 Business Days if the transfer involved a new account) 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 45 forty-five (45) calendar days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. Your account is considered If your notice of error concerns a new account for transaction that occurred during the first 30 days after the first deposit is madeto the account was made (New Accounts), unless each the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. We will tell you already has an established account with us before this account is openedthe results within three (3) Business Days after completing our investigation. If we find decide that there was is no error, we will send you a written explanation 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 after we finish our investigation. You may ask for copies of the documents date sent by the Bank, regardless of whether or not you sign on to the Service within that we used in our investigation; if we provisionally credit your account, we may take back the 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 ACCOUNTStime frame.

Errors and Questions. In case of errors or questions about your electronic transfers transfers, telephone us locally at 000-000-0000 or payments, if you should contact us are outside California at any time, seven days a week0-000-000-0000, or write to us at: Farmers & Merchants Bank Online Banking Services, 0000 Xxxxxx Xxxxx Drive, Seal Beach, California, 90740, U.S.A., as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and the account number(s) of the account(s) involvednumber (if any). • Describe the error or the transfer or payment you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the • The dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you to send us your the complaint or question in writing within ten (10) Business Days10 business days. We will determine whether an error occurred within 10 Business Days (20 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 45 days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the first 30 amount you think is in error. We will tell you the results within 3 business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, we may take back the 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 cases of errors or questions about your electronic transfers concerning transactions completed with the Tioga State Bank, N.A. Mobile Banking or paymentsany Service of Tioga State Bank, you should contact us at any timeN.A. Online Banking, seven days a weekdo one of the following, or write us as soon as you canpossible: Telephone us at: 000-000-0000, at Write to: Tioga State Bank, N.A., 0 X. Xxxx Xxxxxx, XX Xxx 000, Xxxxxxx, XX 00000-0000, OR E-mail us via the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on secure e-mail provided within Tioga State Bank, N.A. Online. Please provide us the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. Tell us your name and the account number(s) following information: Name, Address, Tioga State Bank, N.A. Account Number & Online ID, Description of the account(s) involved. Describe the error or the transfer or payment you are uncertain abouterror, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount 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 in person or by telephoneorally, we may require that you send us your complaint or question in writing within ten (10) Business Days10 business days. We will determine whether an error occurred within 10 Business Days (20 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 45 days (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 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 your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the first 30 amount you think is in error. We will tell you the results within three business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation; . CONSUMER LINE OF CREDIT ACCOUNTS NOTICE OF ERROR RESOLUTION • You must contact us within 60 days after the 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 provisionally credit your accountdetermine that we made a mistake, we may take back 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 if we find that an error did not occurlimit. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTSCOMMERCIAL/MUNICIPAL CUSTOMERS

Errors and Questions. In case of errors or questions about your electronic transfers regarding Online Banking or paymentsany of its Services, you should contact us may call Silvergate Bank at any time, seven days a week800‐ 595‐5856, or write us as soon as you cana letter and send it to: Silvergate Bank Attention: Central Operations 0000 Xxxxxxxxx Xxxxxx, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. 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 first statement on which the problem or error appeared. Tell us your We will need:  Your name and the account number(s) number.  A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the  The dollar amount of the suspected error.  The date on which it occurred. If you tell us in person or by telephonethe report is made orally, we may require that you send us your the complaint or question in writing within ten (10) Business DaysDays from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 ten (10) Business Days (20 Business Days if the transfer involved a new account) 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 45 forty‐five (45) calendar days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. Your account is considered If your notice of error concerns a new account for transaction that occurred during the first 30 thirty (30) days after the first deposit is to the account was made, unless each the applicable time periods are twenty (20) Business Days instead of you already has an established account with us before this account is openedten (10) Business Days and ninety (90) calendar days instead of forty‐five (45) calendar days. If we find there was determined that no errorerror occurred, we will send you a written explanation notice within three (3) Business Days after we finish our investigationthe Bank’s decision on the matter. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, . You agree that we may take back respond to you by e‐mail with regard to any claim of unauthorized electronic fund transfer related to the amount Service. Any such electronic mail sent to you by Silvergate Bank shall be considered received within three (3) Business Days of any credit if we find the date sent by Silvergate Bank, regardless of whether or not you sign on to the System within that an error did not occur. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTStime frame.

Errors and Questions. In case of errors or questions about your electronic transfers or paymentstransfers, you should contact us 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 immediately if you think that your periodic statement is wrong or if you need more information about a transfer or payment listed on the statement. transfer.. 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. Tell You will need to tell us your the following:  Your name and the account number(s) of the account(s) involvednumber (if any).  Describe the error error, payment, or the transfer or payment you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the  The dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you to send us your the complaint or question in writing within ten (10) Business Daysbusiness days. We will determine whether an error occurred within 10 Business Days ten (20 Business Days if the transfer involved a new account10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do this, we will credit your account within 10 ten (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 your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (10) business days, we may not credit your account. Your account is considered a 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 first 30 amount you think is in error. We will tell you the results within three (3) business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, we may take back the 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 your electronic transfers or paymentstransfers, you should contact telephone us at any time, seven days a week, (000) 000-0000 or write us at: American Riviera Bank, P.O. Box 329, Santa Barbara, CA 93102, as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and the account number(s) of the account(s) involvednumber (i f any). • Describe the error or the transfer or payment you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the • The dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you to send us your the complaint or question in writing within ten (10) Business Days10 business days. We will determine whether an error occurred within 10 Business Days (20 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 45 days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the first 30 amount you think is in error. We will tell you the results within three business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, we may take back the 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 your electronic transfers regarding Online Banking or paymentsany of its Services, you should contact us may call Silvergate Bank at any time, seven days a week800‐ 595‐5856, or write us as soon as you cana letter and send it to: Silvergate Bank Attention: Central Operations 0000 Xxxxxxxxx Xxxxxx, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. 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 first statement on which the problem or error appeared. Tell us your We will need: • Your name and the account number(s) accountnumber. • A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the • The dollar amount of the suspected error. • The date on which itoccurred. If you tell us in person or by telephonethe report is made orally, we may require that you send us your the complaint or question in writing within ten (10) Business DaysDays from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 ten (10) Business Days (20 Business Days if the transfer involved a new account) 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 45 forty‐five (45) calendar days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation iscompleted. Your account is considered If your notice of error concerns a new account for transaction that occurred during the first 30 thirty (30) days after the first deposit is to the account was made, unless each the applicable time periods are twenty (20) Business Days instead of you already has an established account with us before this account is openedten (10) Business Days and ninety (90) calendar days instead of forty‐five (45) calendar days. If we find there was determined that no errorerror occurred, we will send you a written explanation notice within three (3) Business Days after we finish our investigationthe Bank’s decision on the matter. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, . You agree that we may take back respond to you by e‐mail with regard to any claim of unauthorized electronic fund transfer related to the amount Service. Any such electronic mail sent to you by Silvergate Bank shall be considered received within three (3) Business Days of any credit if we find the date sent by Silvergate Bank, regardless of whether or not you sign on to the System within that an error did not occur. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTStime frame.

Errors and Questions. In case of errors or questions about your electronic transfers regarding an Online Banking or paymentsOnline Bill Payment transaction, you should contact us may call Security Federal Savings Bank at any time, seven days a week000-000-0000, or write us as soon as you cana letter and send it to: Security Federal Savings Bank Attention: Customer Service 000 Xxxxx Xxxxxx Xxxxxx, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. 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 first statement on which the problem or error appeared. Tell us your We will need: * Your name and the account number(s) number. * A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the * The dollar amount of the suspected error. * The date on which it occurred. If you tell us in person or by telephonethe report is made orally, we may require that you send us your the complaint or question in writing within ten (10) Business DaysDays from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 ten (10) Business Days (20 Business Days if the transfer involved a new account) 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 45 forty-five (45) calendar days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. Your account is considered If your notice of error concerns a new account for transaction that occurred during the first 30 days after the first deposit is to the account was made, unless each the applicable time periods are 20 Business Days in place of you already has an established account with us before this account is opened10 Business Days and 90 calendar days in place of 45 calendar days. If we find there was determined that no errorerror occurred, we will send you a written explanation notice 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 after we finish our investigation. You may ask for copies of the documents date sent by Security Federal Savings Bank, regardless of whether or not you sign on to the Service within that we used in our investigation; if we provisionally credit your account, we may take back the 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 ACCOUNTStime frame.

Errors and Questions. In case of errors or questions about your electronic transfers regarding an Online Banking or paymentsOnline Xxxx Payment transaction, you should contact us may call Winchester Savings Bank at any time, seven days a week781‐729‐2130, or write us as soon as you cana letter and send it to: Winchester Savings Bank Attention: Deposit Operations 000 Xxxx Xx Xxxxxxxxxx, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. 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 first statement on which the problem or error appeared. Tell us your We will need: * Your name and the account number(s) number. * A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the * The dollar amount of the suspected error. * The date on which it occurred. If you tell the report is made to us in person or by telephoneorally, we may require that you send us your the complaint or question in writing within ten (10) )** Business DaysDays from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 ten (10)** Business Days (20 Business Days if the transfer involved a new account) 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 45 forty‐five (45)** calendar days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within 10 business daysten (10)** Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. Your account is considered ** If your notice of error concerns a new account for transaction that occurred during the first 30 days after the first deposit is to the account was made, unless each the applicable time periods are 20 Business Days in place of you already has an established account with us before this account is opened10 Business Days and 90 calendar days in place of 45 calendar days. If we find there was determine that no errorerror occurred, we will send you a written explanation notice 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 after 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. LIMIT OF WINCHESTER SAVINGS BANK’S RESPONSIBILITY 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 finish our investigationhave 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 may ask are responsible for copies 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 documents 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’S RESPONSIBILITY 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 used in our investigation; if we provisionally credit 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 take back 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 amount 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. ELECTRONIC MAIL (EMAIL) 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. ALERTS/MESSAGES 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 credit if alert.  You agree that we find that 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 error did not occuralert. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTS 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 Case of errors Errors or questions about your electronic transfers Questions Regarding a BEACON Online Banking or paymentsXxxx Payment Transaction, you should contact us call Beacon Business Bank at any time, seven days a week, or 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 at: BEACON BUSINESS BANK 00 XXXXXX XXXXXX, XXXXX 0000 XXX XXXXXXXXX, XX 00000 as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment 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 statement on which the problem or error appeared. Tell us your We will need:  Your name and the account number(s) number.  A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the  The dollar amount of the suspected error. If you tell us in person or by telephonethe report is made orally, we may require that you send us your the complaint or question in writing within ten (10) Business Daysbusiness days. We will determine whether an error occurred within 10 Business Days ten (20 Business Days if the transfer involved a new account10) 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 45 forty-five (45) days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 ten (10) business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (10) business days, we may not credit your account. Your account is considered If an alleged error involves a new account, point-of-sale, or foreign-initiated transfer, 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 first 30 amount you think is in error. We will tell you the results within three (3) business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find there was determine that no errorerror occurred, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we used in our investigation; if we provisionally credit your account, we may take back the 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 your electronic transfers or paymentstransfers, you should contact telephone us at any time, seven days a week, (000) 000-0000 or write us at: Mission Bank: Attention Customer Support, X.X. Xxx 000, Xxxxxxxxxxx, XX 00000- 0317, as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem or error appeared. ▪ Tell us your name and the account number(s) of the account(s) involvednumber (if any). ▪ Describe the error or the transfer or payment you are uncertain about, unsure about and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the ▪ The dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you to send us your the complaint or question in writing within ten (10) Business Days10 business days. We will determine whether an error occurred within 10 Business Days (20 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 45 days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the first 30 amount you think is in error. We will tell you the results within three business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, we may take back the 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 your electronic transfers or paymentstransfers, you should contact telephone us at any time, seven days a week0-000-000-0000, or write to us at: Farmers & Merchants Bank Online Banking Services 0000 Xxxxxx Xxxxx Dr. Seal Beach, CA 90740 U.S.A. You must write or call as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem or error appeared. - Tell us your name and the account number(s) number (if any); - Describe of the account(s) involved. Describe the error or the transfer or payment you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the ; and - The dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you send us your the complaint or question in writing within ten (10) Business Days10 business days. We will determine whether an error occurred within 10 Business Days (20 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 timetime is needed, however, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the first 30 amount you think is in error. We will tell you the results within three business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, we may take back the 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 your electronic transfers or paymentstransfers, you should contact telephone us at any timeat: 000-000-0000. Or write to us at: Universal Bank, seven days a week0000 Xxxxxxx Xx., or write us as Xxxx Xxxxxx, XX 00000. As soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and the account number(s) of the account(s) involved. number (if any); • Describe the error or the transfer or payment you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the ; and • The dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you to send us your the complaint or question in writing within ten (10) Business Days10 business days. We will determine whether an error occurred within 10 Business Days (20 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 timetime is needed, however, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the first 30 amount you think is in error. We will tell you the results within three business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, we may take back the 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 your electronic transfers or payments, you should contact us at any time, seven days a weekregarding an Online Services, or write transaction, notify us as soon as you can, at immediately by contacting us in the address or phone number set forth manner provided in Section 3 if 8 of this Agreement. You agree that the time you think that have to examine your statement is wrong or if you need more information about a transfer or payment listed and report to us will depend on the statementcircumstances, but will not, in any circumstance, exceed a total of 60 days from when the statement is first sent or made 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 statement on which the problem or error appeared. Tell us your We will need: ● Your name and the account number(s) number. ● A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the ● The dollar amount of the suspected errorerror and date on which it occurred. If you tell us in person or by telephoneyour report is made orally, we may require that you send us your the complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred notify you with the results of the investigation within 10 Business Days ten (20 Business Days if the transfer involved a new account10) 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 45 days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within 10 business daysten (10) Business Days, we may not credit your accountaccount until the investigation is completed. Your account is considered a new account for If an alleged error involves an electronic funds transfer during the first 30 days thirty (30) Days after the first deposit is to the account was made, unless each the applicable time periods for action by us are twenty (20) Business Days (instead of 10) and ninety (90) days (instead of 45). We will tell you already has an established account with us before this account is opened. If we find there was no error, we will send you a written explanation the results within three (3) Business Days after completing the investigation and we finish our investigationwill send you a written explanation if we determine that there was no error. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, . You agree that we may take back respond to you by e-mail with regard to any claim of unauthorized electronic funds transfer related to the amount Service. Any such electronic mail sent to you by us shall be considered received within three (3) days of any credit if we find the date sent by us, regardless of whether or not you sign on to the Service within that an error did not occur. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTStime frame.

Errors and Questions. In case Case of errors Errors or questions about your electronic transfers Questions regarding a BEACON Business Online Banking or paymentsXxxx Payment Transaction, you should contact us call Beacon Business Bank at any time, seven days a week, or 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 at: BEACON BUSINESS BANK 00 XXXXXX XXXXXX, XXXXX 0000 XXX XXXXXXXXX, XX 00000‌ as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment 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 statement on which the problem or error appeared. Tell us your We will need:‌  Your name and the account number(s) number.  A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the  The dollar amount of the suspected error. If you tell us in person or by telephonethe report is made orally, we may require that you send us your the complaint or question in writing within ten (10) Business Daysbusiness days. We will determine whether an error occurred within 10 Business Days ten (20 Business Days if the transfer involved a new account10) 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 45 forty-five (45) days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 ten (10) business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (10) business days, we may not credit your account. Your account is considered If an alleged error involves a new account, point-of-sale, or foreign-initiated transfer, 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 first 30 amount you think is in error. We will tell you the results within three (3) business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find there was determine that no errorerror occurred, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we used in our investigation; if we provisionally credit your account, we may take back the 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 your concerning electronic transfers to or paymentsfrom your Transfer Account, you should contact call us at any time, seven days a week(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, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer any Transfer. When you call or payment listed on the statement. We must hear from you no later than sixty write: (601) days after we sent you the FIRST statement on which the problem or error appeared. Tell tell us your name and the account number(snumber of your Transfer Account; (2) of the account(s) involved. Describe describe the error or the transfer or payment Transfer you are uncertain about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell ; and (3) tell us the dollar amount of the suspected error. For personal accounts, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared, but it is important that we hear from you at the earliest possible time. If you tell us in person or by telephone, we may require that you send us your complaint or question in writing within ten (10) 10 Business Days. We will determine whether an error occurred within 10 Business Days (20 Business Days if the transfer involved a new account) after we hear from you and and, if we determine that an error has occurred, we will correct any error it promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will provisionally credit your the account in question within 10 business days (20 business days if the transfer involved a new account) Business Days for the amount you think is in error, so that you will have the use of your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it the writing within 10 business daysBusiness Days, we may not provisionally credit your account. Your account is considered a For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to provisionally credit your account for the first 30 days amount you think is in error. We will tell you the results within 3 Business Days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for copies of the documents that we used relied on to reach our conclusion. Please note that if we credit your account with an amount in dispute before we complete our investigation; , the credit is provisional. This means that if we provisionally credit your account, we may take back the amount of any credit if we find our investigation reveals that an error did not occuroccur or that your dispute is invalid, then we can withdraw the amount that we provisionally credited to your account. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTSIf 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 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 do not apply to non-consumer accounts (i.e., 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 can, if you think that your statement is wrong or you need more information about any transaction. We will not be liable for any errors or losses you sustain by any Transfer, except where we 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 our obligation to correct any errors or omissions will be limited to using commercially reasonable efforts to correct the transaction. You acknowledge that since your Transfer Account is a non-consumer account, you are required to notify us within 24 hours of any unauthorized Transfers from your Transfer Account, and acknowledge that any 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 transfers or paymentstransfers, you should contact us 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 immediately if you think that your periodic statement is wrong or if you need more information about a transfer or payment listed on the statement. transfer.. 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. Tell You will need to tell us your the following: • Your name and the account number(s) of the account(s) involvednumber (if any). • Describe the error error, payment, or the transfer or payment you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the • The dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you to send us your the complaint or question in writing within ten (10) Business Daysbusiness days. We will determine whether an error occurred within 10 Business Days ten (20 Business Days if the transfer involved a new account10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do this, we will credit your account within 10 ten (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 your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (10) business days, we may not credit your account. Your account is considered a 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 first 30 amount you think is in error. We will tell you the results within three (3) business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we were used in our 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; if we provisionally credit your account, we may take back the 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 ACCOUNTSand (ii) pay bills.

Errors and Questions. In case of errors or questions about your electronic transfers or paymentstransfers, you should contact telephone us at any time, seven days a week, 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared.  Tell us your name and the account number(s) of the account(s) involvednumber (if any).  Describe the error or the transfer or payment you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the  The dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you to send us your the complaint or question in writing within ten (10) Business Days10 business days. We will determine whether an error occurred within 10 Business Days (20 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 45 days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the first 30 amount you think is in error. We will tell you the results within three business days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting our investigation. If we find decide that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for request copies of the documents that we were used in our the investigation; if we provisionally credit your account, we may take back the 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 transfers or paymentsaccounts, you should contact us at any time, seven days a week, or write us as soon as you canpossible notify us 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, at the address or phone number set forth in Section 3 if Xxxxx 000 Xxxxxxxxxx, XX 00000 xxxxxxxxxxx@xxxxxxxxxxx.xxx If you think that your statement is wrong incorrect or if you need more information about a transfer or payment Commercial Online Banking transaction listed on the your statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appearedas soon as possible. You must: • Tell us your name and the account number(s) of number for the account(s) account involved. ; • Describe the error or the transfer or payment you are uncertain 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, • Tell us the dollar amount of the suspected error. If you tell us in person or by telephone, we may require that you send us your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within 10 Business Days (20 Business Days if the transfer involved a new account) after we must hear from you no later than 30 days after we 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 correct depend on the particular circumstances involved. However, such time period will not exceed 30 days. Failure to examine your statement and report any error promptlysuch 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 be entirely yours. If you do not provide us with timely notice you will not be entitled to interest on any refundable 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 45 days (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) us for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. If we find there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation; if we provisionally credit your account, we may take back loss not exceeding the 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 ACCOUNTSyour order.

Errors and Questions. In case of errors or questions about your electronic transfers or paymentsYour transactions, you You should contact us at any time, seven days a week, or write us as soon as you canpossible notify Administrator via one of the following: • Telephone Us at (000) 000-0000 during customer service hours; and/or, at the address or phone number set forth in Section 3 if you • 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 that your Your Account statement is wrong incorrect or if you You need more information about a transfer or payment BillSuite Service transaction listed on the statement. , We must hear from you You no later than sixty (60) days after we sent you the FIRST statement was sent to You on which the problem or error appearedappears. You must: • Tell us your Us Your name and the account number(s) of the account(s) involved. Account number; • Describe the error or the transfer or payment you are uncertain 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, • Tell us Us the dollar amount of the suspected error. If you You tell us in person or by telephoneUs verbally, we We may require that you You send us your Your complaint or question in writing within ten (10) Business DaysDays after Your verbal notification. We will determine whether an error occurred tell You the results of Our investigation within 10 ten (10) Business Days (20 Business Days if the transfer involved a new account) 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 45 forty-five (45) days (90 days if the transfer involved a new account) to investigate your complaint or questioncomplete Our investigation. If we We decide to do this, we We will provisionally credit your account Your Payment Account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you You think is in error, so that you will have the use of your 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 10 business daysten (10) Business Days, we We may not provisionally credit your accountYour Payment Account. Your account is considered a new account for We will tell You the first 30 days results within three Business Days after the first deposit is made, unless each of you already has an established account with us before this account is openedcompleting Our investigation. If we find We decide that there was no error, we We will send you You a written explanation within three (3) Business Days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our Our investigation; . The BillSuite Service Provider may revoke any provisional credit provided to You if we provisionally credit your account, we may take back the amount of any credit if we 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 your electronic transfers or paymentstransactions, you should contact us at any time, seven days a week, or write notify us as soon as you canpossible 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., at the address or phone number set forth in Section 3 if 000 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000 If you think that your statement is wrong incorrect or if you need more information about a an electronic transfer or payment Xxxx Payment transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must:  Tell us your name and the name, relevant Service account number(s) of the account(s) involved. ), and User Name;  Describe the error or the transfer or payment you are uncertain 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,  Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneverbally, we may require that you send us your complaint or question in writing within ten (10) Business DaysDays after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 ten (10) Business Days (20 Business Days if the transfer involved a new account) after we hear from you you, and will correct any error promptly. If However, if we need require more time, however, we may take up time to 45 days (90 days if confirm the transfer involved a new account) to investigate nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that you will have the use of your 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 10 business daysten (10) Business Days, we may not provisionally credit your account. Your account is considered For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the first 30 days after the first deposit amount you think is made, unless each of you already has an established account with us before this account is openedin error. If we find it is determined there was no error, we will send mail you a written explanation within three (3) Business Days after we finish completion of our investigation. You may ask for copies of the documents that we used in our investigation; if we provisionally . The Service may revoke any provisional credit your account, we may take back the amount of any credit provided to you 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 your electronic transfers or paymentsregarding an Online Banking transaction, you should contact us may call Rayne Building and Loan Association at any time, seven days a week000-000-0000, or write us as soon as you cana letter and send it to: Rayne Building and Loan Association Attention: Customer Service P O Box 46 Rayne, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. 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 first statement on which the problem or error appeared. Tell us your We will need: * Your name and the account number(s) number. * A description of the account(s) involved. Describe the error or the transfer or payment you are uncertain 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. Tell us the * The dollar amount of the suspected error. * The date on which it occurred. If you tell us in person or by telephonethe report is made orally, we may require that you send us your the complaint or question in writing within ten (10) Business DaysDays from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 ten (10) Business Days (20 Business Days if the transfer involved a new account) 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 45 forty-five (45) calendar days (90 days if the transfer involved a new account) to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that . This will allow you will have to use the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. Your account is considered If your notice of error concerns a new account for transaction that occurred during the first 30 days after the first deposit is to the account was made, unless each the applicable time periods are 20 Business Days in place of you already has an established account with us before this account is opened10 Business Days and 90 calendar days in place of 45 calendar days. If we find there was determined that no errorerror occurred, we will send you a written explanation notice 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 after we finish our investigation. You may ask for copies of the documents date sent by Xxxxx Building and Loan Association, regardless of whether or not you sign on to the Service within that we used in our investigation; if we provisionally credit your account, we may take back the 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 ACCOUNTStime frame.

Errors and Questions. In case of errors or questions about your my electronic transfers or paymentstransfers, I should telephone you should contact us at any time, seven days a week, (000)0000000 or write us to Together Credit Union, 000 Xxxxx Xxxxxx, St. Louis, MO 63118, as soon as you can, at the address or phone number set forth in Section 3 I can if you I think that your my statement is wrong or if you I need more information about a transfer or payment listed on the statement. We I must hear from notify you no later than sixty (60) 60 days after we you sent you me the FIRST first statement on which the error or problem or error appeared. Tell us your I will need to tell you: • My name and the account number(s) of the account(s) involved. Describe the error or the transfer or payment you are uncertain about, and explain as clearly as you can why you number; • Why I believe it there is an error or why you need more information. Tell us and the dollar amount of involved; • Approximately when the suspected errorerror took place. If I tell you tell us in person or by telephoneorally, we you may require that you I send us your my complaint or question in writing within ten (10) Business Daysbusiness days. We You will determine whether an error occurred tell me the results of your investigation within 10 Business Days ten (20 Business Days if the transfer involved a new account10) after we hear from you business days and will correct any error promptly. If we you need more time, however, we you may take up to 45 days to investigate (90 days if the transfer involved a new account) to investigate your complaint , point-of-sale transaction or questiona foreign-initiated transfer). If we you decide to do this, we you will credit your my account within 10 business days (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 your 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 10 business days, we you may not credit your my account. Your An account is considered a new account for the first 30 days after the first deposit is made, unless each of you I already has have an established account with us you before this account is opened. You will tell me the results within three business days after completing your investigation. If we find you determine that there was no error, we you will send you me a written explanation within three (3) Business Days business days after we finish our you complete your investigation, and you may reverse any temporary credits made to my account pending the completion of the investigation. You I may ask for copies of the documents that we were used in our the investigation; if we provisionally credit your account, we may take back the 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 your electronic transfers or paymentstransactions, you should contact us at any time, seven days a week, or write notify us as soon as you canpossible 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, at the address or phone number set forth in Section 3 if Elkins, WV 26241. If you think that your statement is wrong incorrect or if you need more information about a an electronic transfer or payment listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must: • Tell us your name and the name, relevant Service account number(s) of the account(s) involved. ); • Describe the error or the transfer or payment you are uncertain 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, • Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneverbally, we may require that you send us your complaint or question in writing within ten (10) Business DaysDays after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 ten (10) Business Days (20 Business Days if the transfer involved a new account) after we hear from you you, and will correct any error promptly. If However, if we need require more time, however, we may take up time to 45 days (90 days if confirm the transfer involved a new account) to investigate nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your account within 10 business days ten (20 business days if the transfer involved a new account10) Business Days for the amount you think is in error, so that you will have the use of your 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 10 business daysten (10) Business Days, we may not provisionally credit your account. Your account is considered For errors regarding electronic transactions on new consumer accounts, we may take up to ninety (90) days to investigate your complaint or question. We may take up to twenty (20) Business Days to credit a new account for the first 30 days after the first deposit amount you think is made, unless each of you already has an established account with us before this account is openedin error. If we find it is determined there was no error, we will send mail you a written explanation within three (3) Business Days after we finish completion of our investigation. You may ask for copies of the documents that we used in our investigation; if we provisionally . The Service may revoke any provisional credit your account, we may take back the amount of any credit provided to you if we find that an error did not occur. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTSIf after revocation of the provisional 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 or questions about your electronic transfers transactions, telephone us at (000) 000-0000 any time from 8:00 a.m. to 4:00 p.m. Monday through Thursday or payments8:00 a.m. to 5:30 p.m. on Friday, you should or 8:00 a.m. to 12:00 noon on Saturdays or contact us at any timeat: Bank of Stronghurst 000 X. Xxxx, seven days a weekX.X. Xxx 000 Xxxxxxxxxxx, or write us XX 00000 as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement or receipt is wrong or if you need more information about a transfer or payment transaction listed on the statementstatement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. Tell You will need to: a. tell us your name and the account number(s) of the account(s) involved. Describe Account number (if any); b. describe the error or the transfer or payment transaction you are uncertain unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell ; and c. tell us the dollar amount of the suspected error. If you tell us in person or by telephoneverbally, we may require that you to send us your complaint or question in writing within ten (10) Business Daysbusiness days following the date you notified us. We will determine whether an error occurred within 10 Business Days ten (20 Business Days 10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer involved a new accountto 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 45 forty-five (45) days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days (20 twenty (20) business days if the notice of error involves an electronic fund transfer involved a new accountto 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 your the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (10) business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. If we find determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation within three (3) Business Days business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation; if we provisionally credit your account, we may take back the 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.