Common use of Errors and Questions Clause in Contracts

Errors and Questions. If you have questions or think there has been an error about funds transfers or bill payments made through the Services, you should contact us at (000) 000-0000 or (000) 000-0000. We must hear from you no later than 60 days after we have sent the first paper or electronic monthly statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten business days. We are going to need to know the following: Your name and account number. A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need additional information. The dollar amount of the suspected error. For a bill payment issue, the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number, and payee account number for the payment in question. We will tell you the results of our investigation within a reasonable time after we hear from you, and we will correct any error. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements in either paper or electronic format. If you agree to receive your account statements electronically, paper statements will no longer be mailed to you. Your choice of notification format will apply to all sub-accounts (e.g., S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you may require through OUCU Financial Online Banking access or by calling OUCU Financial at (000) 000-0000. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financial. We will notify you at your electronic address of the availability of monthly statements, new disclosure material, and any changes in hardware or software that may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets the current browser specifications posted on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or another device you use to access and view your statements. I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trial

Errors and Questions. If you have In case of errors or questions regarding an Online Banking or think there has been an error about funds transfers or bill payments made through the ServicesXxxx Payment transaction, you should contact us may call the Bank at (000) 0-000-0000 or (000) 000-0000. , or write a letter and send it to: Winter Hill Bank Attn: IB Support Operations Center 000 Xxxxxx Xxxxxx Xxxxxxxxxx, XX 00000 For Consumer Accounts Only: We must hear from you at the specified telephone number or address no later than 60 sixty (60) calendar days after we have sent you the first paper or electronic monthly statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten business days. We are going to need to know the followingwill need: * Your name and account number. ; * A description of the error or the transfer you are unsure about in question, and an explanation of concerning why you believe it is an error or why you need additional more information. ; * The dollar amount of the suspected error; and * The date on which it occurred. For If the report is made orally, we may require that you send the complaint or question in writing within ten (10) Business Days from your initial contact. We will notify you with the results of the investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a bill payment issuecomplaint or question. If this occurs, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed. If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made (New Accounts), the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number, applicable time periods are 20 Business Days in place of 10 Business Days and payee account number for the payment 90 calendar days in questionplace of 45 calendar days. We will tell you the results of within three (3) Business Days after completing our investigation within investigation. If we decide that there is no error, we will send you a reasonable time after we hear from you, written explanation and we will correct may revoke any error. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements in either paper or electronic format. If you agree to receive your account statements electronically, paper statements will no longer be mailed provisional credit previously provided to you. Your choice You may request copies of notification format will apply to all sub-accounts (e.g., S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statementsthe documents that were used in the investigation. You agree that the Bank may obtain a paper copy of any transaction documentation respond to you may require through OUCU Financial Online Banking access or by calling OUCU Financial at (000) 000-0000. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail addresswith 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) at any time on OUCU Financial Home Banking or by calling OUCU Financial. We will notify you at your electronic address Business Days of the availability date sent by the Bank, regardless of monthly statements, new disclosure material, and any changes in hardware whether or software that may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information. Your eStatements are available for viewing and printing not you sign on OUCU Financial Online Banking for 36 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets the current browser specifications posted on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or another device you use to access and view your statements. I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature Service within that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trialtime frame.

Errors and Questions. If you have In case of errors or questions regarding an On-line Banking or think there has been an error about funds transfers or bill payments made through the ServicesXxxx Payment transaction, you should contact us may call 0xx Xxxx xx Xxx Xxxx Xxxx at (000) 000-0000 or (000) 000-0000. , or write a letter and send it to: 0xx Xxxx xx Xxx Xxxx Xxxx Xxxxxxxxx: Internet Banking 0000 Xxxxxx Xxx Sea Isle City, NJ 08243 We must hear from you at the specified telephone number or address no later than 60 sixty (60) calendar days after we have sent you the first paper or electronic monthly statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten business days. We are going to need to know the followingwill need: • Your name and account number. number • A description of the error or the transfer you are unsure about in question, and an explanation of concerning why you believe it is an error or why you need additional more information. • The dollar amount of the suspected error. For a bill payment issue, the checking account number used to pay the bill, payee name, error • The date the payment was scheduled, payment amount, reference number, and payee account number for the payment in question. We will tell you the results of our investigation within a reasonable time after we hear from you, and we will correct any error. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements in either paper or electronic formaton which it occurred. If you agree to receive your account statements electronicallythe report is made orally, paper statements will no longer be mailed to you. Your choice of notification format will apply to all sub-accounts (e.g., S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you we may require through OUCU Financial Online Banking access that you send the complaint or by calling OUCU Financial at question in writing within ten (00010) 000-0000. You may change the format (paper or electronic) in which you receive statements or Business Days from your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financialinitial contact. We will notify you at your electronic address with the results of the availability investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed. If your notice of monthly statementserror concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, new disclosure materialthe applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we determined that no error occurred, and any changes we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in hardware or software that may impact your ability to retrieve electronically formatted informationthe investigation. You agree that 0xx Xxxx xx Xxx Xxxx Xxxx may respond to notify the Credit Union you by e-mail with regard to any claim of changes to your email address and other contact information. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or unauthorized electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets the current browser specifications posted on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility to ensure your personal computer and fund transfer related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware Service. Any such electronic mail sent to you by 0xx Xxxx xx Xxx Xxxx Xxxx shall be considered received within three (3) Business Days of the date sent by 1st Bank of Sea Isle City, regardless of whether or another device not you use to access and view your statements. I hereby consent sign on to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature Service within that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trialtime frame.

Errors and Questions. If you have questions In Case of Errors or think there has been an error about funds transfers Questions About your Electronic Transfers, Call or bill payments made through the Services, you should contact Write to us at (000) 000-0000 the telephone number or (000) 000-0000address listed below, as soon as you can, if you think 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 60 days after we have sent the first paper or electronic monthly FIRST statement on which the problem or error appeared. Tell us your name and account number. Describe the error or transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you notify tell us verballyorally, we may require that you send us your complaint or question in writing within ten 10 business days. We are going will determine whether an error occurred within 10 business days (20 business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to need 45 days (90 days for new accounts or point- of-sale or foreign-initiated transfers) to know investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days for new accounts) for the following: Your name and account number. A description amount you think is in error, so that you will have the use of the error 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. An account is considered a new account for 30 days after the transfer first deposit is made, if you are unsure about and an explanation of why you believe it is an error or why you need additional information. The dollar amount of the suspected error. For a bill payment issue, the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number, and payee account number for the payment in questionnew customer. We will tell you the results of within three business days after completing our investigation within a reasonable time after investigation. If we hear from youdecide that there was no error, and we will correct any error. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements in either paper or electronic format. If send you agree to receive your account statements electronically, paper statements will no longer be mailed to you. Your choice of notification format will apply to all sub-accounts (e.g., S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statementsa written explanation. You may obtain a paper copy ask for copies of any transaction documentation you may require the documents that we used in our investigation. First National Bank of Xxxxxxxx 000 X. Xxxxxx / P O Box 269 Giddings TX 78942‌ Business Days: Monday through OUCU Financial Online Banking access or by calling OUCU Financial at (000) Friday, 9:00 am to 3:00 pm Excluding Federal Holidays Phone: 000-0000. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e000-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financial. 0000 Disclosure Information to Third Parties of Account We will notify you at your electronic address of the availability of monthly statements, new disclosure material, and any changes in hardware or software that may impact your ability disclose information to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive third parties about your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets or the current browser specifications posted on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows transactions you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or another device you use to access and view your statements. I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trialmake:

Errors and Questions. If you have In case of errors or questions or think there has been regarding an error about funds transfers or bill payments made through the ServicesOnline Banking transaction, you should contact us may call Millbury Federal Credit Union at (000) 000-0000 000-0000, or (write a letter and send it to: Millbury Federal Credit Union Attention: Member Service 00 Xxxx Xxxxxx Millbury, MA 01527-0032 For errors or questions regarding Online Banking Bill Pay payments, you may call CheckFree Customer Service at 000) -000-0000. We must hear from you at the specified telephone number or address no later than 60 sixty (60) calendar days after we have sent you the first paper or electronic monthly statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten business days. We are going to need to know the followingwill need: • Your name and account number. • A description of the error or the transfer you are unsure about in question, and an explanation of concerning why you believe it is an error or why you need additional more information. • The dollar amount of the suspected error. For a bill payment issue, the checking account number used to pay the bill, payee name, • The date the payment was scheduled, payment amount, reference number, and payee account number for the payment in question. We will tell you the results of our investigation within a reasonable time after we hear from you, and we will correct any error. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements in either paper or electronic formaton which it occurred. If you agree to receive your account statements electronicallythe report is made orally, paper statements will no longer be mailed to you. Your choice of notification format will apply to all sub-accounts (e.g., S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you we may require through OUCU Financial Online Banking access that you send the complaint or by calling OUCU Financial at question in writing within ten (00010) 000-0000. You may change the format (paper or electronic) in which you receive statements or Business Days from your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financialinitial contact. We will notify you at your electronic address with the results of the availability investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed. If your notice of monthly statementserror concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, new disclosure materialthe applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we determined that no error occurred, and any changes we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in hardware or software that may impact your ability to retrieve electronically formatted informationthe investigation. You agree to notify the that Millbury Federal Credit Union may respond to you by e-mail with regard to any claim of changes unauthorized electronic fund transfer related to your email address and other contact informationthe Service. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 months from Any such electronic mail sent to you by Millbury Federal Credit Union shall be considered received within three (3) Business Days of the statement date. After that time, you may request a paper copy of your statement date sent by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Millbury Federal Credit Union. If , regardless of whether or not you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets the current browser specifications posted sign on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or another device you use to access and view your statements. I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature Service within that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trialtime frame.

Errors and Questions. If you have questions or you think there has been an error about funds transfers or bill payments made through concerning the Services, you should contact us at (804-843- 2520 or toll-free 000) -000-0000 or (000) 000-0000write to us at Baylands Family Credit Union, P O Box 000 Xxxx Xxxxx, XX 00000. We must hear from you no later than within 60 calendar days after we have sent the first paper or electronic monthly statement on which the problem or error first appeared. If you notify us verbally, we may require that you to send us your complaint or question in writing within ten 10 business daysdays of the verbal notice. We are going to will need to know the followingfollowing for all errors:  Your name and account number.  A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need additional information.  The dollar amount of the suspected error.  For a bill payment issue, Bill Pay issue - the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number, number and payee account number number. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the payment amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90* days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of within three business days after completing our investigation within a reasonable time after investigation. If we hear from youdecide that there was no error, and we will correct any errorsend you a written explanation. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements You may ask for copies of the documents that we used in either paper or electronic formatour investigation. If you agree to receive your account statements electronicallyneed more information about our error resolution procedures, paper statements will no longer be mailed to you. Your choice of notification format will apply to all subcall us at 000-accounts (e.g., S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you may require through OUCU Financial Online Banking access 000-0000 or by calling OUCU Financial at (toll-free 000) -000-0000. You may change * If you give notice of an error within 30 days after you make the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financial. We will notify you at your electronic address of the availability of monthly statements, new disclosure material, and any changes in hardware or software that may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes first deposit to your email address account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and other contact information. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets the current browser specifications posted on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this serviceterritories, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility have 90 days instead of 45 days to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or another device you use to access and view your statements. I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trialinvestigate.

Errors and Questions. If you have questions or think there has been an error about funds transfers or bill payments made through the Services, you should contact us at (000) 000-0000 or (000) 000-0000. We must hear from you no later than 60 days after we have sent the first paper or electronic monthly statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten business days. We are going to need to know the following: • Your name and account number. • A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need additional information. The dollar amount of the suspected error. • For a bill payment issue, the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number, and payee account number for the payment in question. We will tell you the results of our investigation within a reasonable time after we hear from you, and we will correct any error. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements in either paper or electronic format. If you agree to receive your account statements electronically, paper statements will no longer be mailed to you. Your choice of notification format will apply to all sub-accounts (e.g., S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you may require through OUCU Financial Online Banking access or by calling OUCU Financial at (000) 000-0000. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financial. We will notify you at your electronic address of the availability of monthly statements, new disclosure material, and any changes in hardware or software that may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets the current browser specifications posted on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or another device you use to access and view your statements. I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trial

Errors and Questions. If you have questions or you think there has been an error about funds transfers or bill payments made through the Services, you should contact us at (000) 000-0000 0000, or (000) 000-0000. We must hear from you no later than 60 days after we have sent the first paper or electronic monthly statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten 10 business days. We are going to need to know the following: Your name and account number. A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need additional information. The dollar amount of the suspected error. For a bill payment issue, the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number, number and payee account number for the payment in question. We will tell you the results of our investigation within a reasonable time after we hear from you, you and we will correct any error. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements in either paper or electronic format. If you agree to receive your account statements electronically, paper statements will no longer be mailed to you. Your choice of notification format will apply to all sub-sub accounts (e.g., e.g. S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you may require through OUCU Financial Online Banking access or by calling OUCU Financial FIinancial at (000) 000-0000. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financial. We will notify you at your electronic address of the availability of monthly statements, new disclosure material, and any changes in hardware or software that may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 18 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, Notices and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. Your choice of notification format will apply to all sub accounts (e.g. S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements or notices. You may obtain a paper copy of any disclosure or notice you may require through OUCU Financial Online Banking or by calling OUCU Financial at (000) 000-0000. You may change the format (paper or electronic) in which you receive statements, and thereby notices and disclosures, or change your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Online Banking or by calling OUCU Financial. We will notify you at your electronic address of the availability of any notice. You agree to notify the Credit Union of changes to your email address and other contact information. Your disclosures and notices are available for viewing and printing at xxx.xxxx.xxx for 90 days from the statement date. After that time, you may request a paper copy of your disclosure or notice by contacting OUCU Financial. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets the current browser specifications as posted on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or another device you use to access and view your statements. I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trial.

Errors and Questions. If you have questions or you think there has been an error about funds transfers or bill payments made through the Services, you should contact us at (000) -000-0000 or (toll-free 000) -000-0000. We must hear from you no later than 60 days after we have sent the first paper or electronic monthly statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten 10 business days. We are going to need to know the following:  Your name and account number.  A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need additional information.  The dollar amount of the suspected error.  For a bill payment issue, issue - the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number, number and payee account number for the payment in question. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90* days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of within three business days after completing our investigation within a reasonable time after investigation. If we hear from youdecide that there was no error, and we will correct any errorsend you a written explanation. ESTATEMENT DISCLOSURE TERMS AND CONDITIONS eStatements OUCU Financial provides monthly account statements You may ask for copies of the documents that we used in either paper or electronic formatour investigation. If you agree to receive your account statements electronicallyneed more information about our error resolution procedures, paper statements will no longer be mailed to you. Your choice of notification format will apply to all subcall us at 000-accounts (e.g., S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you may require through OUCU Financial Online Banking access 000-0000 or by calling OUCU Financial at (toll-free 000) -000-0000. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail address) at any time on OUCU Financial Home Banking or by calling OUCU Financial. We will notify you at your electronic address of the availability of monthly statements, new disclosure material, and any changes in hardware or software that may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information. Your eStatements are available for viewing and printing on OUCU Financial Online Banking for 36 months from the statement date. After that time, you may request a paper copy of your statement by contacting OUCU Financial. Fees may apply for paper statement copies that are retrieved by OUCU Financial. Statement Copy Fee $5.00 Disclosures & Notices OUCU Financial provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices, and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you. eStatement & Disclosure Hardware & Software Requirements Access Requirements. You must have access to a computer with a web browser that meets the current browser specifications posted on XXXX.xxx. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements posted on XXXX.xxx. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking. To retain your statement, you must have a hard drive or another storage device to "Save" the file(s). Alternatively, for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or another device you use to access and view your statements. I hereby consent to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature that would otherwise be provided to me in paper form. I understand that I have the right to receive the aforementioned documents in paper form if I so choose and that I may withdraw consent to receive electronic documents at any time. I understand that by electing to receive the above electronically, I will not receive these documents in paper form by mail or otherwise. I may receive delivery of these documents electronically or in paper form, but not both. I understand that I must inform the Credit Union of changes to my email address. Arbitration: Waiver of Jury Trial.