Common use of Errors or Questions About Your Electronic Transactions Clause in Contracts

Errors or Questions About Your Electronic Transactions. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, please call us as soon as possible as described below in the “Notices” section. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. • If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. The following provisions apply only to Consumer Accounts: 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 within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The following provisions apply only to Consumer Accounts: Liability for Failure to Make Payments. If we do not make a transfer on time or in the correct amount according to your instructions given in accordance with this Agreement, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable if: • You have not properly followed the instructions on how to make a transfer contained in this Agreement • Your computer, the phone lines, or our computer systems were not working properly or were temporarily unavailable, and the problem should have been apparent to you when you attempted the transfer • We have placed a “hold” on funds in your account with your knowledge or in accordance with reasonable business procedures • We have received incomplete or inaccurate information from you or a third party involving the account or transfer • A court order such as a garnishment or other legal process prevents us from making a transfer • We have a reasonable basis for believing that unauthorized use of your account number and/or password or designated account has occurred or may be occurring or if you default under this Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement • If, through no fault of ours, you do not have enough money in your account to make the transfer or payment • If the transfer or payment would go over the credit limit on your overdraft line • A payee mishandles or causes delays in handling payments sent by us • You have not provided us with the correct payee name, address, account information, or payment amount circumstances beyond our control prevent the proper completion of the Transaction despite reasonable precautions by us to avoid these circumstances. Such circumstances include, but are not limited to, fire, flood, delay in U.S. mail, interruption in your electrical power, telephone, or internet access, the disconnection of your telephone line or internet access by your local telephone company or internet service provider or from deficiencies in your line quality, or any defect or malfunction of your PC, operating software, modem, router, or telephone line.

Errors or Questions About Your Electronic Transactions. If you think there is an error on your statement or receipt, or if you have a question about your electronic transactions, telephone or write to us at the telephone number or address of the Bank that is printed on your periodic account activity statement. Call or write us as soon as you can, if you think your statement or receipt is wrong wrong, or if you need more information about a transfer transaction listed on the statement or receipt, please call us as soon as possible as described below in the “Notices” section. We must hear from you no later than 60 days after we sent you the first statement on which the problem or error appeared. • Tell us your name and account number. • Describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. • If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 business daysBusiness Days. The following provisions apply only to Consumer Accounts: We will determine whether an error occurred within 10 business days Business Days after we hear from you (20 Business Days for transfers to or from an account within 30 days after the first deposit to the account was made) and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questionquestions (90 days for point-of-sale transactions, transactions initiated outside the United States or transfers to or from an account within 30 days after the first deposit to the account was made). If we decide to do this, we will re-credit your account within 10 business Business Days (20 Business Days for transfers to or from an account within 30 days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysBusiness Days, we may not re-credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The following provisions apply only to Consumer Accounts: Liability for Failure to Make Payments. If we do not make a transfer on time or in the correct amount according to your instructions given in accordance with this Agreement, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable if: • You have not properly followed the instructions on how to make a transfer contained All addresses and telephone numbers referenced in this Agreement • Your computer, the phone lines, or our computer systems were not working properly or were temporarily unavailable, and the problem should have been apparent to you when you attempted the transfer • We have placed a “hold” on funds are in your account with your knowledge or in accordance with reasonable business procedures • We have received incomplete or inaccurate information from you or a third party involving the account or transfer • A court order such as a garnishment or other legal process prevents us from making a transfer • We have a reasonable basis for believing that unauthorized use of your account number and/or password or designated account has occurred or may be occurring or if you default under this Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement • If, through no fault of ours, you do not have enough money in your account to make the transfer or payment • If the transfer or payment would go over the credit limit on your overdraft line • A payee mishandles or causes delays in handling payments sent by us • You have not provided us with the correct payee name, address, account information, or payment amount circumstances beyond our control prevent the proper completion of the Transaction despite reasonable precautions by us to avoid these circumstances. Such circumstances include, but are not limited to, fire, flood, delay in U.S. mail, interruption in your electrical power, telephone, or internet access, the disconnection of your telephone line or internet access by your local telephone company or internet service provider or from deficiencies in your line quality, or any defect or malfunction of your PC, operating software, modem, router, or telephone linesection 10.

Errors or Questions About Your Electronic Transactions. If you think there is an error on your statement or receipt, or if you have a question about your electronic transactions, telephone or write to us at the telephone number or address of the Bank that is printed on your periodic account activity statement. Call or write us as soon as you can, if you think your statement or receipt is wrong wrong, or if you need more information about a transfer transaction listed on the statement or receipt, please call us as soon as possible as described below in the “Notices” section. We must hear from you no later than 60 days after we sent you the first statement on which the problem or error appeared. •  Tell us your name and account number. •  Describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. •  Tell us the dollar amount of the suspected error. • If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 business daysBusiness Days. The following provisions apply only to Consumer Accounts: We will determine whether an error occurred within 10 business days Business Days after we hear from you (20 Business Days for transfers to or from an account within 30 days after the first deposit to the account was made) and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questionquestions (90 days for point-of-sale transactions, transactions initiated outside the United States or transfers to or from an account within 30 days after the first deposit to the account was made). If we decide to do this, we will re-credit your account within 10 business Business Days (20 Business Days for transfers to or from an account within 30 days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysBusiness Days, we may not re-credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The following provisions apply only to Consumer Accounts: Liability for Failure to Make Payments. If we do not make a transfer on time or in the correct amount according to your instructions given in accordance with this Agreement, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable if: • You have not properly followed the instructions on how to make a transfer contained All addresses and telephone numbers referenced in this Agreement • Your computer, the phone lines, or our computer systems were not working properly or were temporarily unavailable, and the problem should have been apparent to you when you attempted the transfer • We have placed a “hold” on funds are in your account with your knowledge or in accordance with reasonable business procedures • We have received incomplete or inaccurate information from you or a third party involving the account or transfer • A court order such as a garnishment or other legal process prevents us from making a transfer • We have a reasonable basis for believing that unauthorized use of your account number and/or password or designated account has occurred or may be occurring or if you default under this Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement • If, through no fault of ours, you do not have enough money in your account to make the transfer or payment • If the transfer or payment would go over the credit limit on your overdraft line • A payee mishandles or causes delays in handling payments sent by us • You have not provided us with the correct payee name, address, account information, or payment amount circumstances beyond our control prevent the proper completion of the Transaction despite reasonable precautions by us to avoid these circumstances. Such circumstances include, but are not limited to, fire, flood, delay in U.S. mail, interruption in your electrical power, telephone, or internet access, the disconnection of your telephone line or internet access by your local telephone company or internet service provider or from deficiencies in your line quality, or any defect or malfunction of your PC, operating software, modem, router, or telephone linesection 10.