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. 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. • 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 In case of errors or questions about your Transaction(s); 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 or write us as indicated in Section I (2) as soon as possible as described below in the “Notices” sectionyou can. We must hear from you no later than 60 days after we sent the first FIRST statement on which the problem or error appeared. • You will need to provide the following: a. Tell us your name and account number. • Account number (if any). b. 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. • . c. 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. We will tell you the results of our investigation within 10 Business Days (20 Business Days involving 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 for Transactions involving a new Account or any foreign- initiated Transactions or any Transaction conducted at a POS Terminal) to investigate your complaint or question. If we decide to do this, we will provisionally recredit your Account within 10 Business Days (20 Business Days for Transactions involving a new Account) for the amount you think is in error, so that you have 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 by the time we would otherwise recredit your Account as provided in the prior sentence, we may not recredit your Account. An Account is considered a “new” Account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask us for copies of the documents that we used in our investigation. • 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. We will determine whether an error occurred within 10 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 questions (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 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 Days, we may not re-credit your account. 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. • 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 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 linebelow.