Common use of Errors or Questions Clause in Contracts

Errors or Questions. If you think your statement or any account or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreement. We must hear from you no later than 60 days after we make available to you the FIRST statement on which the problem or error appeared. When you notify us: (i) tell us your name and account number, (ii) describe the error or the transfer you are unsure about (including the date it occurred), and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell us the dollar amount of the suspected error. If you tell us in person or by telephone, we may require that you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five (45) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not provisionally credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide 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.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn’t make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000 or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services; P.O. Box 550578; Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. In case of errors or questions about your electronic payments or transfers using the Services, contact us as noted above in the Contact in Event of Unauthorized Use section. If you think your statement or any account or transaction information reflected on Online Banking is wrong incorrect or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach on the statement, contact us by telephone, you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreementas soon as possible. We must hear from you no not later than 60 sixty (60) days after we make available to you sent the FIRST first statement on which the problem or error appeared. When , and you notify usmust: (i) tell us ▪ Indicate your name and account Account number, (ii) describe the error or ; ▪ Describe the transfer you are unsure about (including the date it occurred), or other error; clearly and concisely explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell us ; ▪ Indicate the dollar amount of the suspected error. If you verbally tell us in person or by telephoneus, we may require that you follow up send your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days Days. We may also require you to provide your complaint in the form of your oral noticean affidavit. We will determine whether an error occurred let you know the results of our investigation within ten (10) business days after we hear from you 10 Business Days and will promptly correct any error promptlyerror. If we need more time, howevertime is needed, we may take up to forty- five (45) 45 days to investigate and address your complaint or question. If we decide to do this, and your Account is a Consumer Accountso, we will provisionally re-credit your account Account within ten (10) 10 Business Days for the amount you think is believe to be in error, so that error in order for you will to have the use of the your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days10 Business Days, we may not provisionally re-credit your accountAccount. For errors involving If you are a new accountsmember, we may take up for electronic funds transfer occurring during the first 30 days after the first deposit is made to 90 days to investigate your complaint or question. For new accountsAccount, we may take the applicable time periods for action by us is up to 20 business Business Days (instead of 10) and 90 calendar days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationinstead of 45). If we decide determine that there was is no error, we will send you a written explanationremit an explanation within 3 Business Days after completion of our investigation. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If you think In case of errors or questions about your statement or any account or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephonetransactions, you may send should as soon as possible notify us a message through via one of the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us methods listed at the address for disputes provided below or in your Cardholder end of this Agreement. We must hear from you no later than 60 days after we make available to you sent the FIRST statement on which the problem or error appearedappears. When you notify usnotifying us of the error or question: (i) tell • Tell us your name and account number, (ii) describe ; • Describe the error or the transfer you are unsure about (including the date it occurred), and explain as clearly as you can why you believe it is an error or why you need more information, . • Tell us the date and (iii) tell us the dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you follow up send us your oral notice complaint or questions question in writingwriting within 10 business days. If we require written noticeask you to put your complaint or question in writing and we do not receive it within 10 business days, we must receive this writing within 10 Business Days of may not credit your oral noticeaccount. We will determine whether an error occurred within ten (10) 10 business days (20 business days if your account has been opened for 30 days or less) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five 45 days (4590 days if your account has been open for 30 days or less) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten 10 business days (1020 business days if your account has been open 30 days or less) 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 do not receive it within ten (10) business daysare a new customer, we may not provisionally credit your account. For errors involving an account is considered a 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 credit your account for 30 days after the amount you think first deposit is in errormade. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.. Account Information Disclosure It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000 or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services X.X. Xxx 000000 Xx. Xxxxxxxxxx, XX 00000. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxxx@xxxxxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0- 000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this document, as soon as you can, if you think your statement or any account or transaction information reflected on Online Banking is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreementstatement. We must hear from you no later than 60 days after we make available to you sent the FIRST statement on which the problem or error appeared. When you notify us: (i) tell • Tell us your name and account number, (ii) describe . • Describe the error or the transfer you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . • Tell us the date and dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you follow up send us your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticebusiness days. Every day is a business day except Saturdays, Sundays and Federal Holidays. We will determine whether an error occurred within ten (10) 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five 45 days (4590 days if the transfer involved a new account or a foreign-initiated transfer) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten 10 business days (1020 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 the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) within10 business days, we may not provisionally credit your account. For errors involving Your account is considered a 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 credit your account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. This does not apply to ATM transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card, provided such transactions take place on the Visa® network. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re- credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you believe there has been an error or you have a question about a transfer, please call or write to us as soon as you can if you think your statement or any account or transaction information reflected on Online Banking passbook is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch statement or write us at the address for disputes provided below or in your Cardholder Agreementpassbook. We must hear from you no later than 60 days Calendar Days after we make available to sent you the FIRST statement on which the problem or error appeared. When you notify usA statement is considered to have been sent when it is first made available. East Wisconsin Savings Bank 000 X. Xxxxxx Xxxxxx Xxxxxxxx, XX 00000-0000 Phone: 000-000-0000 Business Days: Monday through Friday Business Hours: 8:30 A.M. to 5:00 P.M. (iCST) tell (Holidays Excluded) You Must: • Tell us your name and account Account number, (ii) describe . • Describe the error or the transfer you are unsure about (including the date it occurred)about, and clearly explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . • Tell us the dollar amount and date of the suspected error. • It will be helpful to us if you also give us a telephone number at which you can be reached during business hours in case we need any further information. • If you tell us in person or by telephoneorally, we may have the right to require that you follow up to also send us your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticecalendar days following the date you notified us. We will determine whether an error occurred within ten (10) business 10 calendar days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five (45) 45 calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account Account within ten (10) Business Days 10 calendar days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationAccount. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigationinvestigation and we must make these available to you for your inspection. For a reasonable fee covering our duplication costs, we will provide you with copies of any such documents that you request. If your alleged error concerns a transfer to or from a third party (for example, a social security payment), our investigation may be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter further.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (000) 000-0000, contact us online at xxx.xxxxxxxxx.xxx, or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxx.xxxxxxxxxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Does not apply to ATM transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card, provided such transactions take place on the Visa® Network. For all other unauthorized transactions, you may be liable for up to $50. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re- credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxx.000xxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 1-866- 760-3156. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn’t make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000 or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services; P.O. Box 550578; Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you believe there has been an error or you have a question about a transfer, please call or write to us as soon as you can if you think your statement or any account or transaction information reflected on Online Banking passbook is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch statement or write us at the address for disputes provided below or in your Cardholder Agreementpassbook. We must hear from you no later than 60 days Calendar Days after we make available to sent you the FIRST statement on which the problem or error appeared. When you notify usA statement is considered to have been sent when it is first made available. Cheesehead Bank™ (a division of East Wisconsin Savings Bank) 000 X. Xxxxxx Xxxxxx Xxxxxxxx, XX 00000-0000 Phone: (i000) tell 000-0000 Business Days: Monday through Friday Business Hours: 8:30 A.M. to 5:00 P.M. (CST) (Holidays Excluded) You Must: • Tell us your name and account Account number, (ii) describe . • Describe the error or the transfer you are unsure about (including the date it occurred)about, and clearly explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . • Tell us the dollar amount and date of the suspected error. • It will be helpful to us if you also give us a telephone number at which you can be reached during business hours in case we need any further information. • If you tell us in person or by telephoneorally, we may have the right to require that you follow up to also send us your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticecalendar days following the date you notified us. We will determine whether an error occurred within ten (10) business 10 calendar days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five (45) 45 calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account Account within ten (10) Business Days 10 calendar days for the amount you think is in error, error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationAccount. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigationinvestigation and we must make these available to you for your inspection. For a reasonable fee covering our duplication costs, we will provide you with copies of any such documents that you request. If your alleged error concerns a transfer to or from a third party (for example, a social security payment), our investigation may be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter further.

Errors or Questions. If In case of errors or questions involving accounts accessed through Homebanking, you think should do one of the following: Send E-mail to IFFCU Member Services after signing into your account with a secure session. Call IFFCU at (000) 000-0000, (000) 000-0000 or (000) 000-0000. Write to IFFCU, P.O. Box 604, Powers, MI 49874, Attn: Member Service Department, as soon as you identify any errors or discrepancies in your statement or any account or transaction information reflected on Online Banking is wrong record, or if you need more information about a transaction listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch statement or write us at the address for disputes provided below or in your Cardholder Agreementtransaction record. We must hear from you no later than 60 sixty (60) days after we make available to you have sent the FIRST statement first paper or electronic state- ment 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. When you notify ustell us about the problem, please: (i) tell Tell us your name and account number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it be- lieve there is an error or why you need more additional information, and (iii) tell . Tell us the dollar amount of the any suspected error. If we ask you tell us to put your complaint or question in person or by telephonewriting and we do not receive it within 10 business days, we may require that you follow up not be able to re-credit your oral notice or questions in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticeaccount. We will determine whether an error occurred tell you the results of our investigation within ten (10) business 10 busi- ness days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five (45) 45 calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account within ten (10) Business Days 10 business days for the amount you think is in error, 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 do not receive it within ten (10) business days, we may not provisionally credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide there was no error, we will send you a written explanationexplanation within three (3) business days after we finish our investi- gation. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If you think (Regulation E Notice) In the event of any errors or questions regarding your statement or any account or transaction information reflected on Online Banking is wrong electronic transfers or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through the Secure Online Message Center, but believe that your statement is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreement. We incorrect we must hear from you no later than 60 days after we make available to you sent the FIRST first statement on which the problem or error appeared. When you notify usYou must: (i) tell Write us at Solvay Bank, PO Box 19050, Syracuse, New York 13209 or Telephone us during regular banking hours at 000-000-0000 or 000-000-0000 and; Provide us with your name and account number, (ii) describe number Explain in detail the error or the transfer you are unsure about (including the date it occurred), and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell possible unauthorized transaction in question Give us the exact dollar amount of the suspected error. in question If you tell contact us in person or by telephone, we may will require that you follow up your oral notice send the error or questions complaint in writing. If we require written notice, we must receive this writing within 10 Business Days days of your providing the oral notice. We will determine whether If the error involves an error occurred electronic fund transfer to or from an account within ten (10) business 30 days after we hear from you and will correct any error promptly. If we need more timethe first deposit to the account was made, however, we may take up to forty- five (45) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not provisionally credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we Bank may take up to 20 business days to credit your account for the amount you think is in errorinvestigate. We will tell you report the results of the investigation to you by letter within three (3) business days after completing our the investigation and will correct the error within one business day after determining that an error occurred. If the Bank is unable to complete the investigation within 10 business days, it may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred. For Point of Sale Debit Card Transactions (POS), transfers that were initiated out of state and on new accounts where the notice of error occurred within 30 days after the first deposit to the account, the applicable time is 90 days for completing the investigation. We will provide a provisional credit to your account within 10 business days of receiving the error notice, 20 days for accounts where a notice of error occurred within 30 days after the first deposit to the account was made. You will be informed by letter within 2 business days after the provisional crediting, during the investigation, of the amount and date of the provisional crediting. You will also be advised that you will have full use of the funds during the investigation. Upon completion of the investigation, the Bank will notify you, by letter, of its findings within three business days. If we decide that there was no error, we will send you a written explanation. If provisional credit was applied, we will debit the account within one day and notify you of the date and amount of the debiting. The Bank will also notify you that the Bank will honor checks, drafts or similar instruments payable to third parties and preauthorized transfers from your account without an overdraft charge to you for five business days after the notification. The Bank will honor items as specified in the notice, but need honor only items that it would have paid if the provisionally credited funds had not been debited. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If you think (Regulation E Notice) In the event of any errors or questions regarding your statement or any account or transaction information reflected on Online Banking is wrong electronic transfers or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through the Secure Online Message Center, but believe that your statement is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreement. We incorrect we must hear from you no later than 60 days after we make available to you sent the FIRST first statement on which the problem or error appeared. When you notify usYou must: (i) tell • Write us at Solvay Bank, PO Box 19050, Syracuse, New York 13209 or • Telephone us during regular banking hours at 000-000-0000 or 000-000-0000 and; • Provide us with your name and account number, (ii) describe number • Explain in detail the error or the transfer you are unsure about (including the date it occurred), and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell possible unauthorized transaction in question • Give us the exact dollar amount of the suspected error. in question If you tell contact us in person or by telephone, we may will require that you follow up your oral notice send the error or questions complaint in writing. If we require written notice, we must receive this writing within 10 Business Days days of your providing the oral notice. We will determine whether If the error involves an error occurred electronic fund transfer to or from an account within ten (10) business 30 days after we hear from you and will correct any error promptly. If we need more timethe first deposit to the account was made, however, we may take up to forty- five (45) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not provisionally credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we Bank may take up to 20 business days to credit your account for the amount you think is in errorinvestigate. We will tell you report the results of the investigation to you by letter within three (3) business days after completing our the investigation and will correct the error within one business day after determining that an error occurred. If the Bank is unable to complete the investigation within 10 business days, it may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred. For Point of Sale Debit Card Transactions (POS), transfers that were initiated out of state and on new accounts where the notice of error occurred within 30 days after the first deposit to the account, the applicable time is 90 days for completing the investigation. We will provide a provisional credit to your account within 10 business days of receiving the error notice, 20 days for accounts where a notice of error occurred within 30 days after the first deposit to the account was made. You will be informed by letter within 2 business days after the provisional crediting, during the investigation, of the amount and date of the provisional crediting. You will also be advised that you will have full use of the funds during the investigation. Upon completion of the investigation, the Bank will notify you, by letter, of its findings within three business days. If we decide that there was no error, we will send you a written explanation. If provisional credit was applied, we will debit the account within one day and notify you of the date and amount of the debiting. The Bank will also notify you that the Bank will honor checks, drafts or similar instruments payable to third parties and preauthorized transfers from your account without an overdraft charge to you for five business days after the notification. The Bank will honor items as specified in the notice, but need honor only items that it would have paid if the provisionally credited funds had not been debited. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If you think there is an error involving a transaction made w ith your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at w xx.XxxXxxXX.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportw rite to us at: Cardholder Services P.O. Box 7235, Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, w e may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementw riting w ithin 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why w hy you believe it is an error or why w hy you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If Generally, w e w ill tell you tell us in person or by telephone, we may require that you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing within the results of our investigation w ithin 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we w e hear from you and will w ill correct any error promptly. If we w e need more time, howeverhow ever, we w e may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we w e decide to do this, and your Account is a Consumer Account, we will provisionally w e w ill re-credit your account within ten (10) Business Days Card w ithin 10 business days for the amount you think is in error, so that you will w ill have the use of the money during the time it takes us to complete our investigation. If we w e ask you to put your complaint or question in writing w riting and w e do not receive it within ten (10) w ithin 10 business days, we w e may not provisionally re-credit your accountCard. For errors involving new accountsIf w e decide that there w as no error, 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 w e w ill send you think is in error. We will tell you the results within three (3) x x xxxxxx explanation w ithin 3 business days after completing w e finish our investigation. If we decide there was no error, we will send you a written explanationinvestigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we w e used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you w ill not be liable for any unauthorized transactions made w ith your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any w ay. Any unauthorized transactions w ill be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us w ithin 60 days after the transaction w as posted to your account, you may not get back any money you lost if w e can prove w e could have stopped someone from fraudulently using the Card if you had told us in time. If w e believe that a good reason kept you from telling us, w e w ill extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 000-000-0000, e-mail us at XxxxxXXX.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five (45) 45 calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within three (3) business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. This does not apply to ATM transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card, provided such transactions take place on the Visa® network. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in five (5) business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If In Case of Errors or Questions About your Electronic Transfers, call us at the telephone number or write us at the address listed below, as soon as you can, if you think your statement or any account or transaction information reflected on Online Banking receipt is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch statement or write us at the address for disputes provided below or in your Cardholder Agreementreceipt. We must hear from you no later than 60 days after we make available to you sent the FIRST statement on which the problem or error appeared. When you notify us: (i) tell Tell us your name and account number, (ii) describe . Describe the error or the transfer you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you follow up send us your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticebusiness days. We will determine whether an error occurred within ten (10) 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five 45 days (4590 days if the transfer involved a new account, a point-of- sale transaction, or a foreign-initiated transfer) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten 10 business days (1020 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 the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally credit your account. For errors involving Your account is considered a 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 credit your account for the amount first 30 days after the first deposit is made, unless you think already have an established account with us before the account is in erroropened. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.. Business Days: Monday through Friday, 9:00 a.m. to 5:00 p.m. Excluding Federal Holidays Citizens Bank of Ada 000 X. 00XX XX. Ada, OK 74820 (000)000-0000 Disclosure of Account Information to Third Parties We will disclose information to third parties about your account or the transactions you make only:

Errors or Questions. If you think (Regulation E Notice) In the event of any errors or questions regarding your statement or any account or transaction information reflected on Online Banking is wrong electronic transfers or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through the Secure Online Message Center, but believe that your statement is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreement. We incorrect we must hear from you no later than 60 days after we make available to you sent the FIRST first statement on which the problem or error appeared. When you notify usYou must: (i) tell Write us at Solvay Bank, XX Xxx 00000, Xxxxxxxx, Xxx Xxxx 00000 or Telephone us during regular banking hours at 000-000-0000 or 000-000-0000 and; Provide us with your name and account number, (ii) describe number Explain in detail the error or the transfer you are unsure about (including the date it occurred), and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell possible unauthorized transaction in question Give us the exact dollar amount of the suspected error. in question If you tell contact us in person or by telephone, we may will require that you follow up your oral notice send the error or questions complaint in writing. If we require written notice, we must receive this writing within 10 Business Days days of your providing the oral notice. We will determine whether If the error involves an error occurred electronic fund transfer to or from an account within ten (10) business 30 days after we hear from you and will correct any error promptly. If we need more timethe first deposit to the account was made, however, we may take up to forty- five (45) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not provisionally credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we Bank may take up to 20 business days to credit your account for the amount you think is in errorinvestigate. We will tell you report the results of the investigation to you by letter within three (3) business days after completing our the investigation and will correct the error within one business day after determining that an error occurred. If the Bank is unable to complete the investigation within 10 business days, it may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred. For Point of Sale Debit Card Transactions (POS), transfers that were initiated out of state and on new accounts where the notice of error occurred within 30 days after the first deposit to the account, the applicable time is 90 days for completing the investigation. We will provide a provisional credit to your account within 10 business days of receiving the error notice, 20 days for accounts where a notice of error occurred within 30 days after the first deposit to the account was made. You will be informed by letter within 2 business days after the provisional crediting, during the investigation, of the amount and date of the provisional crediting. You will also be advised that you will have full use of the funds during the investigation. Upon completion of the investigation, the Bank will notify you, by letter, of its findings within three business days. If we decide that there was no error, we will send you a written explanation. If provisional credit was applied, we will debit the account within one day and notify you of the date and amount of the debiting. The Bank will also notify you that the Bank will honor checks, drafts or similar instruments payable to third parties and preauthorized transfers from your account without an overdraft charge to you for five business days after the notification. The Bank will honor items as specified in the notice, but need honor only items that it would have paid if the provisionally credited funds had not been debited. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. In case of errors or questions about the Services, please contact us as soon as possible, as follows: Telephone us at: 1-877-MTB-HSA1 / 0-000-000-0000 Write us at: M&T Bank PO Box 2032 Milwaukee WI 53201-2032 E-mail us through internal e-mail. If you think that your statement or any account or transaction information reflected on Online Banking is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreementstatement. We must hear from you no later than 60 days after we make available to you sent the FIRST statement on which the problem or error appeared. When you notify us: (i) tell Tell us your name and account number, (ii) describe . Describe the error or the transfer you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you follow up send us your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticebusiness days. We will determine whether an error occurred tell you the results of our investigation within ten (10) 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five (45) 45 days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit recredit your account within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally credit recredit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If In case of errors or questions about your Internet Banking call the Bank at 000- 000-0000, or write to us at Muenster State Bank, P.O. Box 100, Muenster TX 76252, as soon as you can, if you think your statement or any account or transaction information reflected on Online Banking receipt is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch statement or write us at the address for disputes provided below or in your Cardholder Agreementreceipt. We must hear from you no later than 60 days after we make available to you sent the FIRST statement on which the problem or error appeared. When you notify us: (i) tell • Tell us your name and account number, (ii) describe . • Describe the error or the transfer you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . • Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may will require that you follow up send us your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticeDays. We will determine whether an error occurred within ten 10 Business Days (1020 Business Days if the transfer involved a new account) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five 45 days (4590 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten (10) 10 Business Days (20 Business Days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days10 Business Days, we may not provisionally credit your account. For errors involving Your account is considered a 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 credit your account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before the account is in erroropened. We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.investigation.‌

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY an incorrect amount charged to your Card, please call us at Online Banking Support0-000-000-0000, e-mail us at xxxxxxxxxxxxxx@xxxxx.xxx, write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (855) 000-0000, e-mail us at xxx.xxxxxxxxx.xxx/xxxxxxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxxxx@xxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions.. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card,. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxxxxxxxxx@xxxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. This does not apply to ATM transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card, provided such transactions take place on the Visa® network. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If In case of errors or questions about your Internet Banking call the Bank at 000- 000-0000, or write to us at Muenster State Bank, P.O. Box 100, Muenster TX 76252, as soon as you can, if you think your statement or any account or transaction information reflected on Online Banking receipt is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch statement or write us at the address for disputes provided below or in your Cardholder Agreementreceipt. We must hear from you no later than 60 days after we make available to you sent the FIRST statement on which the problem or error appeared. When you notify us: (i) tell • Tell us your name and account number, (ii) describe . • Describe the error or the transfer you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . • Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may will require that you follow up send us your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticeDays. We will determine whether an error occurred within ten 10 Business Days (1020 Business Days if the transfer involved a new account) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five 45 days (4590 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten (10) 10 Business Days (20 Business Days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days10 Business Days, we may not provisionally credit your account. For errors involving Your account is considered a 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 credit your account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before the account is in erroropened. We will tell you the results within three (3) business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigationinvestigation.‌ .

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (000) 000-0000, or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxxxxxxxxxxx@xxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxxx@xxxxxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxx.xxxxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. In case of errors or questions about your electronic payments or transfers using the Services, contact us as noted above in the Contact in Event of Unauthorized Use section. If you think your statement or any account or transaction information reflected on Online Banking is wrong incorrect or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach on the statement, contact us by telephone, you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreementas soon as possible. We must hear from you no not later than 60 sixty (60) days after we make available to you sent the FIRST first statement on which the problem or error appeared. When , and you notify usmust: (i) tell us  Indicate your name and account Account number, (ii) describe the error or ;  Describe the transfer you are unsure about (including the date it occurred), or other error; clearly and concisely explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell us ;  Indicate the dollar amount of the suspected error. If you verbally tell us in person or by telephoneus, we may require that you follow up send your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days Days. We may also require you to provide your complaint in the form of your oral noticean affidavit. We will determine whether an error occurred let you know the results of our investigation within ten (10) business days after we hear from you 10 Business Days and will promptly correct any error promptlyerror. If we need more time, howevertime is needed, we may take up to forty- five (45) 45 days to investigate and address your complaint or question. If we decide to do this, and your Account is a Consumer Accountso, we will provisionally re-credit your account Account within ten (10) 10 Business Days for the amount you think is believe to be in error, so that error in order for you will to have the use of the your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days10 Business Days, we may not provisionally re-credit your accountAccount. For errors involving If you are a new accountsmember, we may take up for electronic funds transfer occurring during the first 30 days after the first deposit is made to 90 days to investigate your complaint or question. For new accountsAccount, we may take the applicable time periods for action by us is up to 20 business Business Days (instead of 10) and 90 calendar days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationinstead of 45). If we decide determine that there was is no error, we will send you a written explanationremit an explanation within 3 Business Days after completion of our investigation. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this document, as soon as you can, if you think your statement or any account or transaction information reflected on Online Banking is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY at Online Banking Support. If you cannot reach us by telephone, you may send us a message through on the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch or write us at the address for disputes provided below or in your Cardholder Agreementstatement. We must hear from you no later than 60 days after we make available to you sent the FIRST statement on which the problem or error appeared. When you notify us: (i) tell • Tell us your name and account number, (ii) describe . • Describe the error or the transfer you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . • Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneorally, we may require that you follow up send us your oral notice complaint or questions question in writing. If we require written notice, we must receive this writing within 10 Business Days of your oral noticebusiness days. Every day is a business day except Saturdays, Sundays and Federal Holidays. We will determine whether an error occurred within ten (10) 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five 45 days (4590 days if the transfer involved a new account or a foreign-initiated transfer) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten 10 business days (1020 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 the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally credit your account. For errors involving Your account is considered a 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 credit your account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If you think your statement is wrong, or any account or transaction information reflected on Online Banking is wrong or if you need more information about a transfer listed transfer CALL US IMMEDIATELY on the statement, contact Citizens First Bank at Online Banking Support. If you cannot reach us by telephone, you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch 000-000-0000 or write us at the address for disputes provided below or in your Cardholder Agreement0000 Xxxxxxx Xxx, Xxxxxxx, XX 00000.  We must hear from you no later than 60 days after we make available to you sent the FIRST statement on which the problem or error appearedappears.  When you notify notifying us: (i) , tell us your name name, user ID and account number, (ii) describe .  Describe the error or on the transfer you are unsure about (including the date it occurred)in question, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell .  Tell us the date and dollar amount of the suspected error.  If you tell us in person or by telephoneorally, we may require that you follow up send us your oral notice complaint or questions question in writingwriting within 10 business days. If we require written noticeask you to put your complaint or question in writing and we do not receive it within 10 business days, we must receive this writing within 10 Business Days of may not credit your oral noticeaccount.  We will determine whether an error occurred within ten (10) 10 business days (20 business days if your account has been opened for 30 days or less) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five 45 days (4590 days if your account has been open for 30 days or less) days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally credit your account within ten 10 business days (1020 business days if your account has been opened for 30 days or less) 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 do not receive it within ten (10) business daysare a new customer, we may not provisionally credit your account. For errors involving an account is considered a 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 credit your account for 30 days after the amount you think first deposit is in errormade.  We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxx.xxxxxxxxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us through internet banking at XxxxxXX.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Does not apply to ATM transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card, provided such transactions take place on the Visa® network. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at 0-000-000-0000, e-mail us at xxxx://xxxx.xxx or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, 0-000-000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your statement Card such as a purchase you didn't make or any account an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxxx://xxxx.xxx/ or transaction information reflected on Online Banking is wrong or if you need more information about a listed transfer CALL US IMMEDIATELY at Online Banking Supportwrite to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you cannot reach tell us by telephoneorally, we may require that you may send us a message through the Secure Online Message Center, but that is not the fastest way of contacting us. Alternatively, you may visit your local branch claim or write us at the address for disputes provided below or question in your Cardholder Agreementwriting within 10 business days. We must hear from you no later than 60 days after we make available the transaction is posted to you the FIRST statement on which the problem or error appearedyour account. When you notify us: (i) tell Tell us your name and account Card number, (ii) describe . Describe the error or the transfer transaction you are unsure about (including the date it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information, and (iii) tell . Tell us the dollar amount of the suspected error. If you tell us in person or by telephoneGenerally, we may require that will tell you follow up your oral notice or questions in writing. If we require written notice, we must receive this writing the results of our investigation within 10 Business Days of your oral notice. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, and your Account is a Consumer Account, we will provisionally re-credit your account Card within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provisionally re-credit your account. 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 credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Unauthorized Use of Your Card Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you are grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.