Common use of Errors or Questions Clause in Contracts

Errors or Questions. If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 transactions, you think there is an error involving a transaction made with your Card such should as a purchase you didn't make or an incorrect amount charged to your Card, please call soon as possible notify us via one of the methods listed at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business daysthe end of this Agreement. We must hear from you no later than 60 days after we sent the transaction is posted to your accountFIRST statement on which the problem or error appears. When notifying us of the error or question: • Tell us your name and Card account number. ; • Describe the error or the transaction transfer you are unsure about, about 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 the dollar amount of the suspected error. GenerallyIf you tell us orally, we will tell may require that you the results of our investigation send us your complaint or question in writing within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigationdays. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. We will determine whether an error occurred within 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 45 days (90 days if your account has been open for 30 days or less) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if your account has been open 30 days or less) 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 you are a new customer, an account is considered a new account for 30 days after the first deposit is made. 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 within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. Our zero liability It is our general 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 treat your account history has transactions that you did not make, tell us at once by calling, toll-free, (000) 000-0000information as confidential. 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 usHowever, we will extend disclose information to third parties about your account or the time periods.transactions you make ONLY in the following situations:

Errors or Questions. If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxx.xxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 Call or write us, as explained in Section 23, as soon as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect and the dollar amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355involved. c. Approximately when the error took place. If you tell us orally, we may require that you send us your claim complaint or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is will determine whether an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation occurred within 10 business days after we hear of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have use of access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 conductneed more information about our error-resolution procedures, 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 call us, we will extend the time periodsas explained in Section 23, or visit xxx.xxxxxx.xxx.

Errors or Questions. If Call or write us, as explained in Section 23, as soon as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number b. Why you believe there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect and the dollar amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. involved c. Approximately when the error took place If you tell us orally, we may require that you send us your claim complaint or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is will determine whether an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation occurred within 10 business days after we hear of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have use of access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three business days of completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 conductneed more information about our error resolution procedures, 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 call us, we will extend the time periodsas explained in Section 23, or visit xxxxxxxxxxxxx.xxx.

Errors or Questions. If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 0-000-0000, e000-mail us at xxx.xxxxxxxxxxxx.xxx 0000 or write to us at: Cardholder Services P.O. Box 550578 FtX.X. Xxx 000000 Xx. LauderdaleXxxxxxxxxx, FL 33355XX 00000. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 In case of errors or questions about your Card such as a purchase you didn't make or an incorrect amount charged to your Cardelectronic transfers, please call telephone us at at: (000) 000-0000, e0000 or toll-mail us free at xxx.xxxxxxxxxxxx.xxx 1 800-342-8422 or write to us at: Cardholder Services P.O. Box 550578 Ft. LauderdaleCentral Pacific Bank Attn: Electronic Banking Department X.X. Xxx 0000 Xxxxxxxx, FL 33355. If XX 00000-0000 as soon as you tell us orallycan, we may require that if you send think your claim statement or question in writing within 10 business daysreceipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the transaction is posted to your account. FIRST statement on which the error or problem appeared. (1) Tell us your name and Card number. account number (if any). (2) Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. . (3) Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxxx@xxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 I will telephone you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx 0000 or write to us atEagleBank Online, Attention: Cardholder Services P.O. Box 550578 FtElectronic Banking Department, EagleBank 0000 Xxx Xxxxxxxxxx Xx, Xxxxxxxx, XX 00000 as soon as I can, if I think my statement or receipt is wrong or if I need more information about a Bill Payment or Transfer listed on the statement or receipt. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We You must hear from you me no later than 60 days after you send the transaction statement on which the problem or error appeared. A statement is posted considered to your accounthave been sent when it is first made available. I must: 1. Tell us your you my name and Card account number 2. Describe the error or the transaction you are payment I am unsure about, and explain as clearly as you I can why you I believe it is an error or why you I need more information. 3. Tell us you the dollar amount of the suspected error. Generally, we will If I tell you verbally, you may require that I send my complaint or question in writing within ten business days. You may require me to provide my complaint in the form of an affidavit. You will inform me of the results of our your investigation within 10 ten business days (20 business days if the suspected error involved a new account) after we you hear from you me and will correct any error promptly. If we you need more time, however, we you may take up to forty-five (45) 45 calendar days (90 days if outside the United States or if it occurred at a merchant location for the purchase of goods or services) to investigate your my complaint or question. If we you decide to do this, we you will re-credit your Card my account within 10 ten business days (20 business days if the suspected error occurred outside the United States, if it occurred at a merchant location for the purchase of goods and services or involved a new account) for the amount you I think is in error, so that you I will have the use of the my money during the time it takes us you to complete our your investigation. If we you ask you me to put your my complaint or question in writing and we you do not receive it within 10 business ten days, we you may not re-credit your Cardmy account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. If we decide you determine that there was is no error, we you will send you me a written explanation within 3 three business days after we you finish our investigation and any credit made under the preceding paragraph must be repaid by youyour investigation. You I may ask for copies of the documents that we you used in our your investigation. 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 Card such as a purchase you didn't n’t make or an incorrect amount charged to your Card, please call us at (000) 0-000-0000, e000-mail us at xxx.xxxxxxxxxxxx.xxx 0000 or write to us at: Cardholder Services Services; P.O. Box 550578 550578; Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 there your statement is an error involving wrong or if you need more information about a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business daystransfer listed on the statement. We must hear from you no later than 60 days after we sent the transaction is posted to your accountFIRST statement on which the problem or error appeared. • Tell us your name and Card account number. • Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the date and dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. Every day is a business day except Saturdays, Sundays and Federal Holidays. We will tell you the results of our investigation determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new account or a foreign-five (45initiated transfer) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 within10 business days, we may not re-provisionally credit your Cardaccount. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 In case of errors or questions about your Card such as a purchase you didn't make or an incorrect amount charged to your Cardelectronic transactions, please call telephone us at (000) 000-00000000 during normal banking hours (Monday-Friday 9:00am -5:00pm, eexcluding Federal Holidays) or write: Triad Bank Attention: Online Banking PO Box 35567 Tulsa, OK 00000-mail us at xxx.xxxxxxxxxxxx.xxx 0000 Contact the Bank immediately if you believe your statement or write to us at: Cardholder Services P.O. Box 550578 Ftreceipt is wrong, or if you need more information about a transaction listed on your statement or receipt. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your accountYou must: 1. Tell us your name and Card account number 2. Describe the error or the transaction payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. GenerallyIf you tell us verbally, we will tell require that you send your complaint or question in writing within 10 business days following the results date you notified us verbally. You may be required to provide your complaint in the form of our investigation within an affidavit. Within 10 business days after we hear from you in writing, we will determine whether an error occurred and will correct any error promptlypromptly - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. 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, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigationinvestigation - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-re- credit your Cardaccount. If we decide determine that there was is no error, we will reverse any previously credited amount. We will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. You may ask for copies of the documents that we used in our investigation. 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 In case of errors or questions about your Card such as a purchase you didn't make or an incorrect amount charged to your Cardelectronic transactions, please call telephone us at (000) 000-00000000 during normal banking hours or write: Triad Bank Attention: Online Banking XX Xxx 00000 Xxxxx, eXX 00000-mail us at xxx.xxxxxxxxxxxx.xxx 0000 Contact the Bank if you believe your statement or write to us at: Cardholder Services P.O. Box 550578 Ftreceipt is wrong, or if you need more information about a transaction listed on your statement or receipt. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your accountYou must: 1. Tell us your name and Card account number 2. Describe the error or the transaction payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. GenerallyIf you tell us verbally, we will tell require that you send your complaint or question in writing within 10 business days following the results date you notified us verbally. You may be required to provide your complaint in the form of our investigation within an affidavit. Within 10 business days after we hear from you in writing, we will determine whether an error occurred and will correct any error promptlypromptly - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. 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, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigationinvestigation - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. If we decide determine that there was is no error, we will reverse any previously credited amount. We will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. You may ask for copies of the documents that we used in our investigation. 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 In case of errors or questions about your Card such as a purchase you didn't make or an incorrect amount charged to your Cardelectronic transfers, please call telephone us at at: (000) 000-0000, e0000 or toll-mail us free at xxx.xxxxxxxxxxxx.xxx 0 000-000-0000 or write to us at: Cardholder Services P.O. Box 550578 Ft. LauderdaleCentral Pacific Bank Attn: Electronic Banking Department X.X. Xxx 0000 Xxxxxxxx, FL 33355. If XX 00000-0000 as soon as you tell us orallycan, we may require that if you send think your claim statement or question in writing within 10 business daysreceipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the transaction is posted to your account. FIRST statement on which the error or problem appeared. (1) Tell us your name and Card number. account number (if any). (2) Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. . (3) Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 In case of errors or questions about your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please Internet Banking call us the Bank at (000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdaleat Muenster State Bank, FL 33355. If X.X. Xxx 000, Xxxxxxxx XX 00000, as soon as you tell us orallycan, we may require that if you send think your claim statement or question in writing within 10 business daysreceipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the transaction is posted to your account. FIRST statement on which the problem or error appeared. i. Tell us your name and Card account number. ii. Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. iii. Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we will tell require that you the results of our investigation send us your complaint or question in writing within 10 business days Business Days. We will determine whether an error occurred within 10 Business Days (20 Business Days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days 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 10 business daysBusiness Days, we may not re-credit your Cardaccount. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before the account is opened. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxxxxxxxxxxx@xxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 In case of errors or questions about your Card such as a purchase you didn't make or an incorrect amount charged to your Cardelectronic transfers, please call telephone us at at: (000) 000-0000, e0000 or toll-mail us free at xxx.xxxxxxxxxxxx.xxx 0 000-000-0000 or write to us at: Cardholder Services Central Pacific Bank Attn: Electronic Banking Department P.O. Box 550578 Ft. Lauderdale3590 Honolulu, FL 33355. If HI 96811-3590 as soon as you tell us orallycan, we may require that if you send think your claim statement or question in writing within 10 business daysreceipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the transaction is posted to your account. FIRST statement on which the error or problem appeared. (1) Tell us your name and Card number. account number (if any). (2) Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. . (3) Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 (Regulation E Notice) In the event of any errors or questions regarding your electronic transfers or if you think there believe that your statement is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after we sent the transaction is posted to your accountfirst statement on which the problem or error appeared. Tell You must: 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 Card number. Describe account number Explain in detail the error or the possible unauthorized transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell in question Give us the exact dollar amount of the suspected error. Generallyin question If you contact us by telephone, we will tell require that you send the results of our investigation error or complaint in writing within 10 business days of providing the oral notice. If the error involves an electronic fund transfer to or from an account within 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 the Bank may take up to forty-five (45) calendar 20 days to investigate your complaint or questioninvestigate. We will report the results of the investigation to you by letter within three business days after completing the investigation and will correct the error within one business day after determining that an error occurred. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think Bank is in error, so that you will have use of the money during the time it takes us unable to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it the investigation within 10 business days, we it may not re-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 Cardaccount 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 explanation. If provisional credit was applied, we will debit the account within 3 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 we finish our investigation and any credit made under the preceding paragraph must be repaid by younotification. 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. 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 In Case of Errors or Questions About your Card such as a purchase you didn't make or an incorrect amount charged to your CardElectronic Transfers, please call us at (000) 000-0000, e-mail the telephone number or write us at xxx.xxxxxxxxxxxx.xxx the address listed below, as soon as you can, if you think your statement or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If receipt is wrong or if you tell us orally, we may require that you send your claim need more information about a transfer listed on the statement or question in writing within 10 business daysreceipt. We must hear from you no later than 60 days after we sent the transaction is posted to your accountFIRST statement on which the problem or error appeared. Tell us your name and Card account number. Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new account, a point-five (45of- sale transaction, or a foreign-initiated transfer) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. Your account is considered a new account for the first 30 days after the first deposit is made, unless you already have an established account with us before the account is opened. 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 within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. Our zero liability policy may protect you from liability for certain unauthorized transactionsBusiness Days: Monday through Friday, 9:00 a.m. to 5:00 p.m. Excluding Federal Holidays Citizens Bank of Ada 000 X. 00XX XX. Under our zero liability policyAda, unless you have been grossly negligent or have been engaged in fraud, you OK 74820 (000)000-0000 We 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 disclose information 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 third parties about your account history has or the 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.make only:

Errors or Questions. In case of errors or questions about your electronic funds transactions through the Service, you should, as soon as possible: If you think there that your statement is an error involving wrong or you need more information about a transaction made with listed on your Card such as a purchase you didn't make statement or an incorrect amount charged to appearing on the account activity screen of your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orallyAccess Device, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 sixty (60) days after we sent the transaction is posted to your account. FIRST statement on which the problem or error appeared or you received notification of the problem or error on/our Access Device. a) Tell us your name and Card the Service Account number. . b) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. . c) Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days. We will tell you determine whether an error occurred within ten (10) Business Days [twenty (20) Business Days for transactions that have occurred within thirty (30) days after the results of our investigation within 10 business days first deposit to the account] after we hear from you and will correct any error promptly. If we need require more time, however, we may take up to forty-five (45) calendar days [ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account] to investigate your complaint or question. If we decide to do thisthis additional time is necessary, and your written notification has been received by us, we will re-credit your Card account within 10 business ten (10) Business Days [twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the 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 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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.ten

Errors or Questions. If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxx.000xxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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) 0001-0000866- 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 I will telephone you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx 0000 or write to us atEagleBank Online, Attention: Cardholder Services P.O. Box 550578 FtElectronic Banking Department, EagleBank 0000 Xxx Xxxxxxxxxx Xx, Xxxxxxxx, XX 00000 as soon as I can, if I think my statement or receipt is wrong or if I need more information about a Bill Payment or Transfer listed on the statement or receipt. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We You must hear from you me no later than 60 days after you send the transaction statement on which the problem or error appeared. A statement is posted considered to your accounthave been sent when it is first made available. I must: 1. Tell us your you my name and Card account number 2. Describe the error or the transaction you are payment I am unsure about, and explain as clearly as you I can why you I believe it is an error or why you I need more information. 3. Tell us you the dollar amount of the suspected error. Generally, we will If I tell you verbally, you may require that I send my complaint or question in writing within ten business days. You may require me to provide my complaint in the form of an affidavit. You will inform me of the results of our your investigation within 10 ten business days (20 business days if the suspected error involved a new account) after we you hear from you me and will correct any error promptly. If we you need more time, however, we you may take up to forty-five (45) 45 calendar days (90 days if outside the United States or if it occurred at a merchant location for the purchase of goods or services) to investigate your my complaint or question. If we you decide to do this, we you will re-credit your Card recredit my account within 10 ten business days (20 business days if the suspected error occurred outside the United States, if it occurred at a merchant location for the purchase of goods and services or involved a new account) for the amount you I think is in error, so that you I will have the use of the my money during the time it takes us you to complete our your investigation. If we you ask you me to put your my complaint or question in writing and we you do not receive it within 10 business ten days, we you may not re-credit your Cardrecredit my account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. If we decide you determine that there was is no error, we you will send you me a written explanation within 3 three business days after we you finish our investigation and any credit made under the preceding paragraph must be repaid by youyour investigation. You I may ask for copies of the documents that we you used in our your investigation. 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx XxxxxXXX.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation within 3 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 documents that we used in our investigation. 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- re-credited to your Card in 5 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 you think there is an error involving a transaction made with In case of errors or questions about your Card such as a purchase you didn't make electronic transfers or an incorrect amount charged to your Cardbill payments, please call us First Community Bank and Trust immediately at (0-000) -000-0000 or 0-000-000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us atto: Cardholder Services P.O. Box 550578 Ft. LauderdaleFirst Community Bank and Trust, FL 33355X.X. Xxx 000, Xxxxxxx, XX 00000-0000. If you tell think your statement is wrong or if you need more information about a payment or transfer listed on the statement, contact us orally, we may require that you send your claim or question in writing within 10 business daysas soon as possible. We must hear from you no later than 60 days after we sent the transaction is posted to your accountFIRST statement on which the problem or error appeared, and you must: 1. Tell tell us your name and Card account number, 2. Describe describe the error or the transaction payment/transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information, 3. Tell tell us the dollar amount of the suspected error. GenerallyIf you tell us verbally, we may require that you send your complaint or question in writing within ten business days; we may require you to provide your complaint in the form of an affidavit. We will tell you the results of our investigation within 10 ten business days after we hear (20 business days if you initiated the transaction from you outside the United States) and will correct any error promptly. If we need more time, however, we may take up to forty-five 45 days (4590 days if you initiated the transaction from outside the United States) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit provisionally recredit your Card account within 10 ten business days (20 business days if you initiated the transaction from outside the United States) for the amount you think is in error, so that you will 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 10 business ten days, we may not re-credit provisionally recredit your Cardaccount. If we decide determine that there was is no error, we will send you a written an explanation within 3 three business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. You may ask for copies of the documents that we used in our investigation. 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 fraudAs a First Community Bank and Trust Electronic Banking Services user, you will not be liable for agree that the Bank may respond to you by electronic mail with regard to any claim of error or unauthorized transactions made with your lost electronic funds transfer or stolen Cardany question related to the Service. 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 You will be re- credited deemed 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 have received any such electronic mail 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 periodsframe stated in Section II, Paragraph N above.

Errors or Questions. If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxx.xxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 involving accounts accessed through Homebanking, you think there is an error involving should do one of the following: Send E-mail to IFFCU Member Services after signing into your account with a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us secure session. Call IFFCU at (000) 000-0000, e(000) 000-mail us at xxx.xxxxxxxxxxxx.xxx 0000 or write (000) 000-0000. Write to us at: Cardholder Services IFFCU, P.O. Box 550578 Ft. Lauderdale604, FL 33355. If Powers, MI 49874, Attn: Member Service Department, as soon as you tell us orallyidentify any errors or discrepancies in your statement or transaction record, we may require that or if you send your claim need more information about a transaction listed on the statement or question in writing within 10 business daystransaction record. We must hear from you no later than 60 sixty (60) days after we have sent the transaction is posted to 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 accountcomplaint or question in writing within ten (10) business days. When you tell us about the problem, please: Tell us your name and Card account number. Describe the error or the transaction you are unsure 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. Tell us the dollar amount of the any suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not be able to re-credit your Cardaccount. We will tell you the results of our investigation within 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 45 calendar days to investigate your complaint or question. If we decide to do this, we will provisionally re-credit your account within 10 business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete your investigation. If we decide there was no error, we will send you a written explanation within 3 three (3) business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvesti- gation. You may ask for copies of the documents that we used in our investigation. 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 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 there your statement is an error involving wrong or if you need more information about a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business daystransfer listed on the statement. We must hear from you no later than 60 days after we sent the transaction is posted to your accountFIRST statement on which the problem or error appeared. • Tell us your name and Card account number. • Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. Every day is a business day except Saturdays, Sundays and Federal Holidays. We will tell you the results of our investigation determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new account or a foreign-five (45initiated transfer) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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. 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 there your statement is an error involving incorrect or if you need more information about a transaction made with your Card such transfer listed on the statement, contact us as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business dayssoon as possible. We must hear from you no not later than 60 sixty (60) days after we sent the transaction is posted to your account. Tell us first statement on which the problem or error appeared, and you must:  Indicate your name and Card Account number. ;  Describe the error transfer or the transaction you are unsure about, other error; clearly and concisely explain as clearly as you can why you believe it is an error or why you need more information. Tell us ;  Indicate the dollar amount of the suspected error. GenerallyIf you verbally tell us, we may require that you send your complaint or question in writing within 10 Business Days. We may also require you to provide your complaint in the form of an affidavit. We will tell let you know the results of our investigation within 10 business days after we hear from you 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) calendar 45 days to investigate and address your complaint or question. If we decide to do thisso, we will provisionally re-credit your Card Account within 10 business days Business Days for the amount you think is believe to be in error, so that error in order for you will to have 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 10 business daysBusiness Days, we may not provisionally re-credit your CardAccount. If you are a new member, for electronic funds transfer occurring during the first 30 days after the first deposit is made to your Account, the applicable time periods for action by us is up to 20 Business Days (instead of 10) and 90 calendar days (instead of 45). If we decide determine that there was is no error, we will send you a written remit an explanation within 3 business days Business Days after we finish completion of our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. You may ask for copies of the documents that we used in our investigation. 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 believe there is has been an error involving or you have a transaction made with your Card such as question about a purchase you didn't make or an incorrect amount charged to your Cardtransfer, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If as soon as you tell us orally, we may require that can if you send think your claim statement or question in writing within 10 business dayspassbook is wrong or if you need more information about a transfer listed on the statement or passbook. We must hear from you no later than 60 days Calendar Days after we sent you the transaction FIRST statement on which the problem or error appeared. A statement is posted considered to your accounthave been sent when it is first made available. 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. (CST) (Holidays Excluded) • Tell us your name and Card Account number. • Describe the error or the transaction transfer you are unsure about, and clearly explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount and date of the suspected error. Generally• 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 orally, we will tell have the right to require you the results of our investigation to also send us your complaint or question in writing within 10 business calendar days following the date you notified us. We will determine whether an error occurred within 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, we will re-provisionally credit your Card Account within 10 business 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 10 business days, we may not re-credit your CardAccount. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. 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. Our zero liability policy may protect For a reasonable fee covering our duplication costs, we will provide you from liability for certain unauthorized transactions. Under our zero liability policy, unless with copies of any such documents that 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 Cardrequest. If you are grossly negligent your alleged error concerns a transfer to or have engaged in fraudulent conductfrom a third party (for example, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by youa social security payment), you did not give permission our investigation may be limited 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) 000-0000a review of our own records. If you do not tell us within 60 days after the transaction we decide that there was posted to your accountno error, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using want to contact such third party to pursue 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 periodsmatter further.

Errors or Questions. If (Regulation E Notice) In the event of any errors or questions regarding your electronic transfers or if you think there believe that your statement is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after we sent the transaction is posted to your accountfirst statement on which the problem or error appeared. Tell You must: 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 Card number. Describe account number Explain in detail the error or the possible unauthorized transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell in question Give us the exact dollar amount of the suspected error. Generallyin question If you contact us by telephone, we will tell require that you send the results of our investigation error or complaint in writing within 10 business days of providing the oral notice. If the error involves an electronic fund transfer to or from an account within 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 the Bank may take up to forty-five (45) calendar 20 days to investigate your complaint or questioninvestigate. We will report the results of the investigation to you by letter within three business days after completing the investigation and will correct the error within one business day after determining that an error occurred. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think Bank is in error, so that you will have use of the money during the time it takes us unable to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it the investigation within 10 business days, we it may not re-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 Cardaccount 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 explanation. If provisional credit was applied, we will debit the account within 3 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 we finish our investigation and any credit made under the preceding paragraph must be repaid by younotification. 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. 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. 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 there that your statement is an error involving wrong or if you need more information about a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business daystransfer listed on the statement. We must hear from you no later than 60 days after we sent the transaction is posted to your accountFIRST statement on which the problem or error appeared. Tell us your name and Card account number. Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit recredit your Card account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit recredit your Cardaccount. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. You may ask for copies of the documents that we used in our investigation. 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us through internet banking at xxx.xxxxxxxxxxxx.xxx XxxxxXX.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail contact us online at xxx.xxxxxxxxxxxx.xxx xxx.xxxxxxxxx.xxx, or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxx.xxxxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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 w ith your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx w xx.XxxXxxXX.xxx or write w rite to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235, FL 33355Sioux Falls, SD 57117-7235. If you tell us orally, we w e may require that you send your claim or question in writing within w riting w ithin 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure 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. Tell us the dollar amount of the suspected error. Generally, we will w e w ill tell you the results of our investigation within w ithin 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-five (45) calendar days to investigate your complaint or question. If we w e decide to do this, we will w e w ill re-credit your Card within w ithin 10 business days for the amount you think is in error, so that you will w ill have 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 we w e do not receive it within w ithin 10 business days, we w e may not re-credit your Card. If we w e decide that there was w as no error, we will w e w ill send you a written x x xxxxxx explanation within w ithin 3 business days after we w e finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of documents that we w e used in our investigation. 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 w ill not be liable for any unauthorized transactions made with 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 wayw ay. Any unauthorized transactions will w ill be re- 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 w ithin 60 days after the transaction was w as posted to your account, you may not get back any money you lost if we w e can prove we w e could have stopped someone from fraudulently using the Card if you had told us in time. If we w e believe that a good reason kept you from telling us, we will w e w ill extend the time periods.

Errors or Questions. If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxx.xxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxxx://xxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or xxxxxxxxxxxxxx@xxxxx.xxx, write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 (Regulation E Notice) In the event of any errors or questions regarding your electronic transfers or if you think there believe that your statement is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after we sent the transaction is posted to your accountfirst statement on which the problem or error appeared. Tell You must: • 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 Card number. Describe account number • Explain in detail the error or the possible unauthorized transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell in question • Give us the exact dollar amount of the suspected error. Generallyin question If you contact us by telephone, we will tell require that you send the results of our investigation error or complaint in writing within 10 business days of providing the oral notice. If the error involves an electronic fund transfer to or from an account within 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 the Bank may take up to forty-five (45) calendar 20 days to investigate your complaint or questioninvestigate. We will report the results of the investigation to you by letter within three business days after completing the investigation and will correct the error within one business day after determining that an error occurred. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think Bank is in error, so that you will have use of the money during the time it takes us unable to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it the investigation within 10 business days, we it may not re-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 Cardaccount 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 explanation. If provisional credit was applied, we will debit the account within 3 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 we finish our investigation and any credit made under the preceding paragraph must be repaid by younotification. 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. 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxxxx@xxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxxxxxxxxx@xxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 Call or write us, as explained in Section 23, as soon as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect and the dollar amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355involved. c. Approximately when the error took place. If you tell us orally, we may require that you send us your claim complaint or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is will determine whether an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation occurred within 10 business days after we hear of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have use of access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three business days of completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 conductneed more information about our error-resolution procedures, 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 call us, we will extend the time periodsas explained in Section 23, or visit xxx.xxxxxx.xxx.

Errors or Questions. If you think there is an error involving a transaction made with In case of errors or questions about your Card such as a purchase you didn't make or an incorrect amount charged to your Cardelectronic transactions, please call telephone us at (000) 000-00000000 during normal banking hours or write: Triad Bank Attention: Online Banking PO Box 35567 Tulsa, eOK 00000-mail us at xxx.xxxxxxxxxxxx.xxx 0000 Contact the Bank if you believe your statement or write to us at: Cardholder Services P.O. Box 550578 Ftreceipt is wrong, or if you need more information about a transaction listed on your statement or receipt. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your accountYou must: 1. Tell us your name and Card account number 2. Describe the error or the transaction payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. GenerallyIf you tell us verbally, we will tell require that you send your complaint or question in writing within 10 business days following the results date you notified us verbally. You may be required to provide your complaint in the form of our investigation within an affidavit. Within 10 business days after we hear from you in writing, we will determine whether an error occurred and will correct any error promptlypromptly - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. 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, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigationinvestigation - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-re- credit your Cardaccount. If we decide determine that there was is no error, we will reverse any previously credited amount. We will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. You may ask for copies of the documents that we used in our investigation. 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 Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (0-000) -000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxxx@xxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 I will telephone you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) the Customer Care Center 0-000-0000, e000-mail us at xxx.xxxxxxxxxxxx.xxx 0000 or write to us atNorthern Bank, Attention: Cardholder Services P.O. Box 550578 FtContact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000 as soon as I can, if I think my statement or receipt is wrong or if I need more information about a Bill Payment or Transfer listed on the statement or receipt. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We You must hear from you me no later than 60 days after you sent the transaction is posted to your accountfirst statement on which the problem or error appeared, or the problem was first reflected on my passbook. I must: 1. Tell us your you my name and Card account number. 2. Describe the error or the transaction you are payment I am unsure about, about and explain as clearly as you I can why you I believe it is an error or why you I need more information. 3. Tell us you the dollar amount of the suspected error. Generally, we will If I tell you the results of our investigation orally, you may require that I send my complaint or question in writing within ten business days. You will determine whether an error occurred within 10 business days after we you hear from you me and will correct any error promptly. If we you need more time, however, we you may take up to forty-five (45) calendar 45 days to investigate your my complaint or question. If we you decide to do this, we you will re-credit your Card my account within 10 business days for the amount you I think is in error, so that you I will have the use of the my money during the time it takes us you to complete our your investigation. If we you ask you me to put your my complaint or question in writing and we you do not receive it within 10 ten business days, we you may not recredit my account. For errors involving new accounts, point-of-sale or foreign-initiated transactions, you may take up to 90 days to investigate my complaint or question. For new accounts, you may take up to 20 business days to credit my account for the amount I think is in error. You will tell me the results within three business days after completing your Cardinvestigation. If we you determine that there is no error, you will send me a written explanation. I may ask for copies of the documents that you used in your investigation. If my alleged error concerns a transfer to or from a third party, your investigation may be limited to a review of your own records. If you decide that there was no error, we I may want to contact the third party to pursue the matter further. Other Problems: If I believe an error other than an electronic funds transfer problem has occurred concerning a deposit account or if I have a problem regarding a credit account accessed by an ATM/Debit Card, I will send refer to my monthly statement for instructions regarding how to have you a written explanation 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 documents that we used in our investigation. Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent resolve my question 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 periodscorrect an error.

Errors or Questions. If (Regulation E Notice) In the event of any errors or questions regarding your electronic transfers or if you think there believe that your statement is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after we sent the transaction is posted to your accountfirst statement on which the problem or error appeared. Tell You must:  Write us at Solvay Bank, 0000 Xxxxxx Xxxxxx, Solvay, 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 Card number. Describe account number  Explain in detail the error or the possible unauthorized transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell in question  Give us the exact dollar amount of the suspected error. Generallyin question If you contact us by telephone, we will tell require that you send the results of our investigation error or complaint in writing within 10 business days of providing the oral notice. If the error involves an electronic fund transfer to or from an account within 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 the Bank may take up to forty-five (45) calendar 20 days to investigate your complaint or questioninvestigate. We will report the results of the investigation to you by letter within three business days after completing the investigation and will correct the error within one business day after determining that an error occurred. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think Bank is in error, so that you will have use of the money during the time it takes us unable to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it the investigation within 10 business days, we it may not re-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 Cardaccount 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. In the event that the investigation proves the complaint invalid, you will be notified, by letter, of the results of the investigation within 3 days of the completion of the investigation. If we decide that there provisional credit was no errorapplied, we will send debit the account within one day and notify you a written explanation within 3 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 we finish our investigation and any credit made under the preceding paragraph must be repaid by younotification. You may ask for copies of documents The Bank will honor items as specified in the notice, but need honor only items that we used in our investigation. Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you it would have paid if the provisionally credited funds had not 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 periodsdebited.

Errors or Questions. If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000855) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxx.xxxxxxxxx.xxx/xxxxxxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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. 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 there your statement is an error involving incorrect or if you need more information about a transaction made with your Card such transfer listed on the statement, contact us as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business dayssoon as possible. We must hear from you no not later than 60 sixty (60) days after we sent the transaction is posted to your account. Tell us first statement on which the problem or error appeared, and you must: ▪ Indicate your name and Card Account number. ; ▪ Describe the error transfer or the transaction you are unsure about, other error; clearly and concisely explain as clearly as you can why you believe it is an error or why you need more information. Tell us ; ▪ Indicate the dollar amount of the suspected error. GenerallyIf you verbally tell us, we may require that you send your complaint or question in writing within 10 Business Days. We may also require you to provide your complaint in the form of an affidavit. We will tell let you know the results of our investigation within 10 business days after we hear from you 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) calendar 45 days to investigate and address your complaint or question. If we decide to do thisso, we will provisionally re-credit your Card Account within 10 business days Business Days for the amount you think is believe to be in error, so that error in order for you will to have 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 10 business daysBusiness Days, we may not provisionally re-credit your CardAccount. If you are a new member, for electronic funds transfer occurring during the first 30 days after the first deposit is made to your Account, the applicable time periods for action by us is up to 20 Business Days (instead of 10) and 90 calendar days (instead of 45). If we decide determine that there was is no error, we will send you a written remit an explanation within 3 business days Business Days after we finish completion of our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. You may ask for copies of the documents that we used in our investigation. 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 Call or write us, as explained in Section 22, as soon as you can if you think an error has occurred in your Reloadable Card. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 22. You will need to tell us: a. Your name and Reloadable Card number b. Why you believe there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect and the dollar amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. involved c. Approximately when the error took place If you tell us orally, we may require that you send us your claim complaint or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is will determine whether an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation occurred within 10 business days after we hear of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have use of access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. For errors involving new Reloadable Card or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new Reloadable Cards, we may take up to 20 business days to credit your Reloadable Card for the amount you think is in error. We will tell you the results within 3 business days of completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 conductneed more information about our error-resolution procedures, 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 call us, we will extend the time periodsas explained in Section 22, or visit xxxxxx.xxx.

Errors or Questions. If you think there is an error involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx xxxx://xxxx.xxx/ or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale7235 Sioux Falls, FL 33355SD 57117-7235. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 In Case of Error or Questions About your Card such electronic fund transfers as a purchase you didn't make or an incorrect amount charged to your Carddescribed in Section 4, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. call a. Tell us your name and Card number. account number (if any). b. Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. . c. Tell us the dollar amount of the suspected error. GenerallyIf you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90* days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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, give notice of an error within 30 days after 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 first deposit to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the Card if you had told us in time. If we believe that a good reason kept you from telling usU.S., its possessions and territories, we will extend the time periodshave 90 days instead of 45 days to investigate.

Errors or Questions. If you think there your statement is an error involving wrong, or you need more information about a transaction made with your Card such as a purchase you didn't make transfer listed on the statement, contact Citizens First Bank at 000-000-0000 or an incorrect amount charged to your Card, please call write us at (000) 000-00000000 Xxxxxxx Xxx, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 FtXxxxxxx, XX 00000. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days.  We must hear from you no later than 60 days after we sent the transaction is posted to your accountFIRST statement on which the problem or error appears. Tell  When notifying us, tell us your name name, user ID and Card account number.  Describe the error or on the transaction you are unsure abouttransfer in question, 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 dollar amount of the suspected error. Generally If you tell us orally, we will tell may require that you the results of our investigation send us your complaint or question in writing within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigationdays. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Cardaccount.  We will determine whether an error occurred within 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 45 days (90 days if your account has been open for 30 days or less) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if your account has been opened for 30 days or less) 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 you are a new customer, an account is considered a new account for 30 days after the first deposit is made.  We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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. In case of errors or questions about your electronic transfers or xxxx payments, call First Community Bank and Trust immediately at 1-708-946-2246 or 1-708-258-0530, or write to: First Community Bank and Trust, X.X. Xxx 000, Xxxxxxx, XX 00000-0000. If you think there your statement is an error involving wrong or if you need more information about a transaction made with your Card such payment or transfer listed on the statement, contact us as a purchase you didn't make or an incorrect amount charged to your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business dayssoon as possible. We must hear from you no later than 60 days after we sent the transaction is posted to your accountFIRST statement on which the problem or error appeared, and you must: 1. Tell tell us your name and Card account number, 2. Describe describe the error or the transaction payment/transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information, 3. Tell tell us the dollar amount of the suspected error. GenerallyIf you tell us verbally, we may require that you send your complaint or question in writing within ten business days; we may require you to provide your complaint in the form of an affidavit. We will tell you the results of our investigation within 10 ten business days after we hear (20 business days if you initiated the transaction from you outside the United States) and will correct any error promptly. If we need more time, however, we may take up to forty-five 45 days (4590 days if you initiated the transaction from outside the United States) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit provisionally recredit your Card account within 10 ten business days (20 business days if you initiated the transaction from outside the United States) for the amount you think is in error, so that you will 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 10 business ten days, we may not re-credit provisionally recredit your Cardaccount. If we decide determine that there was is no error, we will send you a written an explanation within 3 three business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. You may ask for copies of the documents that we used in our investigation. 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 fraudAs a First Community Bank and Trust Electronic Banking Services user, you will not be liable for agree that the Bank may respond to you by electronic mail with regard to any claim of error or unauthorized transactions made with your lost electronic funds transfer or stolen Cardany question related to the Service. 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 You will be re- credited deemed 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 have received any such electronic mail 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 periodsframe stated in Section II, Paragraph N above.

Errors or Questions. If you think there is an error involving a transaction made with In case of errors or questions about your Card such as a purchase you didn't make or an incorrect amount charged to your Card, please Internet Banking call us the Bank at (000) 000- 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdaleat Muenster State Bank, FL 33355. If X.X. Xxx 000, Xxxxxxxx XX 00000, as soon as you tell us orallycan, we may require that if you send think your claim statement or question in writing within 10 business daysreceipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the transaction is posted to your account. FIRST statement on which the problem or error appeared. i. Tell us your name and Card account number. ii. Describe the error or the transaction transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. iii. Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we will tell require that you the results of our investigation send us your complaint or question in writing within 10 business days Business Days. We will determine whether an error occurred within 10 Business Days (20 Business Days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card account within 10 business days 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 10 business daysBusiness Days, we may not re-credit your Cardaccount. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before the account is opened. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youexplanation. You may ask for copies of the documents that we used in our investigation. 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 Card such as a purchase you didn't n’t make or an incorrect amount charged to your Card, please call us at (000) 0-000-0000, e000-mail us at xxx.xxxxxxxxxxxx.xxx 0000 or write to us at: Cardholder Services Services; P.O. Box 550578 550578; Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation 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 documents that we used in our investigation. 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- 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 believe there is has been an error involving or you have a transaction made with your Card such as question about a purchase you didn't make or an incorrect amount charged to your Cardtransfer, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If as soon as you tell us orally, we may require that can if you send think your claim statement or question in writing within 10 business dayspassbook is wrong or if you need more information about a transfer listed on the statement or passbook. We must hear from you no later than 60 days Calendar Days after we sent you the transaction FIRST statement on which the problem or error appeared. A statement is posted considered to your accounthave been sent when it is first made available. Phone: 000-000-0000 Business Days: Monday through Friday Business Hours: 8:30 A.M. to 5:00 P.M. (CST) (Holidays Excluded) • Tell us your name and Card Account number. • Describe the error or the transaction transfer you are unsure about, and clearly explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount and date of the suspected error. Generally• 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 orally, we will tell have the right to require you the results of our investigation to also send us your complaint or question in writing within 10 business calendar days following the date you notified us. We will determine whether an error occurred within 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, we will re-provisionally credit your Card Account within 10 business 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 10 business days, we may not re-credit your CardAccount. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by youinvestigation. 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. Our zero liability policy may protect For a reasonable fee covering our duplication costs, we will provide you from liability for certain unauthorized transactions. Under our zero liability policy, unless with copies of any such documents that 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 Cardrequest. If you are grossly negligent your alleged error concerns a transfer to or have engaged in fraudulent conductfrom a third party (for example, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by youa social security payment), you did not give permission our investigation may be limited 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) 000-0000a review of our own records. If you do not tell us within 60 days after the transaction we decide that there was posted to your accountno error, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using want to contact such third party to pursue 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 periodsmatter further.

Errors or Questions. In case of errors or questions about your electronic funds transactions through the Service, you should, as soon as possible: If you think there that your statement is an error involving wrong or you need more information about a transaction made with listed on your Card such as a purchase you didn't make statement or an incorrect amount charged to appearing on the account activity screen of your Card, please call us at (000) 000-0000, e-mail us at xxx.xxxxxxxxxxxx.xxx or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orallyAccess Device, we may require that you send your claim or question in writing within 10 business days. We must hear from you no later than 60 sixty (60) days after we sent the transaction is posted to your account. FIRST statement on which the problem or error appeared or you received notification of the problem or error on/our Access Device. a) Tell us your name and Card the Service Account number. . b) Describe the error or the transaction you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information. . c) Tell us the dollar amount of the suspected error. GenerallyIf you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days. We will tell you determine whether an error occurred within ten (10) Business Days [twenty (20) Business Days for transactions that have occurred within thirty (30) days after the results of our investigation within 10 business days first deposit to the account] after we hear from you and will correct any error promptly. If we need require more time, however, we may take up to forty-five (45) calendar days [ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account] to investigate your complaint or question. If we decide to do thisthis additional time is necessary, and your written notification has been received by us, we will re-credit your Card account within 10 business ten (10) Business Days [twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the 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 10 business days, we may not re-credit your Card. If we decide ten (10) Business Days [twenty (20) Business Days for transactions that there was no errorhave occurred within thirty (30) days after the first deposit to the account], we will send you a written explanation within 3 business days after we finish our investigation and any not credit made under the preceding paragraph must be repaid by you. You may ask for copies of documents that we used in our investigation. 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, and we will extend the time periods.still have up to forty-five (45) days [ninety