Common use of IN CASE OF ERRORS OR QUESTIONS ABOUT TRANSACTIONS Clause in Contracts

IN CASE OF ERRORS OR QUESTIONS ABOUT TRANSACTIONS. In case of errors or questions about your electronic transfers, telephone us at the telephone numbers or write us at the address listed in either section E, Membership Liability, or at the end of this disclosure, as soon as you can. You can also email us using the Credit Union’s secure web site (the portion of the site you may access after entry of your user name and password). For any errors involving a line of credit account, you must review your Loan Agreement and Disclosure and/or VISA Credit Card Agreement for a description of your rights. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. You should provide the following information: 1. Tell us your name and account number. 2. Describe the transfer you are unsure about, and include to the extent possible, the type, date 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. If you tell us orally, we may require you send us your complaint or question in writing within ten (10) business days, at the address listed in this Agreement and Disclosure. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error within one (1) business day after determining an error occurred. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days of receiving the error notice, and will inform you, within two (2) business days, after providing the provisional credit, with the amount you think is in error, and the date, so you will have the use of the money during the time it takes us to complete our investigation. We will correct the error, if any, within one (1) business day after determining an error occurred. A report of our results will be delivered or mailed to you within three (3) business days after the conclusion of the investigation (including, if applicable, notice that a provisional credit has been made final). For transactions initiated outside the United States, or resulting from a point-of-sale debit card transaction: We will have ninety (90) calendar days instead of forty-five (45) business days, unless otherwise required by law, to investigate your complaint or question. For transactions on accounts that have been opened less than thirty (30) calendar days, we will have twenty

IN CASE OF ERRORS OR QUESTIONS ABOUT TRANSACTIONS. In case of errors This section applies only to transactions covered by this Agreement If you think your Account Statement or questions eStatement is wrong or if you need more information about your electronic transfers, telephone us at a transfer covered by this Agreement which is listed on the telephone numbers or write us at the address listed in either section E, Membership Liability, or at the end of this disclosure, as statement. As soon as you can. You can also email , Call us using the at 0-000-000-0000 or 0-000-000-0000 Write us at: Pawtucket Credit Union’s secure web site (the portion of the site you may access after entry of your user name and password). For any errors involving a line of credit accountUnion ATTN: Online Banking 0000 Xxxxxxx Xxx Pawtucket, you must review your Loan Agreement and Disclosure and/or VISA Credit Card Agreement for a description of your rights. RI 02861 Or E-Mail us through Online Banking by clicking on “Messages” We must hear from you no later than sixty (60) 60 days after we sent the first statement FIRST Account Statement or eStatement on which the problem appears. You should provide the following information: 1or error appeared. Tell us your name and account number. 2number (if any). Describe the error or transfer you are unsure about, and include to the extent possible, the type, date and explain as clearly as you can why you believe it is an error or and why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing so that we receive it within ten (10) 10 business days, at the address listed in this Agreement and Disclosure. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days after we hear from you and will correct the any error within one (1) business day after determining an error occurredpromptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will re-provisionally credit your account within ten (10) 10 business days of receiving the error notice, and will inform you, within two (2) business days, after providing the provisional credit, with for the amount you think is in error, and the date, so that you will have the use of the money during the time it takes us to complete our investigation. We will correct the errorIf we ask you to put your complaint or question in writing and we do not receive it within 10 business days, if any, within one (1) business day after determining an error occurred. A report of our results will be delivered or mailed we are not required to you within three (3) business days after the conclusion of the investigation (including, if applicable, notice that a provisional provisionally credit has been made final)your account. For transactions initiated outside the United Stateserrors involving new accounts, or resulting from a point-of-sale debit card transaction: We will have ninety (90) calendar sale, or foreign-initiated transactions, we may take up to 90 days instead of forty-five (45) business days, unless otherwise required by law, to investigate your complaint or question. For transactions on accounts that have been opened less than thirty (30) calendar daysnew accounts, we may take up to 20 business days to provisionally credit your account for the amount you think is in error. Your account is considered a new account for the first 30 days after the initial deposit is made, unless you already had an established account with us before this account was opened. When the investigation is completed, we will make any necessary or appropriate adjustments to your account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error or the error was different than you described, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation by contacting us at the phone number or address listed above. This Agreement will stay in effect until it is changed or terminated. We have twentythe right to terminate this Agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this Agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for members that have not used the service within the first 30 days after activation or if the service has been inactive for 180 days. We also have the right to make changes to this Agreement at any time. Your use of these services after any such change indicates that you agree with the changes or additions made to this Agreement. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this Agreement at any time by notifying us in writing. However any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this Agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

IN CASE OF ERRORS OR QUESTIONS ABOUT TRANSACTIONS. In case of errors or questions about your electronic transfers, telephone contact us at the telephone numbers or write us at the address listed in either section E, Membership Liability, or at the end of this disclosure, as soon as you can. You can also email Telephoning us using at (000) 000-0000 or (000)000-0000 is the best way of reducing your possible losses, or you may write us at: Emblem Credit Union’s secure web site (the portion of the site you may access after entry of your user name and password). For any errors involving a line of credit account, you must review your Loan Agreement and Disclosure and/or VISA Credit Card Agreement for a description of your rightsP.O. Xxx 0000, Xxxxxxx, Xxxxxxx 00000. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. You should provide the following information: 1. Tell us with your name and account number. 2. Describe , a description of the transfer you are unsure about, and include to about (including the extent possible, the transaction type, date and explain as clearly as you can a clear explanation of why you believe it is an error or why you need more information. 3. Tell us error), and the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days, at the address listed in this Agreement and Disclosure. We will tell you the results of our investigation within ten (10) business days after we hear from you you, and will correct the error within one (1) business day after determining that an error occurred. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days of receiving the error notice, and will inform you, you within two (2) business days, after providing the provisional credit, with the amount you think is in error, error and the date, so that you will have the use of the money during the time it takes us to complete our investigation. We will correct the error, if any, within one one (1) business day after determining that an error occurred. A report of our We will tell you the results will be delivered or mailed to you within three (3) business days after the conclusion of the investigation (includingcompleting our investigation. If we decided that there was no error, we will send you a written explanation. INACTIVITY: Your Online and Mobile Banking accounts will be considered inactive if applicable, notice that a provisional credit has been made final). For transactions initiated outside the United States, or resulting from a point-of-sale debit card transaction: We will you have not logged in for ninety (90) calendar days. After 90 days instead of forty-five (45) business daysinactivity, unless otherwise you may be required by law, to investigate authenticate your complaint account and login information the next time that you attempt to access Online or question. For transactions on accounts that have been opened less than thirty (30) calendar days, we will have twentyMobile Banking.

IN CASE OF ERRORS OR QUESTIONS ABOUT TRANSACTIONS. In case of errors or questions about your electronic transfers, telephone us at the telephone numbers (000) 000-0000, (888) 448- 2133 toll free or write us at the address listed in either section EPO Box 780004, Membership LiabilityMyrtle Beach, or at the end of this disclosureSC 29578-7804, as soon as you can. You can also email us using the Credit Union’s secure web site (the portion of the site you may access after entry of your user name and password). For any errors involving a line of credit account, you must review your Loan Agreement and Disclosure and/or VISA VISA® Credit Card Agreement for a description of your rights. .) We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. You should provide the following information: 1. Tell us your name and account number. 2. Describe the transfer you are unsure about, and include to the extent possible, the type, date 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. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days, at the address listed in this Agreement and Disclosure. We will tell you the results of our investigation determine whether an error occurred within ten (10) business 10 days after we hear from you and will correct the any error within one (1) business day after determining an error occurredpromptly. If we need more time, however, we may take up to forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) 10 business days of receiving the error notice, and will inform you, within two (2) business days, after providing the provisional credit, with for the amount you think is in error, and the date, so that you will have the use of the money during the time it takes us to complete our investigation. We will correct the errorIf we ask you to put your complaint or question in writing and we do not receive it within 10 business days, if any, within one (1) business day after determining an error occurred. A report of our results will be delivered or mailed to you within three (3) business days after the conclusion of the investigation (including, if applicable, notice that a provisional we may not credit has been made final)your account. For transactions initiated outside the United Stateserrors involving new accounts, or resulting from a point-of-sale debit card transaction: We will have ninety (90) calendar sale, or foreign-initiated transactions, we may take up to 90 days instead of forty-five (45) business days, unless otherwise required by law, to investigate your complaint or question. For transactions on accounts 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 have been opened less than thirty (30) calendar daysthere was no error, we will have twentysend you a written explanation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT TRANSACTIONS. In case of errors or questions about your electronic transfers, telephone us at the telephone numbers or write us at the address listed in either section E, Membership Liability, or at the end of this disclosure, as soon as you can. You can also email us using the Credit Union’s secure web site (the portion of the site you may access after entry of your user name and password). For any errors involving a line of credit account, you must review your Loan Agreement and Disclosure and/or VISA Credit Card Agreement for a description of your rights. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. You should provide the following information:information:‌ 1. Tell us your name and account number.number.‌ 2. Describe the transfer you are unsure about, and include to the extent possible, the type, date and explain as clearly as you can why you believe it is an error or why you need more information.information.‌ 3. Tell us the dollar amount of the suspected error. error.‌ If you tell us orally, we may require you send us your complaint or question in writing within ten (10) business days, at the address listed in this Agreement and Disclosure. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error within one (1) business day after determining an error occurred. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days of receiving the error notice, and will inform you, within two (2) business days, after providing the provisional credit, with the amount you think is in error, and the date, so you will have the use of the money during the time it takes us to complete our investigation. We will correct the error, if any, within one (1) business day after determining an error occurred. A report of our results will be delivered or mailed to you within three (3) business days after the conclusion of the investigation (including, if applicable, notice that a provisional credit has been made final). For transactions initiated outside the United States, or resulting from a point-of-sale debit card transaction: We will have ninety (90) calendar days instead of forty-five (45) business days, unless otherwise required by law, to investigate your complaint or question. For transactions on accounts that have been opened less than thirty (30) calendar days, we will have twentytwenty‌‌