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

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS. You are required to notify Municipal Employees Credit Union at 000 X. Xxxxxx, Oklahoma City, OK 73102 of any errors pertaining to your account no later than sixty (60) days after the print date on your FIRST statement on which the problem or error appeared. In the notification to MECU include the following: (a) Your name and account number; (b) A description of the error or the transfer that is in question. Please clearly explain why you believe this to be an error or why you need more information; (c) The precise dollar amount of the error in question. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (or 5 business days for unauthorized use of a Debit Card per VISA limitations) 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 the transaction occurred at a point-of-sale location or outside the United States or on a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (or 5 business days for unauthorized use of Debit Card per VISA limitations or 20 business days for 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 compete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. We will tell you the results within 3 business days after completing our investigation if we decide that there was no error and we will send 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 YOUR ELECTRONIC TRANSACTIONS. You are required to notify Municipal Employees Credit Union If you think your statement is wrong or if you need more information about an Internet Banking Services transaction listed on the statement, call us at 000 X. Xxxxxx000-000-0000, Oklahoma Cityor write us at MidCoast Community Bank, OK 73102 of any errors pertaining to your account Attention: Internet Banking Services, X.X. Xxx 0000, Xxxxxxxxxx, XX 00000, as soon as you can. We must hear from you no later than sixty (60) days after we sent you the print date on your FIRST statement on which the problem or error appeared. In You must provide us with all of the notification to MECU include the followingfollowing information: (a) 1. Your name and account number;. (b) 2. A description of the error or the transfer that is in question. Please transaction you are unsure about, explaining as clearly explain as you can why you believe this to be it is an error or why you need more information; (c) . The precise dollar amount of the error in questionsuspected error. 3. If you tell us orally, we may require that you send us your complaint or question questions in writing within 10 ten (10) business daysdays to the above address. 4. We will determine whether an error occurred within 10 ten (10) business days (or 5 business days for unauthorized use of a Debit Card per VISA limitations) after we hear from you and will correct any error promptly. If we need more time howeveris needed, we it may take up to 45 forty-five (45) days (90 days if the transaction occurred at a point-of-sale location or outside the United States or on a new account) to investigate your complaint or question. If we decide to do thisadditional time is needed, we will credit your account will be credited within 10 ten (10) business days (or 5 business days for unauthorized use of Debit Card per VISA limitations or 20 business days for a new account) for the amount you think is in error, so that you will have while the use of the money during the time it takes us to compete our investigationinvestigation is pending. If we ask you to put require your written confirmation and do not receive your complaint or question in writing and we do not receive it within 10 ten (10) business days, we may not credit your account. We may also not credit your account if the primary purpose of a transaction was to purchase securities or commodities regulated by the Securities and Exchange Commission or the Commodity Futures Trading Commission. We will tell you the results within 3 three (3) business days after completing our investigation if investigation. If we decide that there was is no error and error, we will send you a written explanation. You may ask for copies of the documents that we used use in our investigation. If we credited your account, you must repay us if we conclude no error has occurred.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS. You are required In case of errors or questions about your Xxxx Payment transactions, contact us by one the means provided in the Xxxx Payment Addendum. In the case of errors or questions about any of your other electronic transactions, telephone us at 000-000-0000 8a.m. to notify Municipal Employees Credit Union 4:30p.m. Monday through Friday, or contact us at Xxx Xxxxx Xxxx, 000 X. Xxxxxxxxxxx, Oklahoma CityXxx Xxxxx, OK 73102 of any errors pertaining to Xx 00000 as soon as you can, if you think your account statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the print date on your FIRST statement on which the problem or error appeared. In the notification to MECU include the followingYou will need to: (a) Your a. tell us your name and account numberAccount number (if any); (b) A description of b. describe the error or the transfer that is in question. Please transaction you are unsure about, and explain as clearly explain as you can why you believe this to be it is an error or why you need more information;; and (c) The precise c. tell us the dollar amount of the error in questionsuspected error. If you tell us orallyverbally, we may require that you to send us your complaint or question in writing within 10 ten (10) business daysdays following the date you notified us. We will determine whether an error occurred within 10 ten (10) business days (or 5 twenty (20) business days for unauthorized use if the notice of a Debit Card per VISA limitationserror involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time time, however, we may take up to 45 forty-five (45) days (90 days if the transaction occurred at a point-of-sale location or outside the United States or on a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days (or 5 twenty (20) business days for unauthorized use if the notice of Debit Card per VISA limitations error involves an electronic fund transfer to or 20 business from the account within thirty (30) days for a new accountafter the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to compete complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (10) business days, we may not credit your account. We will tell you the results within 3 business days after completing our investigation if If we decide that determine there was no error error, we will reverse the previously credited amount, if any, and we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS. You are required to notify Municipal Employees Credit Union may telephone us at 000 X. Xxxxxx0-000-000-0000 or write us at: Columbia Bank, Oklahoma City00-00 Xxxxx 000, OK 73102 of any errors pertaining to Xxxx Xxxx, XX 00000 Attn: Customer Service Center as soon as you can if you think your account receipt, statement or passbook record is wrong or if you need more information about a transaction listed on the statement or transaction record. We must hear from you no later than sixty (60) days after we sent you the print date on your FIRST statement on which the problem or error appeared. In the notification to MECU include You must do the following: : • Tell us your name, account number and Debit Card number (a) Your name and account number; (b) A description of if applicable). • Describe the error or the transfer that is in question. Please transaction you are unsure about, and explain as clearly explain as you can why you believe this to be it is an error or why you need more information; (c) The precise . • Tell us the dollar amount of the error in questionsuspected error. If you tell us orally, we may will require that you send us your complaint or question in writing within 10 ten (10) business days. We After we receive your inquiry, we will determine whether an error occurred tell you the results of our investigation within 10 business days ten (or 5 10) business days for unauthorized use of a Debit Card per VISA limitations) preauthorized electronic transfers on Accel®, PLUS and VISA® ATM transactions or PHONELINKsm transactions, purchase transactions after we hear from you and will correct any error promptly. If we need more time howevertime, we may take up to 45 forty-five (45) days for preauthorized electronic transfers from Accel®, PLUS and VISA® ATM or PHONELINKsm transactions conducted in the United States. Or we may take ninety (90 90) days if the transaction occurred at a point-of-sale location or for ATM transactions conducted outside the United States or on a new account) for Point of Sale debit card transactions, including but not limited to merchant POS terminals, mail order, telephone and internet orders conducted anywhere, to investigate your complaint or questionquestions. If we decide to do this, we will credit your account within 10 ten (10) business days if it is a preauthorized electronic transfer from an Accel®, PLUS and VISA® ATM or PHONELINKsm transaction, or purchase transactions (or 5 business days for unauthorized use of Debit Card per VISA limitations or 20 business days for a new accountPOS/debit transactions) 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 compete complete our investigation. If we ask you to put do not receive your complaint or question in writing and we do not receive it within 10 ten (10) business days, we may will not credit your account. We will tell you the results within 3 business days after completing our investigation if If we decide that there was is no error and error, we will send you a written explanation. You may ask for copies of the documents that explanation within three (3) business days after we used in finish our investigation.. Five