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

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if you think your statement or receipt 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 FIRST statement on which the problem or error appeared. • Tell us your name and Account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think your statement or receipt is wrong wrong, or if you need more information about a transfer Transaction listed on the statement or receipt, contact us. • Write to us at the following address: Xxxxxxx Federal Credit Union Attn: Card Experience & Solutions P.O. Box 4000 Clinton, MD 00000-0000 • Call us at 000.000.0000, or 800.487.5500 or outside the U.S. 00000.000.00000. You may call this number 24 hours a day, 7 days a week. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and Account account number. • Describe , describe the error or the transfer Transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ; Tell us the dollar amount of the suspected error. If you tell notify us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. 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 we will promptly correct any error promptlyerrors. If However, if we need more time, however, we may take up to 45** 45 days to investigate your complaint or questionquestions. If we decide to do this, we will provisionally credit your Account account, for the disputed amount, within ten (10)* 10 business days for the amount after hearing from you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing writing, and we do not receive it within ten (10) 10 business days, we may choose not to provisionally credit your Accountaccount. 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 of completing our investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after explanation. If provisional credit was given but no error was found, we finish our investigationwill debit the provisional amount from your account or will otherwise hold you liable for repayment. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: Telephone us at 0-000-000-0000; • By emailing 0000 between the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; hours of 8:00am and 6:00pm Eastern Time, Monday through Friday (other than Bank holidays), or • By writing a letter and sending it write to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us at the address provided at the beginning of this Agreement as soon as you can if you think your statement or receipt is wrong 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 calendar days after we sent you the FIRST statement on which the problem or error appeared. • ▪ Tell us your name and Account account number. • ; ▪ Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ; and ▪ 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) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Accountaccount. 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 twenty 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, and we will have 20 business days instead provide these to you without charge. If your alleged error concerns a transfer to or from a third party, our investigation may be limited to a review of ten (10) business daysour own records. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulationsdecide that there was no error, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of may want to contact the loss. This does not apply third party to ATM transactions using a PIN(s)pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: Telephone us at 0-000-000-0000; • By emailing 0000 between the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; hours of 8:00am and 6:00pm Eastern Time, Monday through Friday (other than Bank holidays), or • By writing a letter and sending it write to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us at the address provided at the beginning of this Agreement as soon as you can if you think your statement or receipt is wrong 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 calendar days after we sent you the FIRST statement on which the problem or error appeared. •  Tell us your name and Account account number. • ;  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ; and  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) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* business days for the amount you think is in error, ; so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Accountaccount. 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 twenty 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, and we will have 20 business days instead provide these to you without charge. If your alleged error concerns a transfer to or from a third party, our investigation may be limited to a review of ten (10) business daysour own records. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulationsdecide that there was no error, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of may want to contact the loss. This does not apply third party to ATM transactions using a PIN(s)pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, call us or write to us as soon as you can, at either of the Contact Numbers or Addresses indicated above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and Account account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days (90 days for foreign or point-of-sale transactions, or transactions involving new accounts) to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* 10 business days (20 business days for new accounts) 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 questions in writing and we do not receive it the writing within ten (10) 10 business days, we may not credit recredit your Accountaccount. We will tell you the results of our investigation within three business days after completing the investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check Call us at (866) 000- 0000 or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosurewrite us at Customer Care, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 608905100, Los AngelesPasadena, CA 00000-0000. Contact us 91117 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer transaction listed on the a statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us When notifying us, you will need to tell us: (i) your name and Account account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can ; (ii) why you believe it there is an error or why you need more information. • Tell us and the dollar amount of involved; and (iii) approximately when the suspected error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the 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. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your account. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally provide a provisional credit to your Account account within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provide a provisional credit to your Accountaccount. For errors involving new accounts, point-of-sale transactions, 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 provide a provisional credit to 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: Call us at (000) 000-000-0000 or write us at Customer Care, X.X. Xxx 0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los AngelesXxxxxxxx, CA 00000-0000. Contact us 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 transfer transaction listed on the an Account statement or receipt. We must hear from you no later than 60 days after we sent the FIRST Account statement on which the problem or error appeared. • Tell us When notifying us, you will need to tell us: (i) your name and Account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can ; (ii) why you believe it there is an error or why you need more information. • Tell us and the dollar amount of involved; and (iii) approximately when the suspected error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the 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. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally provide a provisional credit to your Account within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement Including Direct Deposit, Bank ATM transactions, Bank Debit MasterCard® transactions, GCB Telephone Banking transactions, GCB Online Banking transactions and Disclosure/or pre-authorized payments, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: call us at 000-000-0000 and ask for Customer Service. Or write to us at GCB/NCB Customer Service, 00 Xxxxxxx Xxxxxx, XX Xxx 0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los AngelesXxxxxxxxxx, CA XX 00000-0000. Contact us as soon as you can The Bank should be contacted if you think your statement or receipt is wrong or if you need more information about a transfer listed on the in your statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement (by mail or eStatement) on which the problem or error appeared. • Be prepared to provide us with the following information: Tell us your name and Account account number. • Describe the error or the transfer you are unsure about, think is incorrect 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 of the suspected error. If you tell notify us orally, we may will require that you to send us your complaint or question in writing within ten (10) business daysdays following the date that you notified us. We will tell report to you the results of our investigation within ten (10)* ) business days after we hear from following the date you and notified us. We 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 questionquestion following the date you notified us. If we decide to do thisuse more time to investigate, within ten (10) business days following the date you notified us, we will provisionally credit your Account within ten (10)* business days account 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 do not receive your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your Accountaccount. Please note that for new customers or for (a) Debit Card, (b) point of sale or (c) foreign country transactions, these time frames may be extended to 20 and 90 days respectively, as allowed by law. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation, and we must make these available to you for inspection. * If you assert an error within 30 days after you make the first deposit to your AccountFor a reasonable fee covering our duplication costs, we will have 20 business days instead provide you with copies of ten any such documents which you request if your alleged error concerns a transfer to or from a third party (10) business daysfor example, a Social Security payment), our investigation may be limited to a review of our own records. ** If we decide that there was no error, you may want to contact such third party to pursue the matter further. If you give notice of an error within 30 days after comply with the conditions set forth above, in cases which you make the first deposit think that a transfer from your account was initiated by a third party that was not authorized to initiate any transfers from your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territoriesaccount, we will have 90 days instead request a copy of 45 days to investigatethe third party authorization. In accordance with Visa Operating Rules and RegulationsIf we do not request it within thirty (30) calendar days, we will credit your account for the transfer you think is unauthorized, so you will receive a provisional credit for Visa Check Card losses for unauthorized have the use within five (5) business days after of your money until we determine whether you have notified us of had authorized the loss. This does not apply to ATM transactions using a PIN(s)transfer.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In Telephone us or write us at the event that you believe there has been an error with respect to any original check telephone number or image thereof transmitted to address identified in the Credit Union for deposit “Errors or a breach Questions” section of this Agreement and DisclosureAgreement, you will immediately contact or send us a secure electronic message within the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us applicable Service application (if messaging is available) as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receiptstatement. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. You must: • Tell us your name and the Account number. • Describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* ) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45** ) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money during the duringthe time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Account. For errors involving new Accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three (3) business days after completingour investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make need more information about our error-resolution procedures, call us at the first deposit to your Account, we will have 20 business days instead customer service number provided in the “Errors or Questions” section of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s)this Agreement.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In Telephone us or write us at the event that you believe there has been an error with respect to any original check telephone number or image thereof transmitted to address identified in the Credit Union for deposit “Errors or a breach Questions” section of this Agreement and DisclosureAgreement, you will immediately contact or send us a secure electronic message within the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us applicable Service application (if messaging is available) as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receiptstatement. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. You must: • Tell us your name and the Account number. • Describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* ) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45** ) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Account. For errors involving new Accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make need more information about our error-resolution procedures, call us at the first deposit to your Account, we will have 20 business days instead customer service number provided in the “Errors or Questions” section of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s)this Agreement.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: Call us at (000) 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; 0000 or • By writing a letter and sending it to write us at Customer Care, P.O. Box 608901070, Los AngelesWest Xxxxxxx, CA 00000OH 45071-0000. Contact us 1070 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer transaction listed on the a statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us When notifying us, you will need to tell us: (i) your name and Account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can ; (ii) why you believe it there is an error or why you need more information. • Tell us and the dollar amount of involved; and (iii) approximately when the suspected error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the 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. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally provide a provisional credit to your Account within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error accordance with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach Section 2.4 of this Agreement and DisclosureAgreement, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can Bank if you think that your statement or receipt 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 FIRST statement on which the problem or error appeared. • Tell us your name and Account numbernumber (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days10 Business Days. We will tell you determine whether an error occurred within 10 Business Days (5 Business Days for Visa Check Card point-of-sale transactions processed by Visa and 20 Business Days if the results of our investigation within ten (10)* business days transaction 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 45** 45 days (90 days if the transaction involved a new Account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten 10 Business Days (10)* business days 5 Business Days for Visa Check Card point-of-sale transactions processed by Visa and 20 Business Days if the transfer involved a new Account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days10 Business Days, we may not credit your Account. 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 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, For lost or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for stolen Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using Cards, call 0-000-000-0000, 24 hours a PIN(s)day.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: Telephone us at 0-000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; , write us at PO Box 1323 Corbin KY 40701, or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact email us at xxxx@xxxxxxxxxxxxx.xxx as soon as you can can, if you think your statement or receipt is wrong or if you need more additional information about regarding a transfer listed on the statement or receiptstatement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • o Tell us your name and Account account number. • o Describe the error or the 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. • o 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. 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 any error promptlywithin one business day after our determination. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the period of time we investigate the error. If we ask you to send your complaint or question in writing and we do not receive it within 10 business days, we are not required to credit your account. For errors involving new accounts or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will credit your account within 5 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 for us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business daysFor new accounts, we may not take up to 20 business days to credit your Accountaccount for the amount you believe 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: Telephone us at 000-000-0000; • By emailing , or write us at the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Commercial Bank of Xxxxxxx, Bookkeeping Department, P. O. Box 608907, Los AngelesGrayson, CA 00000-0000. Contact us KY 41143 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the your statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. •  Tell us your name and Account number. • account number (if any)  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ;  Tell us the dollar amount of the suspected error. 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. We will tell you the results of our investigation determine whether an error occurred within ten (10)* ) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45** ) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Accountaccount. If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an a notice of error within 30 days after you make involves unauthorized use of your point of sale debit card with the first deposit to your AccountVISA logo when it is used as a VISA point of sale debit card, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provide provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified notify us instead of the loss. This does not apply to ATM transactions using a PIN(s).within ten (10) or twenty

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In case of errors or questions about your electronic transfers, telephone us at the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of Telebank 24 number listed in this Agreement and DisclosureDisclosure and press 0 to speak to Client Services, you will immediately contact the Credit Union regarding such error Monday through Friday, 7:00 AM to 8:00 PM Central Time and Saturday, 8:00 AM to 4:00 PM Central Time, or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890write us at 0000 Xxxx, Los AngelesXxxxxx Xxxx, CA 00000-0000. Contact us XX 00000 as soon as you can can, if you think your statement or receipt 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 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and Account numberaccount number (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you to send us your complaint or question in writing within ten (10) business days. We will tell you determine whether an error occurred within the results of our investigation within first ten (10)* ) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45** ) days to investigate your complaint or question. If we decide to do this, we will provisionally may credit your Account account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Accountaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. For point-of-sale transactions using your VISA® Debit Card, VISA® Operating Rules require us to re-credit your account within five (5) business days if we have not been able to complete our investigation. 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make we credit your account for the first deposit to your Accountamount in question, we will have 20 business days instead reserve the right to reverse the credit should we determine, after completion of ten (10) business daysour investigation, no error occurred. ** If you give notice of an Furthermore, should we determine no error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulationshas occurred, you will receive a be notified of the date and the amount of any debit we make to reverse the provisional credit credit. We will honor checks, drafts or similar paper instruments payable to third parties and preauthorized transfers from your account for Visa Check Card losses for unauthorized use within five (5) business days after transmittal of such reversal notice. If we determine an error did occur, you have will be notified the provisional credit has been made final. Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make: • As necessary to complete transfers; • To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant; • To comply with government agency or court orders; • If you give us of your written permission; or • As required by law. Personal Identification Number (PIN). The ATM PIN issued to you is for your security purposes. The numbers are confidential and should not be disclosed to third parties or recorded on the losscard. This does not apply to ATM transactions using a You are responsible for safekeeping your PIN(s). You agree not to disclose or otherwise make your ATM PIN available to anyone not authorized to sign on your accounts.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In case of errors or questions about electronic transfers, telephone us at the event that you believe there has been an error with respect to any original check number below, E-mail us at xx.xx@xxxxxx.xxx , or image thereof transmitted send us a written notice to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us address below as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receiptcan. We must hear from you no later than 60 sixty (60) days after we sent the FIRST first statement on which the problem or error appearedappears. 000-000-0000 P&G Mehoopany Employees Federal Credit Union Attention: Online banking P.O. Box 210, Tunkhannock, PA 18657 • Tell us your name and Account member number. • Describe the error or the transfer electronic transaction you are unsure about, and explain as clearly as you can why you believe it is an error error, or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will tell you the results of our investigation within ten (10)* 10 business days (20 business days if your complaint or question involves a transaction to or from an account within 30 days after the first deposit to the account was made) after we hear from you and you. We will correct any error promptly. If we need more time, however, we may take up to 45** 45 days (90 days if your complaint or question involves a transaction to or from an account within 30 days after the first deposit to the account was made) to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* 10 business days (20 days if the complaint or error involves a transaction to or from an account within 30 days after the first deposit to the account was made) for the amount you think is in error, 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 questions in writing and we do not receive it within ten (10) 10 business days, we may not credit your Accountaccount. If we decide that there was no error, we will send you a written explanation within three (3) 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think your statement or receipt is wrong incorrect, or if you need more additional information about a transfer listed on the statement or receipt. , you can con- tact us in one of the following ways: Call our Customer Service Center during business hours at: 866.872.1866 (toll-free) Write us at: Union Savings Bank Bank Operations Department P.O. Box 647 Danbury, CT 06813-0647 We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • In notifying us of a problem or error, please include the following: [1] Tell us your name and Account numbernumber (if any). • [2] Describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more additional information. • [3] Tell us the dollar amount of the suspected error. If you tell choose to notify us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* 10 business days (5 business days for Visa® Debit Card transactions, or within 20 business days if the error occurred within the first 30 days of the first deposit to your Account) after you notify us, and we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or questionquestion for most types of errors. (We may take up to 90 days if the transaction in question was initiated in a foreign country, was a result of a POS transaction, or if the error occurred within the first 30 days of the first deposit to your Account.) If we decide to do this, we will provisionally credit your Account account within ten (10)* 10 business days (5 business days for Visa® Debit Card transactions or within 20 business days if the error occurred within 30 days of the first deposit to your Account) for the amount you think believe is in error, so that you will may have the use of the money funds during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no erroran error did not occur, we will send you a written explanation within three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check case of errors or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosurequestions about your electronic transfers, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: telephone us at 0-000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; 0000 or • By writing a letter and sending it to P.O. Box 60890write us at 00 Xxxxx Xxxxxx, Los AngelesLeominster Ma, CA 00000-0000. Contact 01453 or email us at xxxx@xxxxxxxxxxxx.xxx as soon as you can if can. If you think your statement or receipt 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 FIRST statement on which the problem or error appeared. •  Tell us your name and Account numberaccount number (if any). •  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. •  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. 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 any error promptly. If we need more time, however, we may take up to 45** 45 calendar days to investigate your complaint or question. If we decide to do this, we will provisionally provide provisional credit to your Account account within ten (10)* 10 business days for the amount in which you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Accountyou account. 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of to see the documents that we used in for our investigationinvestigation and we must make these available for your inspection. * If you assert an error within 30 days after you make the first deposit to your Account, For a reasonable fee covering our duplication costs we will have 20 business days instead provide you with copies of ten (10) business daysany such documents which you request. ** If you give notice Any documentation provided to you, which indicates that an electronic fund transfer was made, shall be admissible as evidence of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions such transfer and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s)shall constitute prima facie proof that such transfer was made.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement on which the problem or receipterror appeared, telephone us at 000-000-0000, write us at Tidemark Federal Credit Union, PO Box 1630, Millsboro, DE 19966, or e-mail us at MemberServices@ xxxxxxxxxxx.xxx as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and Account numberaccount number (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. information.‌ • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Accountaccount. 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check case of errors or image thereof transmitted to the Credit Union for deposit questions regarding Online Banking or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error Xxxx Payment transactions or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement your statement, call Catskill Xxxxxx Bank at (000) 000-0000 or receipt. write to us as soon as you can at: Catskill Xxxxxx Bank Operations Department 000 Xxxxx 000 Xxxx, Xxxxx 0 Xxxxxxxxxx, Xxx Xxxx 00000 We must hear from you at the specified telephone number or address no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your We will need:  Your name and Account number. • Describe number (if any)  A description of the error or the transfer you are unsure about, in question and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • Tell us the  The dollar amount of the suspected errorerror and date on which it occurred. If you tell us the report is made orally, we may require that you must send us your the complaint or question to Catskill Xxxxxx Bank in writing within ten (10) 10 business days. For CONSUMERS ONLY: We will tell notify you with the results of our the investigation within ten (10)* 10 business days after we hear from you and will correct any error promptlynotified us. If we need more time, however, we may take up to 45** 45 days to investigate your a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Account account within ten (10)* 10 business days for the amount you think is in error, so that . This will allow you will have the to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question is not received by us in writing and we do not receive it within ten (10) 10 business days, we may not credit your Accountaccount. If an alleged error involves new Account or an electronic funds transfer outside a state or territory or possession of the United States, the applicable time periods for action by us are 20 business days (instead of 10) and 90 calendar days (instead of 45). We will inform you of the results of our investigation within 3 business days after completing our investigation. If we decide determine that there was no errorerror occurred, we will send you a written explanation within three (3) business days after we finish or our investigationdetermination, and any credit to your account with respect thereto shall be reversed. You may ask for request copies of the documents that we used in our investigation. * If You agree that Catskill Xxxxxx Bank may respond to you assert an error by electronic mail with regard to any claim of unauthorized electronic funds transfer related to the Service. Any such electronic mail sent to you by Catskill Xxxxxx Bank shall be considered received within 30 three (3) days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does date sent by Catskill Xxxxxx Bank, regardless of whether or not apply you sign on to ATM transactions using a PIN(s)the Service within that time frame.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check Call us at (866) 000- 0000 or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosurewrite us at Customer Care, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-X.X. Xxx 0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los AngelesXxxxxxxx, CA 00000-0000. Contact us 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 transfer listed on the statement or receiptan electronic transaction. We must hear from you no later than 60 days after we sent the FIRST Account statement on which the problem or error appeared. • Tell us When notifying us, you will need to tell us: (i) your name and Account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can ; (ii) why you believe it there is an error or why you need more information. • Tell us and the dollar amount of involved; and (iii) approximately when the suspected error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the 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. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally provide a provisional credit to your Account within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement statement, please telephone us at 0- 000-000-0000 or receiptwrite us at P.O. Box 940, San Jose, CA, 95113 as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us To dispute a transaction or statement: Provide your name and Account numberSPA number (if any). • Describe the error or the transfer you are unsure aboutdisputed transfer, and explain as clearly as you can possible why you believe it the transaction is an in error or why you need more information. • Tell us Provide the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question Confirm all oral disputes in writing within ten (10) 10 business days. Provide supporting documentation if available. We will tell you the results of our investigation attempt to determine whether an error has occurred within ten (10)* 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account SPA within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your AccountSPA. For errors involving a new SPA, we may take up to 90 days to investigate your complaint or question. For new SPAs, we may take up to 20 business days to credit your SPA for the amount you think is in error. The extended time periods for new SPAs apply to all electronic fund transfers that occur within the first 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In case of errors or questions about electronic transfers, telephone us at the event that you believe there has been an error with respect to any original check number below, E-mail us at xxxxxxx@xxxxxxxxxxxxxxxxxxx.xxx, or image thereof transmitted send us a written notice to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us address below as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receiptcan. We must hear from you no later than 60 sixty (60) days after we sent the FIRST first statement on which the problem or error appearedappears. • 000-000-0000 Sterling Federal Credit Union P.O. Box 1086, Sterling, Colorado 80751 a. Tell us your name and Account member number. • b. Describe the error or the transfer electronic transaction you are unsure about, and explain as clearly as you can why you believe it is an error error, or why you need more information. • IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS continued. c. 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. We will tell you the results of our investigation within ten (10)* 10 business days (20 business days if your complaint or question involves a transaction to or from an account within 30 days after the first deposit to the account was made) after we hear from you and you. We will correct any error promptly. If we need more time, however, we may take up to 45** 45 days (90 days if your complaint or question involves a transaction to or from an account within 30 days after the first deposit to the account was made) to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* 10 business days (20 days if the complaint or error involves a transaction to or from an account within 30 days after the first deposit to the account was made) for the amount you think is in error, 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 questions in writing and we do not receive it within ten (10) 10 business days, we may not credit your Accountaccount. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s)6.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check Call us at (866) 000- 0000 or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosurewrite us at Customer Care, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 608905100, Los AngelesPasadena, CA 00000-0000. Contact us 91117 as soon as you can if you think your Account statement or receipt is wrong or if you need more information about a transfer listed on the statement or receiptan electronic transaction. We must hear from you no later than 60 days after we sent the FIRST Account statement on which the problem or error appeared. • Tell us When notifying us, you will need to tell us: (i) your name and Account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can ; (ii) why you believe it there is an error or why you need more information. • Tell us and the dollar amount of involved; and (iii) approximately when the suspected error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the 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. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally provide a provisional credit to your Account within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you You will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: telephone us at (000) 000-0000 or write us at Fairfax State Savings Bank, Main Office, XX Xxx 000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los AngelesXxxxxxx, CA 00000-0000. Contact us Xxxx 00000- 0277 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about a transfer transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will: • Tell us your name and Account account number. • Describe the error or the transfer 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. • 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. We will tell you the results of our investigation determine whether an error occurred within ten (10)* 10 business days (20 business days if new account) after we hear from you and will correct any the error promptly. If we need more time, however, we may take up to 45** 45 days (90 days if a new account) to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* 10 business days (20 business days if a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Accountaccount. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account. 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check Call us at (866) 000- 0000 or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosurewrite us at Customer Care, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-X.X. Xxx 0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los AngelesXxxxxxxx, CA 00000-0000. Contact us XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer transaction listed on the a statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us When notifying us, you will need to tell us: (i) your name and Account account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can ; (ii) why you believe it there is an error or why you need more information. • Tell us and the dollar amount of involved; and (iii) approximately when the suspected error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the 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. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your account. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally provide a provisional credit to your Account account within ten (10)* 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not provide a provisional credit to your Accountaccount. For errors involving new accounts, point-of-sale transactions, 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 provide a provisional credit to 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: Telephone us at 0-000-000-0000; • By emailing 0000 between the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; hours of 8:00am and 6:00pm Eastern Time, Monday through Friday (other than Bank holidays), or • By writing a letter and sending it write to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us at the address provided at the beginning of this Agreement as soon as you can if you think your statement or receipt is wrong 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 calendar days after we sent you the FIRST statement on which the problem or error appeared, or the problem was FIRST reflected on your passbook. • Tell us your name and Account account number. • ;  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ; and  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) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* business days for the amount you think is in error, ; so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Accountaccount. 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 twenty 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, and we will have 20 business days instead provide these to you without charge. If your alleged error concerns a transfer to or from a third party, our investigation may be limited to a review of ten (10) business daysour own records. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulationsdecide that there was no error, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of may want to contact the loss. This does not apply third party to ATM transactions using a PIN(s)pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think your statement or receipt is wrong incorrect, or if you need more additional information about a transfer listed on the statement or receipt. , you can con- tact us in one of the following ways: Call our Customer Service Center during business hours at: 866.872.1866 (toll-free) Write us at: Union Savings Bank Bank Operations Department P.O. Box 647 Danbury, Connecticut 06813-0647 We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • In notifying us of a problem or error, please include the following: [1] Tell us your name and Account numbernumber (if any). • [2] Describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more additional information. • [3] Tell us the dollar amount of the suspected error. If you tell choose to notify us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* 10 business days after you notify us, and we hear from you and will correct any error promptly. (We may extend this time period to 20 business days if the error occurred within the first 30 days of the first deposit to your Account.) If we need more time, however, we may take up to 45** 45 days to investigate your complaint or questionquestion for most types of errors. (We may take up to 90 days if the transaction in question was initiated in a foreign country, was a result of a POS transaction, or if the error occurred within the first 30 days of the first deposit to your Account.) If we decide to do this, we will provisionally credit your Account account within ten (10)* 5 business days for Debit Card transac- tions, within 10 business days for ATM or POS transactions, or within 20 business days if the error occurred within 30 days of the first deposit to your Account, for the amount you think believe is in error, so that you will may have the use of the money funds during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no erroran error did not occur, we will send you a written explanation within three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit SURRENDER OF CARD The Union Savings Bank ATM Card(s) and Union Savings Bank Debit Card(s) belong to us. We can, at any time, take possession of your Account, we will have 20 business days instead of ten (10Card(s). You agree to surrender your Card(s) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Accountwhen we, or notice of an error involving a transaction initiated outside the United Statesour agents, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s)request it.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think your statement or receipt is wrong wrong, or if you need more information about a transfer listed on the statement or receipt, call us at (000) 000-0000 or write to St. Vincent’s Medical Center Federal Credit Union, 0000 Xxxx Xxxxxx, Xxxxxxxxxx, XX 00000. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your When contacting us, our agents will need the following information; a) Your name and Account account number. • , b) Describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • , c) Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us your complaint or question in writing within ten (10) 10 business days. We will tell you the results of our investigation determine whether or not an error occurred within ten (10)* 10 business days after we hear from you and will correct any error promptly. If However, if we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If (Exceptions: For errors involving new accounts, point of sale or foreign initiated transactions, we decide may take up to do this90 days to investigate, we will provisionally re-credit your Account account within ten (10)* 10 business days (20 days for new accounts or 5 days for MasterCard transactions) for the amount you think is in error, so that . The provisional credit enables you will to have the use of the money during the time it takes us to complete our investigation. If Please note that if we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business daysdays of our request, we may not credit your Accountaccount. 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: Telephone us at 0-000-000-0000; • By emailing 0000 between the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; hours of 8:00am and 6:00pm Eastern Time, Monday through Friday (other than Bank holidays), or • By writing a letter and sending it write to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us at the address provided at the beginning of this Agreement as soon as you can if you think your statement or receipt is wrong 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 calendar days after we sent you the FIRST statement on which the problem or error appeared, or the problem was FIRST reflected on your passbook. • ▪ Tell us your name and Account account number. • ; ▪ Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ; and 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) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* business days for the amount you think is in error, ; so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Accountaccount. 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 twenty 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, and we will have 20 business days instead provide these to you without charge. If your alleged error concerns a transfer to or from a third party, our investigation may be limited to a review of ten (10) business daysour own records. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulationsdecide that there was no error, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of may want to contact the loss. This does not apply third party to ATM transactions using a PIN(s)pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In Telephone or write us at the event that you believe there has been an error with respect to any original check telephone number or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us address above as soon as you can can, if you think your statement or receipt 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 FIRST statement on which the problem or error appeared. • a Tell us your name and Account account number. • b Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • c 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. 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 any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* 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. For VISA ATM/Debit Card (non-ATM) transactions, we will credit your Account within five business days for the amount you think is in error unless we determine that the circumstances or your Account history warrants a delay of up to 10 business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Account. 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s).

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think that an electronic transfer shown on your statement or receipt is wrong wrong, or if you need more information about a transfer listed on the statement transfer, immediately call us at 0-000-000-0000 during business hours, email us at Xxxx@XxxxxxXXX.xxx or receiptwrite us at Xxxxxx Federal Credit Union, 0000 Xxxxxx Xxx Suite, 100, Dublin, CA 94568-2788. We must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the error or problem or error appeared. • You must: a) Tell us your name and Account account number. • , b) Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it there is an error or why you need more information. • , and c) 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. We will tell you the results of our investigation within ten 10 business (10)* 20 business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. promptly If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may are not required to re-credit your Accountaccount during our investigation. If we decide that there was no error, we We will send you a written explanation of the results of our investigation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you assert we determine that we made an error within 30 days after you make the first deposit to your Accounterror, we will have 20 business days instead of ten credit your account, or change a provisional credit to a permanent credit, within one (101) business daysday. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territorieswe determine that there was no error, we will have 90 days instead of 45 days reverse any provisional credit we made to investigateyour account. In accordance with Visa Operating Rules and Regulations, you will receive If our reversing a provisional credit results in checks overdrawing your account, we will pay them for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us the reversal without charging an overdraft fee, but only to the extent that the overdraft does not exceed the amount of the lossprovisional credit. This does not apply If any item overdraws your account by more than the amount of the provisional credit, you will be charged an overdraft fee. You agree to ATM transactions using a PIN(s)immediately restore to Xxxxxx FCU the amount of any overdraft on your accounts. If the error or question relates to the use of Xxxxxx FCU Online Banking or Xxxxxx FCU Bill Pay to access lines of credit, please refer to the applicable Loan Agreement and Disclosure for error resolution procedures.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can if If you think your statement or receipt is wrong wrong, or if you need more information about a transfer listed on the your statement or receipt, telephone us at 000-000-0000 or write us at the Commercial Bank of Xxxxxxx, Bookkeeping Department, P. O. Box 7, Grayson, KY 41143, as soon as you can. We must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. •  Tell us your name and Account number. • account number (if any)  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ;  Tell us the dollar amount of the suspected error. 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. We will tell you the results of our investigation determine whether an error occurred within ten (10)* ) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45** ) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Accountaccount. If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an a notice of error within 30 days after you make involves unauthorized use of your point of sale debit card with the first deposit to your AccountVISA logo when it is used as a VISA point of sale debit card, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provide provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified notify us instead of the loss. This does not apply to ATM transactions using a PIN(s).within ten (10) or twenty

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check case of errors or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosurequestions about your electronic transfers, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: telephone us at 0-000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; 0000 or • By writing a letter and sending it to P.O. Box 60890write us at 00 Xxxxx Xxxxxx, Los AngelesLeominster Ma, CA 00000-0000. Contact 01453 or email us at xxxx@xxxxxxxxxxxx.xxx as soon as you can if can. If you think your statement or receipt 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 FIRST statement on which the problem or error appeared. • Tell us your name and Account numberaccount number (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. 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 any error promptly. If we need more time, however, we may take up to 45** 45 calendar days to investigate your complaint or question. If we decide to do this, we will provisionally provide provisional credit to your Account account within ten (10)* 10 business days for the amount in which you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Accountyou account. 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of to see the documents that we used in for our investigationinvestigation and we must make these available for your inspection. * If you assert an error within 30 days after you make the first deposit to your Account, For a reasonable fee covering our duplication costs we will have 20 business days instead provide you with copies of ten (10) business daysany such documents which you request. ** If you give notice Any documentation provided to you, which indicates that an electronic fund transfer was made, shall be admissible as evidence of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions such transfer and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using a PIN(s)shall constitute prima facie proof that such transfer was made.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check case of errors or image thereof transmitted to the Credit Union for deposit questions about your electronic transfers, including Direct Deposit, ATM transactions, Debit Card transactions, 24 Hour Telephone transactions, Online or a breach of this Agreement Mobile transactions and Disclosure/or pre- authorized payments, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: call North Shore Trust and Savings at 000-000-0000; • By emailing 0000 to speak with a Customer Service Representative, Monday - Friday between the Credit Union athours of 9:00am and 5:00pm, or write to us at North Shore Trust and Savings, 000 X. Xxxxx Ave Waukegan IL 60085, ATTN: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890Deposit Operations Department, Los Angeles, CA 00000-0000. Contact us as soon as you can promptly if you think your statement or receipt is wrong or if you need more information about a transfer listed on the in your statement or receipt. We must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell Be prepared to provide us with the following information: Provide us with: o your name and Account account number. • Describe o a description of the error or the transfer you are unsure about, think is incorrect and clearly explain as clearly as you can why you believe it is an error or why you need more information. • Tell us o 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. We will tell you the results of our investigation determine whether an error occurred within ten (10)* 10 business days (20 business days if the transfer involved a new account) after we hear receive the notice from you you, and we will correct any error promptly. If we need more time, however, we may take up to 45** 45 days (90 days if the transfer involved a new account, a point of sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, this we will provisionally credit your Account account (consumer account) within ten (10)* 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, 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 do not receive your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your Accountaccount. 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 three (3) business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make we have provisionally credited your account during the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions investigation and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulationsdetermine that there was no error, you will receive a provisional be required to return any credit for Visa Check Card losses for unauthorized use within five (5) business days after of funds you have notified us received from us. If you do not return the funds, subject to certain restrictions, we have the right to take the funds out of your accounts. Overdrawing Your Account Your account may become overdrawn if items are presented for payment totaling more than the amount of funds in your account. Bill payments and scheduled transfers look at the available balance at the time the transaction is processed. Your available balance may not take into consideration checks you have written or Debit card transactions which have not yet posted to your account. If an overdraft in your account does occur, you will pay the full amount of the lossoverdraft and associated fees to the Bank immediately upon request and the current fee for overdrafts. This does North Shore Trust and Savings offers several ways to limit the amount you pay in overdraft fees. You can apply for an Overdraft Line of Credit or establish an automatic Overdraft Sweep from another account. Contact a Customer Service Representative to learn more about these products. Fees Your deposit account(s) may be subject to certain minimum balance requirements to avoid monthly maintenance charges. For details, see the Truth in Savings disclosures given to you when you opened your account. If you have an Overdraft Line of Credit, you will be assessed a Finance Charge on any cash advances made on your credit line as provided in your Overdraft Line of Credit Account Agreement you signed when you establishing your Overdraft Line of Credit. These charges are subject to change by us. Automatic Overdraft Sweep transfers money from a designated account when your checking account falls below zero. Transfers are made in $100 increments, up to the available balance of the designated account. There is a fee for each automatic transfer, and it is still possible that you may be overdrawn if there is not enough available in the designated account to cover the deficiency in your checking account. Please refer to the FEE Schedule for additional information about Online Banking, Overdraft and other fees that may apply to ATM transactions using your account. You can always contact a PIN(s)Customer Service Representative for more details.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In the event that you believe there has been an error with respect to any original check or image thereof transmitted to the Credit Union for deposit or a breach of this Agreement and Disclosure, you will immediately contact the Credit Union regarding such error or breach as set forth below. • By calling the Credit Union at: 000-000-0000; • By emailing the Credit Union at: xxxxxxxxxx@xxxxxxxxxxx.xxx; or • By writing a letter and sending it to P.O. Box 60890, Los Angeles, CA 00000-0000. Contact us as soon as you can can, if you think your paper statement or receipt is wrong wrong, or if you need more information about a transfer listed on the statement or receiptyour paper statement. We must hear from you no later than 60 days after we sent the FIRST paper statement on upon which the problem or error appeared. • When you contact us: (1) Tell us your name and Account account number. • (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error error, or why you need more information. • (3) Tell us the dollar amount of the suspected error. If you tell contact us orallyby telephone or by email, we may require that you send us your complaint or question in the form of paper writing by postal mail or fax within ten (10) 10 business days. We will tell communicate to you the results of our investigation within ten (10)* 10 business days after we hear from you contact us and will correct any error promptly. If we need more time, however, we may take up to 45** 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account account within ten (10)* 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 WE DO NOT receive it in the form of a paper writing within ten (10) 10 business days, we may not provisionally credit your Accountaccount. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you assert an error within 30 days after you make the first deposit to your Account, we will have 20 business days instead of ten (10) business days. ** If you give notice of an error within 30 days after you make the first deposit to your Account, or notice of an error involving a transaction initiated outside the United States, its possessions and territories, we will have 90 days instead of 45 days to investigate. In accordance with Visa Operating Rules and Regulations, you will receive made a provisional credit for Visa Check Card losses for unauthorized use within five (5) business days after you have notified us of the loss. This does not apply to ATM transactions using credit, a PIN(s)corresponding debit will be made from your account.