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. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call You must telephone us at (866000) 000- 000-0000 or toll free at 0-000-000-0000 or write us at Customer CareFinance Factors, X.X. Xxx 0000Limited, XxxxxxxxAttn: EFT Division, XX 00000 P. O. Box 3979, Honolulu, Hawaii 96812-9979, as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactionElectronic Fund Transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.. When reporting an error or requesting more information: i. 1. Tell us your name and account number. ii2. 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. iii3. Tell us the dollar amount of the suspected error. 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 also send us your complaint or question in writing within 10 business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not re-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 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If your request relates to a wire transfer or is a routine inquiry, such as a request for the balance in your account or for documents for tax purposes, we will not treat your request as relating to an error and our response may take longer than the periods described above and will not involve any re-crediting.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Notify us promptly at (866000) 000- 000-0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866) 000- 0000 or write us at Customer Carethe telephone number or address identified in the “Errors or Questions” section of this Agreement, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a secure electronic message within the 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 an electronic transactiona transfer listed on the statement. 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. i. . You must: • Tell us your name and account the Account number. ii. • 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. iii. • Tell us the dollar amount of the suspected error. 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 10 ten (10) business days. We will determine whether an error occurred within 10 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 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 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 10 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account 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. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at the customer service number provided in the “Errors or Questions” section of this Agreement.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call 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 at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. . • Tell us your name and account Account number. ii. • 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. iii. • Tell us the dollar amount of the suspected error. 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 10 ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within 10 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 10 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 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 10 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 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 investigationAccount. If we decide that there was no error, we will send you a written explanationexplanation within three (3) business days after we finish our investigation. 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. Call You must telephone us at (866000) 000- 000-0000 or toll free at 0-000-000-0000 or write us at Customer CareFinance Factors, X.X. Limited, Attn: EFT Division, P. O. Xxx 0000, Xxxxxxxx, XX 00000 Xxxxxx 00000-0000, as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactionElectronic Fund Transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.. When reporting an error or requesting more information: i. 1. Tell us your name and account number. ii2. 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. iii3. Tell us the dollar amount of the suspected error. 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 also send us your complaint or question in writing within 10 business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not re-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 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If your request relates to a wire transfer or is a routine inquiry, such as a request for the balance in your account or for documents for tax purposes, we will not treat your request as relating to an error and our response may take longer than the periods described above and will not involve any re-crediting.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866) 000- 0000 or write us at Customer Carethe telephone number or address identified in the “Errors or Questions” section of this Agreement, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a secure electronic message within the 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 an electronic transactiona transfer listed on the statement. 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. i. . You must: • Tell us your name and account the Account number. ii. • 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. iii. • Tell us the dollar amount of the suspected error. 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 10 ten (10) business days. We will determine whether an error occurred within 10 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 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 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 10 ten (10) business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 twenty (20) business days to credit your account Account for the amount you think is in error. We will tell you the results within three (3) business days after completing our completingour investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at the customer service number provided in the “Errors or Questions” section of this Agreement.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866000) 000- 000-0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your Account statement or receipt is wrong or if you need more information about a transaction listed on an electronic transactionAccount 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. i. Tell us . When notifying us, you will need to tell us: (i) your name and account Account number. ; (ii. Describe the error or the transfer you are unsure about, and explain as clearly as you can ) why you believe it there is an error or why you need more information. iii. Tell us and the dollar amount of involved; and (iii) approximately when the suspected errorerror 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 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 determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not provide a provisional credit to your accountAccount. For errors involving new accountsAccounts, point-of-salesale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 business days to provide a provisional credit to your account 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong incorrect, or if you need more additional information about an electronic transaction. 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: Write us at: We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. . In notifying us of a problem or error, please include the following: [1] Tell us your name and account number. iiAccount number (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. iii. [3] Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell choose to notify us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (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 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 credit your account within 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 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 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 errorAccount. We will tell you the results within three 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at 0-000-000-0000 between the hours of 8:00am and 6:00pm Eastern Time, Monday through Friday (866) 000- 0000 other than Bank holidays), or write to us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 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 an electronic transactiona 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. i. .  Tell us your name and account number. ii. ;  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. iii. ; and  Tell us the dollar amount of the suspected error. 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 10 ten business days. We will determine whether an error has occurred within 10 ten 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 credit your account within 10 ten 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 10 ten business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-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 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. You may ask for copies of the documents that we used in our investigation, and we will 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 our own records. If we decide that there was no error, you may want to contact the third party to pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000P.O. Box 5100, XxxxxxxxPasadena, XX 00000 CA 91117 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transaction listed on 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. i. Tell us . When notifying us, you will need to tell us: (i) your name and account number. ; (ii. Describe the error or the transfer you are unsure about, and explain as clearly as you can ) why you believe it there is an error or why you need more information. iii. Tell us and the dollar amount of involved; and (iii) approximately when the suspected errorerror 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 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 determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not provide a provisional credit to your account. For errors involving new accounts, point-of-salesale 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866000) 000- 000-0000 or write us at Customer Care, X.X. Xxx 0000P.O. Box 1070, XxxxxxxxWest Xxxxxxx, XX 00000 OH 45071-1070 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transaction listed on 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. i. Tell us . When notifying us, you will need to tell us: (i) your name and account Account number. ; (ii. Describe the error or the transfer you are unsure about, and explain as clearly as you can ) why you believe it there is an error or why you need more information. iii. Tell us and the dollar amount of involved; and (iii) approximately when the suspected errorerror 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 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 determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not provide a provisional credit to your accountAccount. For errors involving new accountsAccounts, point-of-salesale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 business days to provide a provisional credit to your account 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866888) 000- 0000 or write us at Customer GoBank Member Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Including Direct Deposit, Bank ATM transactions, Bank Debit MasterCard® transactions, GCB Telephone Banking transactions, GCB Online Banking transactions and /or pre-authorized payments, call us at (866) 000- 000-000-0000 or and ask for Customer Service. Or write to us at GCB/NCB Customer CareService, X.X. 00 Xxxxxxx Xxxxxx, XX Xxx 0000, XxxxxxxxXxxxxxxxxx, XX 00000 as soon as you can 00000. The Bank should be contacted if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed 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. i. . Be prepared to provide us with the following information: Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell notify us orally, we may will require that you to send us your complaint or question in writing within 10 ten (10) business daysdays following the date that you notified us. We will determine whether an error occurred report to you the results of our investigation within 10 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 45 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 10 business days for the amount you think is in error, error so that you will have the use of the money during the time that 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 10 ten (10) business days, we may not re-credit your account. For errors involving Please note that for new accountscustomers or for (a) Debit Card, point-of-sale, (b) point of sale or foreign-initiated (c) foreign country transactions, we these time frames may take up be extended to 20 and 90 days to investigate your complaint or question. For new accountsrespectively, 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 investigationas allowed by law. If we decide that there was no error, we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation, and we must make these available to you for inspection. For a reasonable fee covering our duplication costs, we will provide you with copies of any such documents which you request if your alleged error concerns a transfer to or from a third party (for example, a Social Security payment), our investigation may be limited to a review of our own records. If we decide that there was no error, you may want to contact such third party to pursue the matter further. If you comply with the conditions set forth above, in cases which you think that a transfer from your account was initiated by a third party that was not authorized to initiate any transfers from your account, we will request a copy of the third party authorization. If 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 have the use of your money until we determine whether you had authorized the transfer.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 If you believe your paper or write us at Customer Careelectronic statement is wrong, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement, you must telephone us at (000) 000-0000, or write us at XX Xxx 000, Xxxxx Xxxxxx, XX 00000. We You must hear from exercise ordinary care to determine that a funds transfer was not authorized by you no later than and notify the Bank of the relevant facts within a reasonable time not exceeding 60 days after we sent the FIRST statement on which date you received notification from the problem bank that the funds transfer was accepted or error appeared.that your account was debited with respect to the funds transfer order. When you contact us: i. (1) Tell us your name and account numbernumber (if any). ii. (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. iii. (3) Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell contact us orallyorally or by e-mail, we may require that you send us your complaint or question in the form of paper writing by postal mail or fax within 10 ten (10) business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 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 that 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 10 ten (10) business days, we may not credit your account. 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-salepoint of sale debit card transactions, or foreign-foreign- initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at 0-000-000-0000 between the hours of 8:00am and 6:00pm Eastern Time, Monday through Friday (866) 000- 0000 other than Bank holidays), or write to us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 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 an electronic transactiona 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. i. . ▪ Tell us your name and account number. ii. ; ▪ 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. iii. ; and ▪ Tell us the dollar amount of the suspected error. 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 10 ten business days. We will determine whether an error has occurred within 10 ten 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 credit your account within 10 ten 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 10 ten business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-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 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. You may ask for copies of the documents that we used in our investigation, and we will 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 our own records. If we decide that there was no error, you may want to contact the third party to pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 the number below or write send us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactioncan. 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 appeared.appears. (000) 000-0000 One Credit Union ATTN: Online Banking 000 Xxxxx Xx. Springfield, VT 05156 i. a. Tell us your name and member account number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred tell you the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 In case of errors or write us at Customer Carequestions about your electronic transfers, X.X. Xxx 0000statements, Xxxxxxxxor receipts, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic a transaction, call or write us at the telephone number or address listed above. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. A. Tell us your name and account number.; ii. 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.; and iii. C. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in into writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-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 decided that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866) 000- 0000 or 0-000-000-0000, write us at Customer CarePO Box 1323 Corbin KY 40701, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or 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 an electronic transactionregarding a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. . o Tell us your name and account number. ii. 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. iii. o Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 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 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the period of time that it takes us to complete our investigationwe investigate the error. If we ask you to put send your complaint or question in writing and we do not receive it within 10 business days, we may are not required to credit your account. For errors involving new accounts, point-of-sale, 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. For new accounts, we may take up to 20 business days to credit your account for the amount you think 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. . • Tell us your name and account number. ii. • 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. iii. • Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days 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 credit your account within 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 that 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 10 business days, we may not credit recredit 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 of our investigation within three business days after completing our the investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer CareIn accordance with Section 2.4 of this Agreement, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can contact Bank if you think that your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. . • Tell us your name and account number. iiAccount 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. iii. • Tell us the dollar amount of the suspected error. 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 10 business daysBusiness Days. We will determine whether an error occurred within 10 business days Business Days (5 Business Days for Visa Check Card point-of-sale transactions processed by Visa and 20 Business Days if the 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 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 credit your account Account within 10 business days 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 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 10 business daysBusiness Days, we may not credit your accountAccount. For errors involving Your Account is considered a 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 Account for the amount first 30 days after the first deposit is made, unless each of you think already has an established Account with us before this Account is in erroropened. We will tell you the results within three business days 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For lost or stolen Visa Check Cards, call 0-000-000-0000, 24 hours a day.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000P.O. Box 5100, XxxxxxxxPasadena, XX 00000 CA 91117 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxx@0xxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. 000-000-0000 option #2 1 st Ed Credit Union Attention: Member Services 0000 Xxxxxxxx Xxxxx Chambersburg, PA 17201 i. a) Tell us your name and account numbername. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, e-mail us at Customer Carexxxxx@xxxxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. (000) 000-0000 Gates Chili Federal Credit Union 0000 Xxxxxxx Xxxx Rochester, NY 14624 i. a) Tell us your name and account numberMember Number. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call The following consumer protections do not apply to business or other entity accounts. Telephone, write, or email us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 using the contact information under Contacting HVCU as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. 1. Tell us your name and member account numbernumber (if any). ii2. Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an in error or why you need more information. iii3. Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days 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 credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxxxxxxx@xxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appeared. i. appears. Estacado Federal Credit Union Attention: Online Banking 0000 Xxxxx Xxx Xxxx Xxxxxx Hobbs, NM 88240 000-000-0000 • Tell us your name and member/account number. ii. • Describe the error or the transfer electronic transaction you are unsure about, about and explain as clearly as you can why you believe it is an error error, or why you need more information. iii. • Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 days (90 days if your complaint or question involves a point of sale transaction to or from an account within 30 days after the first deposit to the account was made or if your compliant or question involves a transaction initiated outside the U.S. its possessions and territories) to investigate your complaint or question. If we decide to do this, we will credit your account within 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 that 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 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 explanationexplanation within three business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at 0-000-000-0000 between the hours of 8:00am and 6:00pm Eastern Time, Monday through Friday (866) 000- 0000 other than Bank holidays), or write to us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 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 an electronic transactiona 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. i. , or the problem was FIRST reflected on your passbook. Tell us your name and account number. ii. ;  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. iii. ; and  Tell us the dollar amount of the suspected error. 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 10 ten business days. We will determine whether an error has occurred within 10 ten 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 credit your account within 10 ten 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 10 ten business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-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 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. You may ask for copies of the documents that we used in our investigation, and we will 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 our own records. If we decide that there was no error, you may want to contact the third party to pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E- mail us at Customer Carexxxxx@xxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 Attention: Home Banking Services 000 Xx. Xxxxxx Xxx., Roselle, NJ 07203 i. a) Tell us your name and account member number. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement on which the problem or error 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. i. . • Tell us your name and account number. iinumber (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. iii. information.‌ • Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 xxxxxxxxxxx@xxxxxxxxxxxxxx.xxx or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactioncan. We must hear from you no later than 60 sixty (60) days after we sent the FIRST first statement on which the problem appears. 000-000-0000 or error appeared.0-000-000-0000 Carpenters Federal Credit Union Attention: Virtual Branch 000 Xxxxx Xx, Xx. Xxxx, MN 55130 i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation. If we credit your account with funds while investigating an error, you must repay those funds to us if we conclude no error has occurred.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about your electronic transfers, including Direct Deposit, ATM transactions, Debit Card transactions, 24 Hour Telephone transactions, Online or Mobile transactions and /or pre- authorized payments, call North Shore Trust and Savings at 000-000-0000 to speak with a Customer Service Representative, Monday - Friday between the hours of 9:00am and 5:00pm, or write to us at (866) 000- 0000 or write us at Customer CareNorth Shore Trust and Savings, X.X. Xxx 0000000 X. Xxxxx Ave Waukegan IL 60085, XxxxxxxxATTN: Deposit Operations Department, XX 00000 as soon as you can promptly if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed 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. i. Tell . Be prepared to provide us with the following information: Provide us with: o your name and account number. ii. 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. iii. Tell us o the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear 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 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 credit your account (consumer account) within 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 that 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 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 (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If we have provisionally credited your account during the investigation and determine that there was no error, you will be required to return any credit of funds you have 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. 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 overdraft and associated fees to the Bank immediately upon request and the current fee for overdrafts. 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. 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 your account. You can always contact a Customer Service Representative for more details.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866800) 000- 000-0000 or write us at Customer Stash Banking Account Member Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 Telephone or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 the telephone number or address above as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. (a) Tell us your name and account Account number. ii. (b) 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. iii. (c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. For Visa Check Card point-of-sale (non-ATM) transactions on the Visa network, 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 ten business days. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxx@xxxxx.xxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. 000-000-0000 Penn East Federal Credit Union Attention: Online Banking 000 X. 0xx Xxxxxx Xxxxxxxx, XX 00000 i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866000) 000- 000-0000 or (000) 000-0000, or write us at Customer CareCredit Union of Texas, X.X. Xxx 0000P.O. Box 7000, XxxxxxxxAllen, XX 00000 Texas 75013-1305 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement or receipt. We must hear from you no later than 60 calendar days after we sent the FIRST statement on which the problem or error appeared. i. . • Tell us your name and account number. ii. • Describe the error 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. iii. • Tell us the dollar amount of the suspected error. 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 10 business days. If we do not receive it within that timeframe, we may not provisionally credit (see below) your account. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not credit your accountAccount. For errors involving new accountsAccounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 business days to credit your account Account for the amount you think is in error. Provisional credit is a temporary credit that allows you to use the amount of money in dispute during the time it takes us to complete our investigation. We will tell you report the results of our investigation to you within three 3 business days after completing our investigation. If we decide that determine there was an error, we will promptly correct it. If we determine there was no error, we will send you a written explanationexplanation of our findings. You may ask for copies of the documents, other than documents that might be privileged under legal standards, that we used in making our investigationdetermination. If we determine that there was not an error, any provisional credits will be taken out of your account in accordance with Regulation E, and if there are insufficient funds in your account to cover the reversal of the provisional credit, the account may become overdrawn.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866888) 000- 0000 or write us at Customer GoBank Member Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not provide a provisional credit to your account. For errors involving new accounts, point-of-salesale 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer CareXXXX@xxxxxxxxxxxxxxxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. 000-000-0000 /000-000-0000 Members United Credit Union Attention: Virtual Branch 0000 Xxxxx Xxxxxxxx Xxxx. Albany, GA 31707 i. a) Tell us your name and account member number. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In Case of Errors or Questions About Your Electronic Fund Transfers, telephone us at (866) 000- 877-000-0000 or xx write us at Customer CareCred.ai, X.X. Xxx 0000P.O. Box 63834, XxxxxxxxPhiladelphia, XX 00000 PA 19147 (or to the address subsequently provided by notice to you) as soon as you can can, if you think your Deposit Account statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem or error appeared. i. (1) Tell us your name and account numberDeposit Account number (if any). ii. (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 or why you need more information. iii. (3) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Deposit Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not credit your accountDeposit Account. For errors involving new accountsDeposit Accounts (i.e., Deposit Accounts opened within the last 30 days), point-of-salesale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accountsDeposit Accounts, we may take up to 20 business days to credit your account Deposit 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. You may ask for copies of the documents that we used in our investigation. ARBITRATION CLAUSE—EXHIBIT A We have put this Arbitration Clause (“Clause”) in question and answer form to make it easier to understand. However, this Clause is part of this Agreement and is legally binding. It replaces any arbitration agreement in the Deposit Account Agreement.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, e-mail us at Customer Carexxxxx@xxxxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. (000) 000-0000 Gates Chili Federal Credit Union 0000 Xxxxxxx Xxxx Building 500-B Rochester, NY 14624 i. a) Tell us your name and account numberMember Number. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866800) 000- 0000 or write us at Customer Stash Debit Account Member Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxxx@xxxx.xxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. We must hear from you no later than 60 sixty (60) days after we sent the FIRST first statement on which the problem appears. (000)000-0000 or error appeared.000-000-0000 Xxxxx Xxxxxxxx Credit Union Attention: Member Services 0000 Xxxxxxxxx Xxxx XX Xxxx Xxxxxx, XX 00000 i. a) Tell us your name and account member number. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 reverse any credits previously given and we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxxxx@xxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. We must hear from you no later than 60 sixty (60) days after we sent the FIRST first statement on in which the problem or error appeared.appears. 000- 000-0000 i. 1. Tell us your name and account member number. ii2. Describe the error or the transfer electronic transaction you are unsure about, about and explain as clearly as you can why you believe it is an error error, or why you need more information. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxx@xxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. 000-000-0000 Live Life Federal Credit Union 00000 Xxxxx Xxxx Xxxxxx XX 00000 i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In the case of errors or questions about your electronic transfers, telephone us at (866) 000- 0-000-000-0000 or write us at Customer Care00 Xxxxx Xxxxxx, X.X. Xxx 0000Leominster Ma, Xxxxxxxx, XX 00000 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 an electronic transactiona 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. i. .  Tell us your name and account number. iinumber (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. iii.  Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will provide provisional credit to your account within 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 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 10 business days, we may not credit your you 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. 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. For a reasonable fee covering our duplication costs we will provide you with copies of any such documents which you request. Any documentation provided to you, which indicates that an electronic fund transfer was made, shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong or if you need more information about an electronic transactiontransfer listed on the statement, immediately telephone us at 000-000-0000 or 000-000-0000 in the Reading, PA area, e-mail us at Xxxxxxxxxx@xxxx.xxx or write us at X.X. Xxx 00000, Xxxxxxx, XX 00000-0000. 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. i. a. Tell us your name and account number. ii. b. Describe the error or the transfer you are unsure about, the date the transaction occurred, and explain as clearly as you can why you believe it is an in error or why you need more information. iii. c. Tell us the dollar amount of the suspected error. 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 question(s) in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days (5 business days for an unauthorized Advantages VISA® Check Card™ point-of-sale transaction and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (90 days if the transfer involved a new account*, 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 10 ten (10) business days (5 business days for an unauthorized Advantages VISA Check Card™ point-of-sale transaction 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 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 10 ten (10) business days, we may not credit your account. For errors involving (*Your account is considered a 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 first 30 days after the first deposit is in errormade). 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, send a Secure Message through EZ Money Manager, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxxxxxxxxxxxx@xxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared. i. appears. (000) 000-0000 Toll Free: (000) 000-0000 Erie Federal Credit Union 0000 Xxxxx Xx. Erie, PA 16508-2741 • Tell us your name and account member number. ii. • 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. iii. • Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 or is a POS debit card or foreign initiated transaction) to investigate your complaint or question. If we decide to do this, we will credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.. You will be liable for unauthorized access to accounts via EZ Money Manager Online Account Access to the extent allowed by applicable federal and state law. You must tell us AT ONCE if you believe your Member number, or Logon ID, or any record thereof, has been lost or stolen, or if any of your accounts have been accessed without your authority. You may send a Secure Message through EZ Money Manager, telephone us at 000-000-0000 or 000-000-0000 or mail to Erie Federal Credit Union Attention: Account Services 0000 Xxxxx Xxxxxx, Xxxx, XX 00000-0000. Telephoning is the best way of minimizing your liability. You could lose all the money in your accounts. If you tell us within two

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong wrong, or if you need more information about an electronic transactiona 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. i. Tell us your . When contacting us, our agents will need the following information; a) Your name and account number. ii. , 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. iii. , c) Tell us the dollar amount of the suspected error. 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 will require that you send us your complaint or question in writing within 10 business days. We will determine whether or not an error occurred within 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 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 re-credit your account within 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 that 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 10 business daysdays of our request, 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your Account statement or receipt is wrong or if you need more information about an 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. i. Tell us . When notifying us, you will need to tell us: (i) your name and account Account number. ; (ii. Describe the error or the transfer you are unsure about, and explain as clearly as you can ) why you believe it there is an error or why you need more information. iii. Tell us and the dollar amount of involved; and (iii) approximately when the suspected errorerror 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not provide a provisional credit to your accountAccount. For errors involving new accountsAccounts, point-of-salesale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 business days to provide a provisional credit to your account 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 the number below or write send us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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. i. a) Tell us your name and account member number. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866) 000- 0000 000-000-0000, or write us at Customer Carethe Commercial Bank of Xxxxxxx, X.X. Xxx 0000Bookkeeping Department, XxxxxxxxP. O. Box 7, XX 00000 Grayson, KY 41143 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on 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. i. .  Tell us your name and account number. ii. 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. iii. ;  Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. error If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 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 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 10 ten (10) business days, we may not credit your account. 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, point of sale debit card transactions or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 business 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. You may ask for copies of the documents that we used in our investigation.. If a notice of error involves unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five (5) business days after you notify us instead of within ten (10) or twenty

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxxxxx@xxxxxxxxxx.xx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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. Xxxxxx Employees Credit Union Attention: Internet Teller 0000 X. Xxxx Xx., Xxxxxxxxxxxx, XX 00000 i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement, please telephone us at 0- 000-000-0000 or write 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. i. Tell us . To dispute a transaction or statement: Provide your name and account number. iiSPA 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. iii. Tell us Provide the dollar amount of the suspected error. 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 Confirm all oral disputes in writing within 10 business days. Provide supporting documentation if available. We will attempt to determine whether an error has occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account SPA within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not credit your accountSPA. For errors involving a new accounts, point-of-sale, or foreign-initiated transactionsSPA, we may take up to 90 days to investigate your complaint or question. For new accountsSPAs, we may take up to 20 business days to credit your account 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866000) 000- 000-0000 or write us at Customer Stash Banking Account Member Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, send a Secure Message through EZ Money Manager, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxxxxxxxxxxxx@xxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared. i. appears. (000) 000-0000 Toll Free: (000) 000-0000 Erie Federal Credit Union 0000 Xxxxx Xx. Erie, PA 16508-2741  Tell us your name and account member number. ii.  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. iii.  Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 or is a POS debit card or foreign initiated transaction) to investigate your complaint or question. If we decide to do this, we will credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation. You will be liable for unauthorized access to accounts via EZ Money Manager Online Account Access to the extent allowed by applicable federal and state law. You must tell us AT ONCE if you believe your Member number, or Logon ID, or any record thereof, has been lost or stolen, or if any of your accounts have been accessed without your authority. You may send a Secure Message through EZ Money Manager, telephone us at 000-000-0000 or 000-000-0000 or mail to Erie Federal Credit Union Attention: Account Services 0000 Xxxxx Xxxxxx, Xxxx, XX 00000-0000. Telephoning is the best way of minimizing your liability. You could lose all the money in your accounts. If you tell us within two (2) business days of the loss, theft, or unauthorized access, you can lose no more than $50 if someone accessed your account without your permission. If you do NOT tell us within two (2) business days after you learn of the loss, theft or unauthorized access, and we can prove we could have stopped someone from accessing your account without permission if you had notified us, you could lose as much as $500. Further, if your statement shows transfers that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not receive any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, contact us at Customer Carexxxx@xxxxxxxxxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appearedappears. i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 In case of errors or write us at Customer Carequestions about your electronic transfers, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement or receipt, telephone us at 000-000-0000 or 000-000-0000, Monday through Friday 8:00 A.M. through 4:30 P.M. (Central Time) or write to Blue Sky Bank formerly First National Bank P.O. Box 311, Weatherford OK 73096. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. 1. Tell us your name and account numbernumber (if any). ii2. 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. iii3. Tell us the dollar amount of the suspected error. 4. In additionFor an online bill payment, it would be helpful if you provided tell us with any supporting documentation related to the errorchecking account number, payee name, date payment was sent, payment amount, reference number and payee's account number for the payment in question. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, ; however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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 not an error, ; we will send you a written explanationexplanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, call us at (866) 000- 0000 the number below, e-mail us xxxxxxxxxxxxxxx@xxx.xxx, or write send us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared. i. appears. Note that Reg E guidelines do not apply to business accounts. • Tell us your name and account member number. ii. • 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. iii. • Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In the case of errors or questions about your electronic transfers, telephone us at (866) 000- 0-000-000-0000 or write us at Customer Care00 Xxxxx Xxxxxx, X.X. Xxx 0000Leominster Ma, Xxxxxxxx, XX 00000 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 an electronic transactiona 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. i. . • Tell us your name and account number. iinumber (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. iii. • Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will provide provisional credit to your account within 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 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 10 business days, we may not credit your you 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. 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. For a reasonable fee covering our duplication costs we will provide you with copies of any such documents which you request. Any documentation provided to you, which indicates that an electronic fund transfer was made, shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866) 000- 000-000-0000 or write to us at Customer Care, X.X. Xxx 0000, XxxxxxxxXxxxx Xxxxx, XX 00000 00000-0000 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement or receipt. You should also call the number or write to the address listed above if you believe a transfer has been made using information from your check without your permission. You should also call the number or write to the address listed above if you believe a transfer has been made using information from your check without your permission. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. 1. Tell us your name and account number. ii2. 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. iii3. Tell us the dollar amount of the suspected error. 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 10 business daysBusiness Days. We will determine whether an error occurred within 10 business days 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 credit your account within 10 business days 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 the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within 5 Business Days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days.) If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysBusiness Days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 business days twenty (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 (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within 3 Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexxxxxxxxxxxxxx@xxxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. 000-000-0000 Deepwater Industries Federal Credit Union Attention: Online Banking 000 X. Xxxxxxxx Deepwater, NJ 08023 i. a) Tell us your name and account member number. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, contact us at Customer Carexxxxx://xxx.xxxxxxxxxxxx.xxx/., X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appeared.appears. 800-444-1811 Coastline Federal Credit Union Attention: MyCoast Online Banking PO Box 47410, Jacksonville, FL 32247-7410 i. a. Tell us your name and account number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. . d. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 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, we will credit your account within 10 business days (5 business days for Debit 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 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 10 business days, we may not credit your account. For errors involving Your account is considered a 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 first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.. Coastline Federal Credit Union Accounting Department P.O. Box 47410 Jacksonville, Florida 32247-7410 Business Days: Monday through Friday Excluding Federal Holidays Phone: (000) 000-0000 or 0 (000) 000-0000 MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about your electronic transfers, telephone us at (866) 000- 0000 the Telebank 24 number listed in this Agreement and Disclosure and press 0 to speak to Client Services, Monday through Friday, 7:00 AM to 8:00 PM Central Time and Saturday, 8:00 AM to 4:00 PM Central Time, or write us at Customer Care0000 Xxxx, X.X. Xxx 0000, XxxxxxxxXxxxxx Xxxx, XX 00000 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. . • Tell us your name and account number. iinumber (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. iii. • Tell us the dollar amount of the suspected error. 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 to send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 the 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 45 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will may credit your account within 10 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 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 10 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 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 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. You may ask for copies of the documents that we used in our investigation. If we credit your account for the amount in question, we reserve the right to reverse the credit should we determine, after completion of our investigation, no error occurred. Furthermore, should we determine no error has occurred, you will be notified of the date and the amount of any debit we make to reverse the provisional credit. We will honor checks, drafts or similar paper instruments payable to third parties and preauthorized transfers from your account for five (5) business days after transmittal of such reversal notice. If we determine an error did occur, you will be notified the provisional credit has been made final. • 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 your written permission; or • As required by law.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, you may telephone us at (866) 000- 0000 or write 000-000-0000, E-mail us at Customer Carexxxxxxxxxxxxx@xxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appeared.appears. Westmark Credit Union Attention: Online Banking i. P. O. Box 2869, Idaho Falls, ID 83403-2869 • Tell us your name and account member number. ii. • 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. iii. • Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within three business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E- mail us at Customer Carexxxx@xxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 Encentus Federal Credit Union Attention: Virtual Branch 0000 X Xxxxx Xxx., Tulsa, OK 74104 i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 Telephone or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 the telephone number or address above as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. . a Tell us your name and account number. ii. 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. iii. c Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time that 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 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 Telephone or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 the telephone number or address above as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. (a) Tell us your name and account Account number. ii. (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. iii. (c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong incorrect, or if you need more additional information about an electronic transaction. 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: Write us at: We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. . In notifying us of a problem or error, please include the following: [1] Tell us your name and account number. iiAccount number (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. iii. [3] Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell choose to notify us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days 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 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 credit your account within 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 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 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 errorAccount. We will tell you the results within three 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. You may ask for copies of the documents that we used in our investigation. 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 Card(s). You agree to surrender your Card(s) when we, or our agents, request it.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E- mail us at Customer Carexxxxxxx@xxxxxxxxxxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactioncan. 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 appeared.appears. 000-000-0000 Sterling Federal Credit Union Attention: Internet Teller P.O. Box 1086, Sterling, Colorado 80751 i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred tell you the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 In case of errors or write us at Customer Carequestions about your electronic transfers, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement or receipt, telephone us at (000) 000-0000, Monday through Friday 8:00 AM through 5:00 PM; Saturday 8:00 AM through 12:00 PM (Central Time) excluding Federal Holidays; or write to FirstBank of Nebraska, X.X. Xxx 00, Xxxxx, 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. i. 1. Tell us your name and account number.number (if any) ii2. 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. iii3. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 business days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or questionquestions. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not credit your account. For errors involving Your account is considered a 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 first 30 days after completing our investigationthe first deposit is made, unless each of you already has an established account with us before this account is opened. If we decide that there was no not an error, we will send you a written explanationexplanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866000) 000- 000-0000 or write us at Customer Care0000 X. Xxxxx Xxxxxx, X.X. Xxx 0000Xxxx, Xxxxxxxx, XX Xxxxxxxxxx 00000 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona 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. i. 1. Tell us your name and account numbernumber (if any). ii2. 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. iii3. Tell us the dollar amount of the suspected error. 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 dispute or question inquiry in writing within 10 business days. We will determine whether an error occurred tell you the results of our investigation within 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 dispute or questioninquiry. If we decide to do this, we will credit your account within 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 the error you assert is an unauthorized VISA® transaction, other than a cash disbursement at an ATM, we will credit your account within 5 business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days.) If we ask you to put your complaint dispute or question inquiry in writing and we do not receive it within 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 explanationexplanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of 10 business days. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have 90 days instead of 45 days to investigate.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 In case of errors or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can questions regarding Online Banking or Xxxx Payment transactions or if you think your statement or receipt is wrong or if you need more information about an electronic transaction. a transfer listed on your statement, call Catskill Xxxxxx Bank at (000) 000-0000 or write to us as soon as you can at: 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. i. Tell us your . We will need:  Your name and account number. ii. Describe Account 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. iii. Tell us the  The dollar amount of the suspected error. In addition, error and date on which it would be helpful if you provided us with any supporting documentation related to the erroroccurred. 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 10 business days. We will determine whether an error occurred notify you with the results of the investigation within 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 days to investigate your a complaint or question. If we decide to do thisthis occurs, we will credit your account within 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 that 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 10 business days, we may not credit your account. For errors involving If an alleged error involves new accountsAccount or an electronic funds transfer outside a state or territory or possession of the United States, 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 the applicable time periods for action by us are 20 business days to credit your account for the amount you think is in error(instead of 10) and 90 calendar days (instead of 45). We will tell inform you of the results of our investigation within three 3 business days after completing our investigation. If we decide determine that there was no errorerror occurred, we will send you a written explanationexplanation or our determination, 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. You agree that Catskill Xxxxxx Bank may respond to you 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 three (3) days of the date sent by Catskill Xxxxxx Bank, regardless of whether or not you sign on to the Service within that time frame.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you If You think your Your statement or receipt is wrong wrong, or if you You need more information about an electronic transactiona transfer listed on the statement or receipt, call Us or write Us as soon as You can. Our phone number for this purpose is: (000) 000-0000 or (000)000- 0000, Option 4, Member Service. Our address for this purpose is: Sikorsky Financial Credit Union, 0000 Xxxxxxxx Xxxx, Xxxxxxxxx, XX 00000, Attention: Operations Department. We must hear from you no You not later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. 1) Tell us your Us Your name and account numberAccount number (if any). ii. 2) Describe the error or the transfer you transaction You are unsure about, and explain as clearly as you You can why you You believe it is an error or why you You need more information. iii. 3) Tell us Us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you You tell us Us orally, we may require that you You send us your Us Your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you You and will correct any error promptly. promptly (We may extend this time period to 20 business days if the error occurred within 30 days of the first deposit to Your Account, was initiated at a Point of Sale terminal or concerns a transaction that was initiated in a foreign country.) If we need more time, however, we may take up to 45 days to investigate your Your complaint or question. If the complaint or question concerns a transaction that was initiated in a foreign country, was initiated at a Point of Sale terminal, or occurred within 30 days of the first deposit to Your Account, we may take up to 90 days to complete the investigation. If we decide to do thistake this extra time to investigate, we will credit your account recredit Your Account within 10 business days (20 business days if the error occurred within 30 days of the first deposit to Your Account, was initiated at Point of Sale terminal or concerns a transaction that was initiated in a foreign country.) for the amount you You think is in error, so that you will You may have the use of the money during the time that it takes us Us to complete our Our investigation. If we ask you You to put your Your complaint or question in writing and we do not receive it within 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 errorrecredit Your Account. We will tell you You the results within three business days after completing our Our investigation. If we decide that there was no error, we will send you You a written explanation. You may ask for copies of the documents that we used in our Our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 the number below, E-mail us xxxxxxxxxxx@xxxxx.xxx , or write send us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. 000-000-0000 Horizon Credit Union Attention: Online & Mobile Banking 0000 X. Xxxxxxx Road, Kingsport, TN 37664 i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000P.O. Box 5100, XxxxxxxxPasadena, XX 00000 CA 91117 as soon as you can if you think your Account statement or receipt is wrong or if you need more information about an 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. i. Tell us . When notifying us, you will need to tell us: (i) your name and account Account number. ; (ii. Describe the error or the transfer you are unsure about, and explain as clearly as you can ) why you believe it there is an error or why you need more information. iii. Tell us and the dollar amount of involved; and (iii) approximately when the suspected errorerror 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not provide a provisional credit to your accountAccount. For errors involving new accountsAccounts, point-of-salesale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accountsAccounts, we may take up to 20 business days to provide a provisional credit to your account 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, call us at (866) 000- 0000 the number below, e‐mail us xxxxxxxxxxxxxxx@xxx.xxx, or write send us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared. i. appears. Note that Reg E guidelines do not apply to business accounts. METRO Federal Credit Union 0000 X. Xxxx Road Arlington Heights, IL 60004 Main (847)670‐0456 Fax (847)670‐0401  Tell us your name and account member number. ii.  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. iii.  Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, e-mail us at Customer Carexxxxxxx@xxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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 appeared.appears. 000-000-0000 New England Teamsters Federal Credit Union Attention: Virtual Branch 0 Xxxx Xxxxxx, Xxxxx 000 Burlington, MA 01803 i. a. Tell us your name and account member number. ii. b. Describe the error or the transfer electronic transaction you are unsure about, about and explain as clearly as you can why you believe it is an error error, or why you need more information. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation. If we credit your account with funds while investigating an error, you must repay those funds to us if we conclude no error has occurred.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866844) 000- 0000 or write us at Customer Xxxx Card Member Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. Tell us your name and account number. ii. 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. iii. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866000) 000- 000-0000 or (000) 000-0000, or write us at Customer CareXxxxxx-Xxxx Credit Union, X.X. Xxx 0000Inc., XxxxxxxxP.O. Box 340134, XX 00000 Beavercreek, Ohio 45434-0134, Attention: Cards & ATM Dept., as soon as you can can, if you think your receipt or statement or receipt is wrong wrong, or if you need more information about an electronic transactiona transfer listed on your receipt or account statement. We must hear from you no later than 60 days after we sent send the FIRST account statement on which the problem or error appearedappears. i. A. Tell us your name and account Checking and/or Share Account number. ii. 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 error, or why you need more information. iii. C. Tell us the dollar amount of the suspected error. 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 10 business days. For ease of processing your complaint, a written confirmation form will be provided to you by the Credit Union upon receipt of your oral notification. Such forms are also available at any of our member centers. We will determine whether an error occurred tell you the results of our investigation within 10 business days (within 20 business days if your com- plaint or question involved an ATM or point-of-sale transaction to or from an account, within 30 days after the first deposit to the account was made) after we hear from you and we will correct cor- rect any error promptly. If we need more time, however, we may take up to 45 days (90 days if your complaint or question involved an ATM or point-of-sale transaction to or from an account, within 30 days after the first deposit to the account was made, the alleged error involved a point-of-sale trans- action, or a foreign-initiated transfer) to investigate your complaint com- plaint or question. If we decide to do this, we will credit recredit your account within 10 business days (within 20 business days if the complaint or error involved an ATM or point-of-sale transaction to or from an account, within 30 days after the first deposit to the ac- count was made) 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 com- plaint or question questions in writing and we do not receive it within 10 business days, we may not credit recredit 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 explanationwrit- ten explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. These rights apply to ATM or point-of-sale transactions involving your Designated Accounts. You have different rights with regard to the resolution of errors with your Designated Accounts which do not involve an ATM transaction.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong or if it you need more information about an electronic transaction. We must hear from a transfer listed on the statement or receipt, telephone us or write us as soon as you no later than 60 days after we sent the FIRST statement on which the problem or error appearedcan. i. (1) Tell us your name and account number., ii. (2) 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. iii. (3) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question, for most types of errors. If we decide to do thistake this extra time to investigate, we will credit your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not credit your accountAccount. For errors involving new accounts, point-of-salePOS, 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call If you believe there has been an error related to an EFT (as defined in this Agreement), you have a question about an EFT, you think your statement is wrong or you need more information about an EFT listed on the statement: Telephone us at (866000) 000- 000-0000 Monday through Wednesday between 8:30 a.m. and 4:30 p.m.; Thursday between 8:30 a.m. and 5:30 p.m.; or write Friday between 8:30 a.m. and 5:00 p.m. (excluding holidays during these times), or Write us at Customer CareRhode Island Credit Union 000 Xxxxxxx Xxxxxx Providence, X.X. Xxx 0000Rhode Island 02903, Xxxxxxxx, XX 00000 or Send us a secure message from within the site as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement or receipt. YOU MUST CONTACT US ONLY AT THIS TELEPHONE NUMBER OR ADDRESS ABOUT YOUR ERRORS OR QUESTIONS. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. A. Tell us your name and account numberAccount number (if any). ii. 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. iii. C. Tell us the dollar amount of the suspected error. In addition, it would . D. It will be helpful to us if you provided also give us with a telephone number at which you can be reached in case we need any supporting documentation related to the errorfurther information. If you tell notify us orally, we may require that you send us your complaint or question in writing within 10 business daysdays following the date you notified us. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not credit your accountAccount. For errors involving new accounts, point-of-salesale transactions, new accounts 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 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. You may ask for copies of the documents that we used in our investigationinvestigation for a reasonable charge. We must make these documents available to you for your inspection. If your alleged error concerns a transfer to a third party (for example, a Social Security payment), our investigation may be limited to a review of our own records. If we decide there was no error, you may want to contact such third party to pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong or if you need more information about an electronic transactiona transfer listed on the statement, call or write us as soon as you can at the telephone number and address set forth in paragraph 7 below. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. i. a) Tell us your name and account number. ii. b) Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an in error or why you need more information. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We If the suspected error involves an unauthorized transfer initiated by us, we will determine whether an error occurred tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptlydays. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If , but if we decide to do this, we will re- credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint or question in writing, we will not re-credit your account until we receive your information. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not re-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 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transaction listed on 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. i. Tell us . When notifying us, you will need to tell us: (i) your name and account number. ; (ii. Describe the error or the transfer you are unsure about, and explain as clearly as you can ) why you believe it there is an error or why you need more information. iii. Tell us and the dollar amount of involved; and (iii) approximately when the suspected errorerror 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 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 determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 10 business days, we may not provide a provisional credit to your account. For errors involving new accounts, point-of-salesale 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. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, e-mail us at Customer Carexxxxxxxxxxx@xxxxxxxxxxxx.xxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appearedap- pears. i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 10 business days (20 days if the complaint or er- ror 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 that it takes us to complete our investigation. If we ask you to put your complaint or question questions in writing writ- ing and we do not receive it within 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 explanationexplanation within three business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if If you think your statement or receipt is wrong wrong, or if you need more information about an electronic transactiona transfer listed on 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. i. .  Tell us your name and account number. ii. 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. iii. ;  Tell us the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. error If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 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 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 10 ten (10) business days, we may not credit your account. 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, point of sale debit card transactions or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 business 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. You may ask for copies of the documents that we used in our investigation.. If a notice of error involves unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five (5) business days after you notify us instead of within ten (10) or twenty

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, contact us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 xxxx://xxx.xxxxxxxxxxx.xxx or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. We must hear from you no later than 60 days after we sent the FIRST first statement on which the problem or error appearedappears. 000-000-0000 Alta Vista Credit Union Attention: Online Banking 0000 X Xxxxxxx Xxx., Xxxxxxxx, XX 00000 i. a. Tell us your name and account member number. ii. 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. iii. c. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us at (866) 000- 0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 your nearest Heartland Bank office as soon as you can can, if you think your statement or receipt is wrong wrong, or if you need more information about an electronic transactiona 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 appearedappears. i. A. Tell us your name and account number. ii. B. Describe the error or the transfer you are unsure about, and explain it as clearly as you can why you believe it is an error or why you need more information. iii. C. Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time 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 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 explanationexplanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we decide there was an error, we will correct the error within one day after the decision and notify you.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at 0-000-000-0000 between the hours of 8:00am and 6:00pm Eastern Time, Monday through Friday (866) 000- 0000 other than Bank holidays), or write to us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 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 an electronic transactiona 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. i. , or the problem was FIRST reflected on your passbook. ▪ Tell us your name and account number. ii. ; ▪ 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. iii. ; and Tell us the dollar amount of the suspected error. 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 10 ten business days. We will determine whether an error has occurred within 10 ten 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 credit your account within 10 ten 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 10 ten business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-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 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. You may ask for copies of the documents that we used in our investigation, and we will 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 our own records. If we decide that there was no error, you may want to contact the third party to pursue the matter further.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call us Telephone Xxxxxxx at (866) 000- 000-000-0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about an electronic transactiona transaction listed on the statement or receipt. We Xxxxxxx must hear from you no later than 60 sixty (60) days after we Xxxxxxx sent the FIRST statement on which the problem or error appeared. You may request a written history of your transactions at any time by calling 000-000-0000. You will need to: 1. Tell Xxxxxxx your name, Account number, and Card Account number (if applicable). i. Tell us your name and account number. ii2. 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. iii3. Tell us Xxxxxxx the dollar amount of the suspected error. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell us Xxxxxxx orally, we may Xxxxxxx xxx require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We Xxxxxxx will determine whether an error occurred within 10 business days ten (10) Business Days after we hear Xxxxxxx hears from you and will correct any error promptly. If we need Xxxxxxx needs more time, however, we may Xxxxxxx xxx take up to 45 forty-five (45) days to investigate your complaint or question. If we decide Xxxxxxx decides to do this, we Xxxxxxx will credit your account Account within 10 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 that it takes us to complete our the investigation. If we ask Xxxxxxx asks you to put your complaint or question in writing and we you do not receive provide it within 10 business daysten (10) Business Days, we may Xxxxxxx xxx not credit your accountAccount. For errors involving new accounts, point-of-salesale (POS) transactions, or foreign-initiated transactions, we may Xxxxxxx xxx take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may Xxxxxxx xxx take up to 20 business days twenty (20) Business Days to credit your account for the amount you think is in error. We Xxxxxxx will tell you the results within three business days (3) Business Days after completing our the investigation. If we decide Xxxxxxx decides that there was no error, we Xxxxxxx will send you a written explanation. You may ask for copies of the documents that we used in our investigationthe investigation by contacting Xxxxxxx at the phone number listed at the beginning of this section. If you need more information about Xxxxxxx’s error-resolution procedures, call 000-000-0000. You may request a written history of your transactions at any time by calling 000-000-0000.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 or write the number below, E-mail us at Customer Carexx.xx@xxxxxx.xxx , X.X. Xxx 0000, Xxxxxxxx, XX 00000 or send us a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactioncan. 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 appeared. i. appears. 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. ii. • 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. iii. • Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred tell you the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call In case of errors or questions about electronic transfers, telephone us at (866) 000- 0000 the number below, or write send us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 a written notice to the address below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transactionpossible. 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. i. a) Tell us your name and account member number. ii. 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. iii. c) Tell us the dollar amount of the suspected error. 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 10 business days. We will determine whether an error occurred notify you with the results of our investigation within 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 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 credit your account within 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 that 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 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 explanationexplanation within 3 business days after we finish our investigation. You may ask for request copies of the documents that we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Call Telephone us at (866) 000- 000-000-0000 or write us at Customer CareXxxxx & Xxxx Services, X.X. Xxx 0000Inc., 0000 Xxxxxxxx, 00xx xxx, Xxx Xxxx, XX 00000 00000, as soon as you can can, if you think your statement or receipt is wrong wrong, or if you need more information about an electronic transactiona 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. i. (i) Tell us your name and account number. (ii. ) 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. (iii. ) Tell us the dollar amount of the suspected error. 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 10 business days. We normally will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, error so that you will have the use of the money during the time 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 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 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. You will get a monthly account statement (unless there are no transfers in a particular month). In any case, you will get the statement at least quarterly.