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

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In case of errors or questions about electronic transfers, call us at the number below, e‐mail us xxxxxxxxxxxxxxx@xxx.xxx, or send us a written notice to the address below as soon as possible. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem 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 member number.  Describe the error or the electronic transaction you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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. We will correct any error promptly. If we need more time, 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 so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may request copies of the documents we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In case of errors or questions about electronic transfers, call send a Secure Message through EZ Money Manager, telephone us at the number below, e‐mail E-mail us xxxxxxxxxxxxxxx@xxx.xxxat xxxxxxxxxxxxxx@xxxxxxx.xxx, or send us a written notice to the address below as soon as possible. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. Note that Reg E guidelines do not apply to business accounts. METRO (000) 000-0000 Toll Free: (000) 000-0000 Erie Federal Credit Union 0000 X. Xxxx Road Arlington HeightsXxxxx Xx. Erie, IL 60004 Main (847)670‐0456 Fax (847)670‐0401  PA 16508-2741 • Tell us your name and member number.  • Describe the error or the electronic transaction you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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. We will correct any error promptly. If we need more time, 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 mademade 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 so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may request copies of the documents we used in our investigation.. LIABILITY FOR UNAUTHORIZED TRANSACTIONS 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. In case of errors or questions about electronic transfers, call telephone us at the number below, e‐mail E-mail us xxxxxxxxxxxxxxx@xxx.xxxat xxxxxxxxx@xxxxxxxxxxx.xxx, or send us a written notice to the address below as soon as possible. We must hear from you no later than sixty (60) 60 days after we sent the first statement on which the problem appears. Note that Reg E guidelines do not apply to business accounts. METRO Estacado Federal Credit Union Attention: Online Banking 0000 X. Xxxxx Xxx Xxxx Road Arlington HeightsXxxxxx Hobbs, IL 60004 Main (847)670‐0456 Fax (847)670‐0401  NM 88240 000-000-0000 • Tell us your name and member member/account number.  • Describe the error or the electronic transaction you are unsure about, about and explain as clearly as you can why you believe it is an error, or why you need more information.  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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. We will correct any error promptly. If we need more time, 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 mademade 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 so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 three business days after we finish our investigation. You may request copies of the documents we used in our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. In case of errors or questions about electronic transfers, call send a Secure Message through EZ Money Manager, telephone us at the number below, e‐mail E-mail us xxxxxxxxxxxxxxx@xxx.xxxat xxxxxxxxxxxxxx@xxxxxxx.xxx, or send us a written notice to the address below as soon as possible. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. Note that Reg E guidelines do not apply to business accounts. METRO (000) 000-0000 Toll Free: (000) 000-0000 Erie Federal Credit Union 0000 X. Xxxx Road Arlington HeightsXxxxx Xx. Erie, IL 60004 Main (847)670‐0456 Fax (847)670‐0401 PA 16508-2741  Tell us your name and member number.  Describe the error or the electronic transaction you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 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. We will correct any error promptly. If we need more time, 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 mademade 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 so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may request copies of the documents we used in our investigation. LIABILITY FOR UNAUTHORIZED TRANSACTIONS 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.