Common use of Investigation and Resolution of Errors Clause in Contracts

Investigation and Resolution of Errors. We will determine whether an Unauthorized Transaction or other account error occurred within ten (10) Business Days after we hear from you and will correct any Unauthorized Transaction or other account error promptly. If we need more time, however, we may take up to forty‐five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not credit your Account. Upon request, you agree to report any potential fraudulent event promptly to legal authorities and provide us a copy of any report prepared by such legal authorities. You agree to cooperate fully with the legal authorities and SoFi Bank in any investigation of any potential fraudulent event and you will complete any required affidavits promptly, accurately and thoroughly. You also agree to allow SoFi Bank access to your Mobile Device, your computer, and your network in connection with our investigation of any potential fraudulent event. You understand that if you fail to so cooperate with SoFi Bank, such failure may delay our investigation and, in some cases, delay your ability to regain access to the funds in your Account. You agree to indemnify and hold SoFi Bank and its affiliates harmless from and against any losses arising out of or relating to any unauthorized use. For errors involving new Accounts, point‐of‐sale transactions using your SoFi Bank Debit Card, or foreign‐initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no Unauthorized Transaction or other account error , we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you received a provisional credit, after giving you five (5) Business Days’ notice of the date and amount to be removed, we will remove the provisional credit from your Account In addition to the terms hereof and in your SoFi Debit Card Agreement, please note that disputes related to ATM transactions may also be subject to the rules or customs of the related financial institution or merchant, and/or any related clearinghouse, ATM system, ATM owner or operator, or other third‐party entity or association over which neither SoFi Bank nor the SoFi Third‐Party Partner issuing your SoFi Bank Debit Card has control over.

Investigation and Resolution of Errors. We will determine whether an Unauthorized Transaction or other account error occurred within ten (10) Business Days after we hear from you and will correct any Unauthorized Transaction or other account error promptly. within one (1) business day after determination of error.. If we need more time, however, we may take up to forty‐five (45) days to investigate your complaint or questiondispute. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation, and provide notice to you within two (2) business days after the provisional crediting of the amount and date of the provisional crediting. If we ask you to put your complaint or question dispute in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Account. Upon request, you agree to report any potential fraudulent event promptly to legal authorities and provide us a copy of any report prepared by such legal authorities. You agree to cooperate fully with the legal authorities and SoFi Bank in any investigation of any potential fraudulent event and you will complete any required affidavits promptly, accurately and thoroughly. You also agree to allow SoFi Bank access to your Mobile Device, your computer, and your network in connection with We will not delay our initiation or completion of an investigation of any potential fraudulent eventUnauthorized Transaction or other account error if you do not provide a copy of any such report. You understand that if you fail to so cooperate with SoFi Bank, such failure may delay our investigation and, in some cases, delay your ability to regain access to the funds in your Account. You agree to indemnify and hold SoFi Bank and its affiliates harmless from and against any losses arising out of or relating to any unauthorized use. For errors involving new AccountsAccounts (i.e., accounts opened less than 30 days old), point‐of‐sale transactions using your SoFi Bank Debit Card, or foreign‐initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) Business Days to provisionally 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, including notice that a provisional credit has been made final, if applicable. If we decide determine that there was no Unauthorized Transaction or other account error or if a different error occurred, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation, which we will provide to you promptly. If you received a provisional credit, after giving you five (5) Business Days’ notice of the date and amount to be removed, we will remove the provisional credit from your Account Account. Upon fully complying with the error resolution requirements stated herein, we will have no further responsibilities under this section should you later reassert the same error or unauthorized transaction. Unless you provide new and/or additional documentation and information concerning the error, we may not elect to re-open our investigation. In addition to the terms hereof and in your SoFi Debit Card Agreement, please note that disputes related to ATM transactions may also be subject to the rules or customs of the related financial institution or merchant, and/or any related clearinghouse, ATM system, ATM owner or operator, or other third‐party entity or association over which neither SoFi Bank nor the SoFi Third‐Party Partner issuing your SoFi Bank Debit Card has control over.

Investigation and Resolution of Errors. We will determine whether an Account Error or Unauthorized Transaction or other account error occurred within ten (10) Business Days after we hear from you and will correct any Account Error or Unauthorized Transaction or other account error promptly. If we need more time, however, we may take up to forty‐five forty‐ five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not credit your Account. Upon request, you agree to report any potential fraudulent event promptly to legal authorities and provide us a copy of any report prepared by such legal authorities. You agree to cooperate fully with the legal authorities and SoFi Bank Securities in any investigation of any potential fraudulent event and you will complete any required affidavits promptly, accurately and thoroughly. You also agree to allow SoFi Bank Securities access to your Mobile Device, your computer, and your network in connection with our investigation of any potential fraudulent event. You understand that if you fail to so cooperate with SoFi BankSofi Securities, such failure may delay our investigation and, in some cases, delay your ability to regain access to the funds in your Account. You agree to indemnify and hold SoFi Bank Securities and its affiliates harmless from and against any losses arising out of or relating to any unauthorized use. For errors involving new Accounts, point‐of‐sale transactions using your SoFi Bank Money Debit Card, or foreign‐initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no Account Error or Unauthorized Transaction or other account error Transaction, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you received a provisional credit, after giving you five (5) Business Days’ notice of the date and amount to be removed, we will remove the provisional credit from your Account In addition to the terms hereof and in your SoFi Debit Card Agreement, please note that disputes related to ATM transactions may also be subject to the rules or customs of the related financial institution or merchant, and/or any related clearinghouse, ATM system, ATM owner or operator, or other third‐party entity or association over which neither SoFi Bank Securities nor the SoFi Third‐Party Partner issuing your SoFi Bank Money Debit Card has control over.