Common use of KEEP THIS NOTICE FOR FUTURE USE Clause in Contracts

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if you need more information about the transaction on your bill, write to us at the address listed in section 19. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: *Your name and account number. *The dollar amount of the suspected error. *Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account bill automatically from your savings or checking account, you can stop payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount in question, including FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGE related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell you the name of anyone to whom we reported you. We must tell anyone we report you to that the matter has been settled between us when it finally is.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us us in Case case of Errors errors or Questions About Your Billquestions about your bill. If you think your bill is wrong, or if you need more information about the a transaction on your bill, write to us on a separate sheet at the address listed in section 19on your bill. Write to us as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: *• Your name and account number. *• The dollar amount of the suspected error. *• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account credit card bill automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights rights and Our Responsibilities After We Receive Your Written Notice our responsibilities after we receive your written notice. We must acknowledge your letter within 30 thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGE finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone to whom we reported youyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is.. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct. Special rule for credit card purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two (2) limitations on this right:

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Bill- ing Act. Notify Us in Case of Errors or Questions About Your Bill. Statement If you think your bill statement is wrong, or if you need more information about the a transaction on your billstatement, write to us on a separate sheet at the address listed in section 19on your statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. rights In your letter, give us the following information: *• Your name and account number. *• The dollar amount of the suspected error. *• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to a pay your Account bill automatically credit card account au- tomatically from your savings account or checking Teledraft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill statement was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill send statements to you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill statement that are not in question. If we find that we made a mistake on your billstatement, you will not have to pay any FINANCE CHARGE finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone to whom we reported youyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your statement was correct.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your Bill. Bill If you think your bill is wrong, or if you need more information about the a transaction on your bill, write to us on a separate sheet at the address listed in section 19on your bill. Write to us as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: *• Your name and account number. *• The dollar amount of the suspected error. *• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account credit card bill automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGE finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you the name of anyone to whom we reported youthat you have a question about your bill. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our your responsibilities under the Fair Credit Billing Act. Notify Us us in Case case of Errors errors or Questions About Your Billquestions about your bill. If you think your bill is wrong, or if you need more information about the a transaction on your bill, write to us on a separate sheet at the address listed in section 19on your bill. Write to us as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: *• Your name and account number. *• The dollar amount of the suspected error. *• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account credit card bill automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights rights and Our Responsibilities After We Receive Your Written Notice our responsibilities after we receive your written notice. We must acknowledge your letter within 30 thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGE finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone to whom we reported youyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is.. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct. Special rule for credit card purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two (2) limitations on this right:

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your Bill. Xxxx If you think your bill xxxx is wrong, or if you need more information about the a transaction on your billxxxx, write to us on a separate sheet at the address listed in section 19on your xxxx. Write to us as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: *• Your name and account number. *• The dollar amount of the suspected error. *• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account bill credit card xxxx automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill xxxx was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill xxxx you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any FINANCE CHARGE finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you the name of anyone to whom we reported youthat you have a question about your xxxx. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your xxxx was correct.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About about Your Bill. If Xxxx if you think your bill xxxx is wrong, or if you need more information about the a transaction on your billxxxx, write to us on a separate sheet at the address listed in section 19on your xxxx. Write to us as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will w ill not preserve your rights. In your letter, give us the following follow ing information: * Your name and account number. * The dollar amount of the suspected error. * Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account bill credit card xxxx automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Received Your Written Notice We must acknowledge acknow ledge your letter within 30 w ithin thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill xxxx was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill xxxx you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will w ill not have to pay any FINANCE CHARGE finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will w ill have to make up any missed payments on the questioned amount. In either case, we will w ill send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, How ever if our explanation does not satisfy you and you write to us within w ithin ten (10) days telling us that you still refuse to pay, we must tell anyone we report you the name of anyone to whom we reported youthat you have a question about your xxxx. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your xxxx was correct.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your Bill. Bill If you think your bill is wrong, or if you need more information about the a transaction on your bill, write to us on a separate sheet at the address listed in section 19on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the your first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your you letter, give us the following information: *- Your name and account number. *number - The dollar amount of the suspected error. *- Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account credit card bill automatically from your savings or share draft checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as s delinquent. We can continue to bill you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your y our bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGE interest charges related to any questioned amount. If if we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell you the name of anyone to whom we reported youyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your BillXxxx. If you think your bill xxxx is wrong, or if you need more information about the a transaction on your billxxxx, write to us on a separate sheet at the address listed in section 19for billing inquiries shown on your Account statement, not the Payment Address. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: *• Your name and account Account number. *• The dollar amount of the suspected error. *• Describe the error and explain, explain if you can, can why you believe there is an error. • If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account bill credit card xxxx automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill xxxx was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill xxxx you for the amount in you question, including FINANCE CHARGESFinance Charges, and we can apply any unpaid amount against your Account credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any FINANCE CHARGE Finance Charges related to any questioned amount. If we didn’t did not make a mistake, you may have to pay FINANCE CHARGESFinance Charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your xxxx. And, we must tell you the name of anyone to whom we reported youyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we do not follow these rules, we cannot collect the first $50 of the questioned amount, even if your xxxx was correct.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your BillXxxx. If you think your bill xxxx is wrong, wrong or if you need more information about the a transaction on your billxxxx, write to us on a separate sheet at the address listed in section 19XX Xxx 0000, Xxxxxxxx, Xxxxxx, 00000-0000. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, us but doing so will not preserve your rights. In your letter, give provide us with the following information: * Your name and account Account number. * The dollar amount of the suspected error. * Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account bill xxxx automatically from your savings share or checking accountshare draft, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice Notice. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill xxxx was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill xxxx you for the amount in you question, including FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any FINANCE CHARGE related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your xxxx. And, we must tell you the name of anyone to whom we reported you. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50.00 of the questioned amount, even if your xxxx was correct. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Bill- ing Act. Notify Us in Case of Errors or Questions About Your Bill. Statement If you think your bill statement is wrong, or if you need more information about the a transaction on your billstatement, write to us on a separate sheet at the address listed in section 19on your statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. rights In your letter, give us the following information: *• Your name and account number. *• The dollar amount of the suspected error. *• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to a pay your Account bill automatically credit card account au- tomatically from your savings account or checking Teledraft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill statement was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill send statements to you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill statement that are not in question. If we find that we made a mistake on your billstatement, you will not have to pay any FINANCE CHARGE finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement. And, we must tell you the name of anyone to whom we reported youyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your statement was correct.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information tells you about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About What To Do If You Think You Find A Mistake On Your Bill. Statement If you think your bill there is wrong, or if you need more information about the transaction an error on your billstatement, write to us at the address listed in section 19at: Pioneer Bank & Trust 0000 Xx. Write to us as soon as possibleXxxxxxxx Xx. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone usXxxxx Xxxx, but doing so will not preserve your rights. XX 00000 In your letter, give us the following information: * Account Information: Your name and account number. *number  Dollar Amount: The dollar amount of the suspected errorerror  Description of Problem: If you think there is an error on your xxxx, describe what you believe is wrong and why you believe it is a mistake. *Describe You must contact us:  Within 60 days after the error and explainappeared on your statement.  At least 3 business days before an automated payment is scheduled, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us want to pay your Account bill automatically from your savings or checking account, you can stop payment on any the amount you think is wrong. To stop You must notify us of any potential error in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the payment your letter must reach us three business days before the automatic payment is scheduled to occuramount in question. Your Rights and Our Responsibilities What Will Happen After We Receive Your Written Notice Letter When we receive your letter, we must do two things:  Within 30 days of receiving your letter, we must tell you that we received your letter. We must acknowledge your letter within 30 days, unless will also tell you if we have already corrected the error by thenerror.  Within 90 daysdays of receiving your letter, we must either correct the error or explain to you why we believe the bill was xxxx is correct. After While we receive your letter, we investigate whether or not there has been an error:  We cannot try to collect any the amount you in question, or report you as delinquentdelinquent on that amount. We can  The charge in question may remain on your statement, and we may continue to bill charge you for interest on that amount.  While you do not have to pay the amount in question, including FINANCE CHARGES, and we you are responsible for the remainder of your balance.  We can apply any an unpaid amount against your credit limit. You do not have to pay any questioned amount while After we are investigatingfinish our investigation, but you are still obligated to pay the parts one of your bill that are not in question. two things will happen:  If we find that we made a mistake on your bill, you mistake: You will not have to pay the amount in question or any FINANCE CHARGE interest or other fees related to any questioned that amount.  If we didn’t make do not believe there was a mistake, you may : You will have to pay FINANCE CHARGESthe amount in question, along with applicable interest and you will have to make up any missed payments on the questioned amountfees. In either case, we We will send you a statement of the amount you owe and the date that it payment is due. If you fail to pay the amount that we think you owe, we We may then report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell you the name of anyone to whom we reported you. We must tell anyone we report you to that the matter has been settled between us when it finally is.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill. : If you think your bill is wrong, or if you need more information about the a transaction on your bill, write to us at the address listed in section 19. (on a separate sheet) at: Vibrant Credit Union P.O. Box 1550 Moline, IL 61266-1550 Write to us as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: *• Your name and account number. *• The dollar amount of the suspected error. *• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice Notice: We must acknowledge your letter within 30 thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your you bill, you will not have to pay any FINANCE CHARGE finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGESfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report to that you have a question about your bill. And, we must tell you the name of anyone to whom we reported youyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we cannot collect the first $50 of the questioned amount, even if your bill was correct.

KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your Bill. Bill If you think your bill is wrong, or if you need more information about the a transaction on your bill, write to us on a separate sheet at the address listed in section 19on your bill. Write to us use as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: *• Your name and account number. *• The dollar amount of the suspected error. *• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account credit card bill automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice Notice. We must acknowledge your letter within 30 thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount among you question, or report you as delinquent. We can continue to bill you for the amount in you question, including FINANCE CHARGESfinance charges, and we can apply any an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGE CHARGES related to any questioned amount. If we didn’t make a mistake, you may have to pay FINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone to whom we reported youyou to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50.00 of the questioned amount, even if your bill was correct.