Common use of Notice of Errors, Forgeries and Unauthorized Signatures Clause in Contracts

Notice of Errors, Forgeries and Unauthorized Signatures. ‌ You must notify us in writing within 30 days after we mail a statement or otherwise make a statement available (for example, paperless statements) if: • A check that you did not authorize or that is altered is listed on the statement; • Your account statement contains any errors; or • You did not receive your scheduled statement. This 30-day notice requirement does not limit our rights to attempt to collect on unauthorized or altered checks from other banks. You must notify us in writing of any unauthorized, improper or missing endorsements within six months after the account statement is mailed or made available. You must provide us with all information we need to investigate the alleged error or item. You must also file any police reports and provide any supporting affidavits and testimony we reasonably request. If you do not comply with the requirements above, we are not required to reimburse you for any claimed loss, and you cannot bring any legal claim against us in any way related to the check or errors. In addition, if you fail to notify us of any unauthorized check within 30 days (14 days in New York) after we mail, or in any other way make available, a statement that lists an unauthorized check, we are not required to reimburse you for unauthorized checks initiated by the same wrongdoer(s) that we pay after that time. These requirements do not apply to personal account transactions covered by the Electronic Funds Transfer Service Terms. You also have certain rights under federal law for substitute checks; please see Substitute Checks and Your Rights for more information.

Notice of Errors, Forgeries and Unauthorized Signatures. ‌ You must notify us are responsible for examining your statement and checks, and reporting any irregularities to us, in writing writing, within 30 60 days after we mail a fromthe statement postmark date or otherwise when we make a statement available (for example, paperless statements) if: • A check that you did not authorize or that is altered is listed on the statement; • Your account statement contains any errors; or • You did not receive your scheduled statement. This 30-day notice requirement does not limit our rights to attempt to collect on unauthorized or altered checks from other banks. You must notify us in writing of any unauthorized, improper or missing endorsements within six months after the account statement is mailed or made available. You must provide us with all information we need to investigate the alleged error or item. You must also file any There may be instances in which the bank may request that you file a police reports and report or provide any supporting affidavits and testimony we reasonably requestdocumentation such as an affidavit and/or testimony; this however will not hold up the investigation which will start immediately upon your notifying the Bank. If you do not comply with the requirements above, we are not required to reimburse you for any claimed loss, and you cannot bring any legal claim against us in any way related to the check item or errors. In additionAS SUCH, if you fail YOUR FAILURE TO NOTIFY YOUR BRANCH OF THE BANK OF ANY IRREGULARITIES IN YOUR ACCOUNT MAY BE A DEFENSE AGAINST YOU TO ANY CLAIM YOU MAY HAVE AGAINST THE BANK WITH RESPECT TO YOUR ACCOUNT. However, the “Electronic Fund Transfers” section of this Agreement applies to notify us the reporting of any unauthorized check within 30 days errors on personal electronic fund transfers (14 days in New York“EFT”) after we mail, or in any other way make available, a statement that lists an unauthorized check, we are not required subject to reimburse you for unauthorized checks initiated by the same wrongdoer(s) that we pay after that time. These requirements do not apply to personal account transactions covered by the Electronic Funds Transfer Service Terms. Consumer Financial Protection Bureau Regulation E. You also have certain rights under federal law for substitute checks; please see the “Substitute Checks and Your Rights Rights” section of this Agreement for more information.