Common use of Our Liability for Failure to Make Transfers Clause in Contracts

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ If the money in your account is subject to legal process or other claim restricting such transfer. ▪ If the transfer would go over the credit limit on your overdraft line. ▪ If the ATM where you are making the transfer does not have enough cash. ▪ If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ There may be other exceptions stated in our agreement with you. ▪ Tell us your name and account 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. ▪ 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 ten (10) business days. We will determine whether an error occurred within 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 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. 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 debit card transactions, 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Our Liability for Failure to Make Transfers. If It we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable Liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ • If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ • If the money in your account is subject to legal process or other claim restricting such transfer. ▪ • If the transfer would go over the credit limit on your overdraft line. ▪ • If the ATM where you are making the transfer does not have enough cash. ▪ • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ • There may be other exceptions stated in our agreement with you. ▪ In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (000) 000-0000, or write us at First National Bank and Trust Company, P.O. Drawer 1130, Chickasha, OK 73023-1130 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account 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. ▪ • 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 ten (10) business days. We will determine whether an error occurred within 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 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. We will tell you the results within three (3) business days after completing our investigation. If we decide that there is 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 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 debit card transactions, 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 applicable time periods for action shall be twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three place of ten (310) business days after completing our investigationdays. If we decide a notice of error involves an electronic fund transfer that there was no errorinitiated in a foreign country, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.occurred within thirty

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ If the money in your account is subject to legal process or other claim restricting such transfer. ▪ If the transfer would go over the credit limit on your overdraft line. ▪ If the ATM where you are making the transfer does not have enough cash. ▪ If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ There may be other exceptions stated in our agreement with you. Telephone us or write us using the Contact Information listed below as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. ▪ Tell us your name and account 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. ▪ 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 ten (10) business days. We will determine whether an error occurred within 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 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. 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 debit card transactions, 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ • If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ • If the money in your account is subject to legal process or other claim restricting such transfer. ▪ • If the transfer would go over the credit limit on your overdraft line. ▪ • If the ATM where you are making the transfer does not have enough cash. ▪ • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ • There may be other exceptions stated in our agreement with you. ▪ In Case of Errors or Questions about Your Electronic Transfers. Telephone us at (000) 000-0000, or write us at Bank of Prairie du Sac, Personal Bankers, 000 Xxxx Xxxxxx, Xxxxxxx xx Xxx, XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account 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. ▪ • 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 ten (10) business days. We will determine whether an error occurred within 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 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. 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 debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts 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 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

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable liable, for instance: ▪ • If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ • If the money in your account is subject to legal process or other claim restricting such transfer. ▪ • If the transfer would go over the credit limit on your overdraft line. ▪ • If the ATM where you are making the transfer does not have enough cash. ▪ • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ • If circumstances beyond our control (such as fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. ▪ There may be other exceptions stated in our agreement with youIn Case of Errors or Questions about your Electronic Transfers. ▪ Telephone us at (000) 000-0000, or write us at American Bank, N.A., 0000 Xxxxxxxxxx 00 Xxxxx, Xxxx, Xxxxx, 00000 as soon as you can if you think your statement or receipt is wrong, or if you need more information about a 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. • Tell us your name and account 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. ▪ • 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 ten (10) 10 business days. We will determine whether an error occurred within ten (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 forty45 days (90 days if the transfer involved a point of sale transaction, foreign-five (45initiated transfer, or a new account) days to investigate your complaint compliant or question. If we decide to do this, we will credit your account within ten (10) 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 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) 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 debit card transactions, 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 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. If a notice or 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 the 10 or 20 business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or account history warrants the delay.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damagesactual losses. However, there are some exceptions. We will NOT be liable for instance: ▪ • If, through no fault of ours, you do not have enough money in your account Account to make the transfer. ▪ • If the money in your account Account is subject to legal process or other claim restricting such transfer. ▪ • If the transfer would go over the credit limit on your overdraft line. ▪ • If the ATM where you are making the transfer does not have enough cash. ▪ • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ There may be other exceptions stated in our agreement with youIn case of errors or questions about your electronic transfers, phone us at 0-000-000-0000, write us at Old National, P.O. Box 718, Xxx Xxxx Xxxxxx, Xxxxxxxxxx, XX 00000-0718 or e-mail us at xxxxxxxxxxx@xxxxxxxxxxx.xxx as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. ▪ We must hear from you no later than thirty (30) days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account Account 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. ▪ • 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 ten (10) business days. We will determine whether an error occurred within 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 forty-forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account 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. 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 debit card transactions, 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 errorAccount. 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 an electronic fund transfer that occurred within thirty (30) days after the first deposit to the Account was made, the applicable time periods for action shall be twenty (20) business days in place of ten (10) business days. If a notice of error involves an electronic funds transfer that was initiated in a foreign country, occurred within thirty (30) days after the first deposit to the Account was made, or is a signature or credit based debit card transaction, the applicable time period for action shall be ninety (90) calendar days in place of forty five (45) calendar days. If a notice of error involves unauthorized use of debit card with Mastercard logo when it is used in a signature or credit card based transaction, we will provide provisional credit within five (5) business days after you notify us instead of within ten (10) or twenty (20) business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or Account history warrants the delay.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ * If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ * If the money in your account is subject to legal process or other claim restricting such transfer. ▪ * If the transfer would go over the credit limit on your overdraft line. ▪ * If the ATM where you are making the transfer does not have enough cash. ▪ * If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ * There may be other exceptions stated in our agreement with you. ▪ In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (000) 000-0000, or write us at Community State Bank, Shazam Coordinator, 000 Xxxx, Xxx 000, Xxxxxx Xxxx, IA 50510 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. * Tell us your name and account 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. ▪ * 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 ten (10) business days. We will determine whether an error occurred within 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 forty-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. 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 debit card transactions, 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.ten

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪  If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪  If the money in your account is subject to legal process or other claim restricting such transfer. ▪  If the transfer would go over the credit limit on your overdraft line. ▪  If the ATM where you are making the transfer does not have enough cash. ▪  If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪  If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪  There may be other exceptions stated in our agreement with you. ▪  Tell us your name and account 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. ▪  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 ten (10) business days. We will determine whether an error occurred within 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 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. 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 debit card transactions, 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT not be liable liable, for instance: ▪  If, through no fault of ours, you do not have enough money in your account to make cover the transfer. ▪ If the money in your account is subject to legal process or other claim restricting such transfer. ▪ If the transaction, including any amounts available from overdraft transfer would go over the credit limit on your overdraft line. ▪ sources  If the ATM where you are making the transfer does not have enough cash. ▪ cash  If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ transfer  If circumstances beyond our control (such as a power outage, fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. ▪ taken  If the funds are subject to legal process There may be other exceptions provided by applicable law or stated in our agreement with youyour agreements governing your accounts. ▪ When you use an ATM not owned by us, you may be charged a fee by the ATM operator (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). All transactions performed by LGFCU-issued cards at a CashPoints ATM are fee-free. Withdrawals using certain non- LGFCU issued cards are assessed a $2 surcharge fee. In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 or write us at Cardholder Services, P.O. Box 28540, Raleigh, NC 27611 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after the statement date of the statement on which the problem or error appeared.  Tell us your name and account number (if any)number. ▪  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. ▪  Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will determine whether an error occurred within ten (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 forty-five (45) 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (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 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) 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 debit card transactionspoint-of-sale, or foreign-initiated transactions, we may take up to ninety (90) 90 days to investigate your complaint or question. For new accounts accounts, we may take up to twenty (20) 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 explanationexplanation and reverse the provisional credit to your account. You may ask for copies of the documents that we used in our investigation. Automated Clearing House (ACH) entries are debits or credits to your account which are transmitted through the ACH system. All ACH entries are subject to the Operating Rules and Guidelines of the National Automated Clearing House Association (NACHA Rules). As the originator or receiver of an ACH entry, you are bound by the NACHA Rules. ACH entries are a type of electronic fund transfer. As a result, ACH entries to and from your account are also subject to Regulation E, as described in the preceding section “Electronic Fund Transfers.” Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of North Carolina as provided by the NACHA rules. Wire transfers are also governed by the Wire Transfer Form, which is provided when you make a wire transfer and is available upon request.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ * If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ * If the money in your account is subject to legal process or other claim restricting such transfer. ▪ * If the transfer would go over the credit limit on your overdraft line. ▪ * If the ATM where you are making the transfer does not have enough cash. ▪ * If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ There may be other exceptions stated in our agreement with you* . ▪ In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (000) 000-0000, or write us at Citizens Bank,000 X. Xxxxxxxx, Xxxxxxxxxx, XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. * Tell us your name and account 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. ▪ * 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 ten (10) business days. We will determine whether an error occurred within 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 forty-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. 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 debit card transactions, 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.ten

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ • If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ • If the money in your account is subject to legal process or other claim restricting such transfer. ▪ • If the transfer would go over the credit limit on your overdraft line. ▪ • If the ATM where you are making the transfer does not have enough cash. ▪ • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ • There may be other exceptions stated in our agreement with you. ▪ In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (000) 000-0000, or write us at First State Bank of Wyoming, PO Box 308, 00000 Xxxxxx Xxx, Wyoming, MN 55092 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). ▪ • 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. ▪ • 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 ten (10) business days. We will determine whether an error occurred within 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 forty-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 you 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 accountsaccount, point of sale debit card transactions, or foreign-initiated begun transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Our Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ • If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ • If the money in your account is subject to legal process or other claim restricting such transfer. ▪ • If the transfer would go over the credit limit on your overdraft line. ▪ • If the ATM where you are making the transfer does not have enough cash. ▪ • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ • There may be other exceptions stated in our agreement with you. ▪ For business accounts, refer to your account agreement(s) with us. In Case of Errors or Questions About Your Electronic Transfers. For consumer accounts, telephone us at (000) 000-0000, write us at NORTH VALLEY BANK, Main, 0000 Xxxxxxxxx Xxxx, Xxxxxxxxxx, XX 00000-0000, or E-mail us at xxxxxxxxxx@xxxxx.xxx as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. *Tell us your name and account 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. ▪ *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 ten (10) business days. We will determine whether an error occurred within 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 forty-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. 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 debit card transactions, 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.ten

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ • If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ • If the money in your account is subject to legal process or other claim restricting such transfer. ▪ • If the transfer would go over the credit limit on your overdraft line. ▪ • If the ATM where you are making the transfer does not have enough cash. ▪ • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ • If circumstances beyond our control (such as a fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ • There may be other exceptions stated in our agreement with you. ▪ In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (000) 000-0000, or write us at Coastal Community Bank, Electronic Banking Department, 0000 Xxxxx Xxxxxx, Xxxxxxx, XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. • Tell us your you name and account 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. ▪ • 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 ten (10) business days. We will determine whether an error occurred within 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 forty-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. 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 debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ * If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ * If the money in your account is subject to legal process or other claim restricting such transfer. ▪ * If the transfer would go over the credit limit on your overdraft line. ▪ * If the ATM where you are making the transfer does not have enough cash. ▪ * If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ * There may be other exceptions stated in our agreement with you. ▪ In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (000) 000-0000, write us at FIRST COMMUNITY BANK,0000 X. Xxxxxxx 00, Xxx Xxxxxx, XX 00000, or E-mail us at xxxxxxx@xxxxxxxxxxxxxxxxxxxx.xxx as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. * Tell us your name and account 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. ▪ * 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 ten (10) business days. We will determine whether an error occurred within 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 forty-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. 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 debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts 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 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 MasterCard logo when it is used as a MasterCard 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 (20) business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or account history warrants the delay.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪  If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪  If the money in your account is subject to legal process or other claim restricting such transfer. ▪  If the transfer would go over the credit limit on your overdraft line. ▪  If the ATM where you are making the transfer does not have enough cash. ▪  If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪  If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪  There may be other exceptions stated state in our agreement with you. ▪ In Case of Errors or Questions About Your Electronic Transfer. Telephone us at (000) 000-0000, or write us at Equitable Bank, PO Box 160, Grand Island, NE 68802-0160 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you not later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.  Tell us your name and account 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. ▪  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 ten (10) business days. We will determine whether an error occurred within 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 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 with 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 debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts 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 result 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 investigationInvestigation. 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 (20) business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or account history warrants the delay.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ If, through no fault of ours, you do not have enough money in your account to make the transfer. ▪ If the money in your account is subject to legal process or other claim restricting such transfer. ▪ If the transfer would go over the credit limit on your overdraft line. ▪ If the ATM where you are making the transfer does not have enough cash. ▪ If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ There may be other exceptions stated in our agreement with you. need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. ▪ Tell us your name and account 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. ▪ 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 ten (10) business days. We will determine whether an error occurred within 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 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. 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 debit card transactions, 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance: ▪ If, through In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (000) 000-0000, or write us at Frontier Bank, 000 Xxxxx Xxxxxx, Xxxx Xxxxxx, XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no fault of ours, you do not have enough money in your account to make later than sixty (60) days after we sent the transferFIRST statement on which the problem or error appeared. ▪ If the money in your account is subject to legal process or other claim restricting such transfer. ▪ If the transfer would go over the credit limit on your overdraft line. ▪ If the ATM where you are making the transfer does not have enough cash. ▪ If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. ▪ If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. ▪ There may be other exceptions stated in our agreement with you. ▪ Tell us your name and account 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. ▪ 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 ten (10) business days. We will determine whether an error occurred within 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10I0) 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. 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 debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts 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 error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.