Common use of Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts Clause in Contracts

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  Telephone us at (000) 000-0000 or 800-44-MOCSE during business service hours;‌  Contact us by using the secure messaging feature within the Service; or  Write to us at 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌ 1. Tell us your name, relevant Service account number(s), and User ID;‌ 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.‌ (B) Consumer Liability for Unauthorized Transfers‌ Tell us AT ONCE if you believe your User ID or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ If customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  Telephone us at (000) 000-0000 or 800-44-MOCSE during business service hours;‌  Contact us by using the secure messaging feature within the Service; or  Write to us at 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌Questions 1. Tell us your name, relevant Service account number(s), and User ID;‌Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We The Service may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Tell us AT ONCE if you believe your User ID or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ If customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌Transfers

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ Questions In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  methods: • Telephone us at (000) -000-0000 during customer service hours or 800-44-MOCSE during business service hours;‌  Contact us by using the secure messaging feature within the Service; or  • Write to us at at: MCBank 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 Xxxxxx PO Box 309 Goldthwaite, TX 76844 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌must: 1. Tell us your name, relevant Service account number(s), and User ID;‌Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, you and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We The Service may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Tell us AT ONCE Transfers MCBank must be contacted immediately if you believe your User Access ID or Password Passcode has been lost or stolen. Telephoning Contacting us by phone (800 -285-2216) is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ applicable). If consumer customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID password or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ 500.00. If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌period.

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  Telephone us at (000) 000-0000 or 800-44-MOCSE during business service hours;‌  Contact us by using the secure messaging feature within the Service; or  Write to us at 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌Questions 1. Tell us your name, relevant Service account number(s), and User ID;‌Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We The Service may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Tell us AT ONCE if you believe your User ID or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ If customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌Transfers

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) A. Errors and Questions‌ In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  Questions 1. Telephone us our Internet Banking Department at (000) 000-0000 or 800-44-MOCSE during business service hours;‌  Contact us by using the secure messaging feature within the Service; or  or 2. Write to us at Internet Banking Department; 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 If you think your statement is incorrect Xx Xxx 600 LB 35 Dallas TX 75225; In cases of errors or you need more information about an electronic transfer or Bill Payment transaction listed on questions concerning transactions other than those above, do one of the statementfollowing, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌as soon as possible: 1. Tell us your name, relevant Service account number(s), and User ID;‌Name 2. Describe Account Number and User Access ID 3. Description of the error or the transaction in questionwhat you are unsure about, and explain as clearly as possible plus an explanation of why you believe it is an error or why you need more information; and,. Please include any reference numbers or descriptive language shown on the statement or receipt that will help us identify the transaction 34. Tell us the dollar amount of the suspected error. 5. If you For a Xxxx Xxxxx error tell us verbally, we may require that you send your complaint us: • Account number used to pay the bill • Payee name • Date the payment was sent • Confirmation number • Payment amount • Payee account number for the payment in writing within ten (10) Business Days after your verbal notificationquestion. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days 10 business days after we hear from you, you and will correct any error promptly. HoweverWe may take up to 20 business days if the transfer involved a new account. (An account is considered new for 30 days after the first deposit is made, if you are a new customer.) If we require need more time time, however, we may take up to confirm 45 days (90 days if the nature of transfer was not initiated within a state or involved a new account) to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ provisionally will credit your account within ten 10 business days (1020 business days if the transfer involved a new account) 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 submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or questionAccount. We may take up to 20 Business Days to credit a new account for will notify you of the amount you think is in error.‌ If results of our investigation within 3 business days after it is determined finished. If we believe there was no error, we will mail notify you a written explanation within three (3) Business Days after completion of our investigationin writing. You may ask for copies of the documents that we used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.‌ (B) Consumer Liability for Unauthorized Transfers‌ Tell us AT ONCE if you believe your User ID or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ If customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID or other means to access your account if you had told us, you could will be liable to us for as much as $500.00.‌ If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌amounts credited pending our investigation.

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  Telephone us at (000) 000-0000 or 800-44-MOCSE during business service hours;‌  Contact us by using the secure messaging feature within the Service; or  Write to us at 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌Questions 1. Tell us your name, relevant Service account number(s), ) and User ID;‌Username; 2. Describe the error or the transaction in question, question and explain as clearly as possible why you believe it is an error or why you need more information; information and,; 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigationinvestigation (90 days if the transfer involved a new account, a POS transaction, or a foreign-initiated transfer). If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Tell us AT ONCE if you believe your User ID or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ If customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌Transfers

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ Questions In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  methods: Telephone us at (000) 000000)000-0000 or 800-44-MOCSE during business customer service hours;‌  hours; Contact us by using the secure messaging feature within the Service; or  Write to us at 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 PO Box 34090, Little Rock, AR 72203 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌ 1. must: Tell us your name, relevant Service account number(s), and User ID;‌ 2. Login ID; Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. , Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We The Service may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Transfers Tell us AT ONCE if you believe your User Login ID or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ applicable). If consumer customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID password or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ 500.00. If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌period.

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ Questions In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  methods: · Telephone us at (000) -000-0000 or 800-44-MOCSE during business customer service hours;‌  hours; · Contact us by using the secure messaging feature within the Service; or  · Write to us at at: Mill County State Bank 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 Xxxxxx PO Box 309 Goldthwaite, TX 76844 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌must: 1. Tell us your name, relevant Service account number(s), and User ID;‌Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We The Service may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Tell us AT ONCE Transfers Xxxxx County State Bank must be contacted immediately if you believe your User Access ID or Password Passcode has been lost or stolen. Telephoning Contacting us by phone (800 - 000-0000) is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ applicable). If consumer customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID password or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ 500.00. If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌period.

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ Questions In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  methods: - Telephone us at (000) 000-0000 or 800-44-MOCSE during business customer service hours;‌  hours; - Contact us by using the secure messaging feature within the Service; or  - Write to us at 0000 Xxxxxx Xxxx Xxxxxxx Fredonia Valley Bank, X.X. Xxx 000, Xxxxxxxx, XX 00000 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Xxxx Payment transaction Transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement Statement was sent to you on which the problem or error appears. You must:‌must: 1. Tell us your name, relevant Service account number(s), and User ID;‌Username 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. error If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Transfers Tell us AT ONCE if you believe your User ID Username or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit credit, if applicable).‌ applicable). If customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID Username used or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID Username or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ 500.00. If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌period.

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ Questions In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌ methods:  Telephone us at (000) 0-000-0000 or 800000-44-MOCSE XXXX (2265) during business customer service hours;‌ hours;  Contact us by using the secure messaging feature within the Internet Banking Service; or  Write to us at 0000 Xxxxxx Xxxx Xxxxxxx Farmers Bank and Trust Company, Attn: E-Services, XX XXX 000,Xxxxxx, XX 00000 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment xxxx payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌must: 1. Tell us your name, relevant Service account number(s), and User ID;‌Username; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Transfers Tell us AT ONCE if you believe your User ID Username or Password has been lost lost, stolen or stolenotherwise compromised. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ applicable). If consumer customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID password or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ 500.00. If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌period.

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  Telephone us at (000) 000-0000 or 800-44-MOCSE during business service hours;‌  Contact us by using the secure messaging feature within the Service; or  Write to us at 0000 Xxxxxx Xxxx Xxxxxxx XX 00000 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌Questions 1. Tell us your name, relevant Service account number(s), and User ID;‌Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We The Service may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Transfers Tell us AT ONCE if you believe your User Access ID or Password Passcode has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ applicable). If consumer customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID password or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ 500.00. If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌period.

Provisions Applicable Only to Consumer and Sole Proprietors Deposit Accounts. ‌ (A) Errors and Questions‌ Questions In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:‌  methods: · Telephone us at (000) -000-0000 or 800000-44000-MOCSE 0000 during business customer service hours;‌  hours; · Contact us by using the secure messaging feature within the Service; or  · Write to us at 0000 Xxxxxx 000 Xxxx Xxxxxxx Xxx., Xxxxxxxx XX 00000 If you think your statement is incorrect or you need more information about an electronic transfer or Bill Xxxx Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:‌must: 1. Tell us your name, relevant Service account number(s), and User ID;‌Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will‌ will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.‌ error. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.‌occur. (B) Consumer Liability for Unauthorized Transfers‌ Tell us AT ONCE if you believe your User ID or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).‌ If customers who are Consumers tell us within two (2) Business Days after you discover your Password, User ID used or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password, User ID or other means to access your account if you had told us, you could be liable for as much as $500.00.‌ If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.‌Transfers