Common use of Questions and Complaints Clause in Contracts

Questions and Complaints. a. In case of errors or questions about your transactions, you should as soon as possible contact us as set forth in Section 6 of the General Terms above. b. If you think your periodic statement for your account is incorrect or you need more information about a transaction listed in the periodic statement for your account, we must hear from you no later than sixty (60) days after we sent you the first statement on which the problem or error occurred. You must: 1. Tell us your name and account number (if any); 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. c. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your oral notification. Except as described below, we will determine whether an error occurred within ten (10) Business Days after you notify us of the error. We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, 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 Eligible Transaction 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 Eligible Transaction Account. 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.

Questions and Complaints. a. In case of errors or questions about your transactions, you should as soon as possible contact us as at set forth in Section 6 of the General Terms above"Notices to Us regarding the Service" section. b. If you think your periodic statement for your account transaction history is incorrect or you need more information about a transaction listed in the periodic statement for your accounttransaction history, we must hear from you no later than sixty (60) days after we sent you the first statement on transaction in which the problem or error occurredappears is FIRST posted in the transaction history. You must: 1. must • Tell us your name and account number (if any); 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. information • Tell us the dollar amount of the suspected error. c. If you tell us orallyverbally, we may require that you send provide us your complaint or question in writing within ten (10) Business Days 10 business days after your oral verbal notification. Except as described below, we We will determine whether an error occurred within ten 10 business days, (1020 business days if the transfers involved a new account) Business Days after you notify us of the error. We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, hear from you and will correct any error errors promptly. HoweverIf we need more time, however, we may take up to 45 days (90 days if we require more time the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to confirm the nature of 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 credit your Eligible Transaction Account 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 use of the money during the time it takes us to complete our investigation. If we ask you to submit 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 Eligible Transaction Accountaccount. An account is considered a new account for the first 30 days after the first deposit is made, if you are a new Customer. We will tell you the results within 3 business days after completing our investigation. If it is determined we decide that there was no error, we will mail send you a written explanation within three (3) Business Days after completion explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of our investigationthe provisional credit. You may ask for request copies of documents used in our investigation. We LINKS AND FRAMES Links to other sites may revoke be provided on the portion of the Site through which the Service is offered for your convenience. By providing these links, we are not endorsing, sponsoring or recommending such sites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any provisional credit other site, and make no representations concerning the content of sites listed in any of the Service web pages. Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to the Site. For example, if you "click" on a banner advertisement or a search result, your "click" may take you off the Site. This may include links from advertisers, sponsors, and content partners that may use our logo(s) as part of a co- branding agreement. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. In addition, advertisers on the Site may send cookies to users that we do not control. PASSWORD AND SECURITY If you are issued or create any password or other credentials to access the Service or the portion of the Site through which the Service is offered, you agree not to give or make available your password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials. If you believe that your credentials have been lost or stolen or that someone may attempt to use them to access the Site or Service without your consent, you if we find an error did not occurmust inform us at once at the telephone number provided in the "Notices to Us Regarding the Service" section. See also "Your Liability for Unauthorized Transfers" section regarding how the timeliness of your notice impacts your liability for unauthorized transfers.

Questions and Complaints. a. In case of errors or questions about your transactions, you should as soon as possible contact us as at set forth in Section 6 of the General Terms above"Notices to Us regarding the Service" section. b. If you think your periodic statement for your account transaction history is incorrect or you need more information about a transaction listed in the periodic statement for your accounttransaction history, we must hear from you no later than sixty (60) days after we sent you the first statement on transaction in which the problem or error occurredappears is FIRST posted in the transaction history. You must: 1. must  Tell us your name and account number (if any); 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. information  Tell us the dollar amount of the suspected error. c. If you tell us orallyverbally, we may require that you send provide us your complaint or question in writing within ten (10) Business Days 10 business days after your oral verbal notification. Except as described below, we We will determine whether an error occurred within ten 10 business days, (1020 business days if the transfers involved a new account) Business Days after you notify us of the error. We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, hear from you and will correct any error errors promptly. HoweverIf we need more time, however, we may take up to 45 days (90 days if we require more time the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to confirm the nature of 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 credit your Eligible Transaction Account 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 use of the money during the time it takes us to complete our investigation. If we ask you to submit 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 Eligible Transaction Accountaccount. An account is considered a new account for the first 30 days after the first deposit is made, if you are a new Customer. We will tell you the results within 3 business days after completing our investigation. If it is determined we decide that there was no error, we will mail send you a written explanation within three (3) Business Days after completion explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of our investigationthe provisional credit. You may ask for request copies of documents used in our investigation. We LINKS AND FRAMES Links to other sites may revoke be provided on the portion of the Site through which the Service is offered for your convenience. By providing these links, we are not endorsing, sponsoring or recommending such sites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any provisional credit other site, and make no representations concerning the content of sites listed in any of the Service web pages. Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to the Site. For example, if you "click" on a banner advertisement or a search result, your "click" may take you off the Site. This may include links from advertisers, sponsors, and content partners that may use our logo(s) as part of a co- branding agreement. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. In addition, advertisers on the Site may send cookies to users that we do not control. PASSWORD AND SECURITY If you are issued or create any password or other credentials to access the Service or the portion of the Site through which the Service is offered, you agree not to give or make available your password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials. If you believe that your credentials have been lost or stolen or that someone may attempt to use them to access the Site or Service without your consent, you if we find an error did not occurmust inform us at once at the telephone number provided in the "Notices to Us Regarding the Service" section. See also "Your Liability for Unauthorized Transfers" section regarding how the timeliness of your notice impacts your liability for unauthorized transfers.

Questions and Complaints. a. In case of errors or questions about your transactions, you should as soon as possible contact us as at set forth in Section 6 of the General Terms above"Notices to Us regarding the Service" section. b. If you think your periodic statement for your account transaction history is incorrect or you need more information about a transaction listed in the periodic statement for your accounttransaction history, we must hear from you no later than sixty (60) days after we sent you the first statement on transaction in which the problem or error occurredappears is FIRST posted in the transaction history. You must: 1. must Tell us your name and account number (if any); 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. information Tell us the dollar amount of the suspected error. c. If you tell us orallyverbally, we may require that you send provide us your complaint or question in writing within ten (10) Business Days 10 business days after your oral verbal notification. Except as described below, we We will determine whether an error occurred within ten 10 business days, (1020 business days if the transfers involved a new account) Business Days after you notify us of the error. We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, hear from you and will correct any error errors promptly. HoweverIf we need more time, however, we may take up to 45 days (90 days if we require more time the transfer involved a new account, a point-of-sale transaction or a foreign initiated transfer) to confirm the nature of 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 credit your Eligible Transaction Account 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 use of the money during the time it takes us to complete our investigation. If we ask you to submit 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 Eligible Transaction Accountaccount. An account is considered a new account for the first 30 days after the first deposit is made, if you are a new Customer. We will tell you the results within 3 business days after completing our investigation. If it is determined we decide that there was no error, we will mail send you a written explanation within three (3) Business Days after completion explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of our investigationthe provisional credit. You may ask for request copies of documents used in our investigation. We LINKS AND FRAMES Links to other sites may revoke be provided on the portion of the Site through which the Service is offered for your convenience. By providing these links, we are not endorsing, sponsoring or recommending such sites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any provisional credit other site, and make no representations concerning the content of sites listed in any of the Service web pages. Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to the Site. For example, if you "click" on a banner advertisement or a search result, your "click" may take you off the Site. This may include links from advertisers, sponsors, and content partners that may use our logo(s) as part of a co- branding agreement. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. In addition, advertisers on the Site may send cookies to users that we do not control. PASSWORD AND SECURITY If you are issued or create any password or other credentials to access the Service or the portion of the Site through which the Service is offered, you agree not to give or make available your password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials. If you believe that your credentials have been lost or stolen or that someone may attempt to use them to access the Site or Service without your consent, you if we find an error did not occurmust inform us at once at the telephone number provided in the "Notices to Us Regarding the Service" section. See also "Your Liability for Unauthorized Transfers" section regarding how the timeliness of your notice impacts your liability for unauthorized transfers.

Questions and Complaints. a. In case of errors or questions about your transactions, you should as soon as possible contact us as set forth in Section 6 of 12 (Notices to Us Regarding the General Terms Account to Account Transfer Service) above. b. • If you think your periodic statement for your account is incorrect or you need more information about a transaction listed in the periodic statement for your account, we must hear from you no later than sixty (60) days after we sent send you the first applicable periodic statement on which for your account that identifies the problem or error occurrederror. You must: 1. o Tell us your name and account number (if any)name; 2. o 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. o Tell us the dollar amount of the suspected error. c. • If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your oral notification. Except as described below, we will determine whether an error occurred within ten (10) Business Days after you notify us of the error. We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, 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- forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Eligible Transaction 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 Eligible Transaction Account. If it is determined there was no error, 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. Intellectual Property All marks and logos related to the Account to Account Transfer Service are either trademarks or registered trademarks of us or our licensors. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress or those of our licensors. You may not copy, imitate, or use any of the above without our prior written consent, which we may withhold in our sole discretion, and you may not use them in a manner that is disparaging to us or the Account to Account Transfer Service or display them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to the Account to Account Transfer Service, the portion of the Site through which the Account to Account Transfer Service is offered, the technology related to the Site and Account to Account Transfer Service, and any and all technology and any content created or derived from any of the foregoing, is our exclusive property or that of our licensors. Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the Site or Account to Account Transfer Service shall be considered an uncompensated contribution of intellectual property to us and our licensors, shall also be deemed our and our licensors’ exclusive intellectual property, and shall not be subject to any obligation of confidentiality on our part. By submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us and our licensors a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called "moral rights" in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights.