Common use of RIGHT TO BRING CIVIL ACTION Clause in Contracts

RIGHT TO BRING CIVIL ACTION. You may bring a civil action against any person/party violating the consumer privacy and unauthorized withdrawal provisions of the Minnesota Statutes applicable to the use of your Card, and may recover actual damages or $500, whichever is greater, and punitive damages, together with court costs and reasonable attorney's fees incurred. The customary amount of time needed to make a Debit Card purchase at a merchant facility and have the transaction posted to your account may be days after the transaction is completed depending on when the merchant sends it to us for payment. Some transactions may take longer to post to your account depending on when a merchant submits it to us for payment. The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to your account is generally the same business day the transaction is completed. The customary amount of time needed to make a deposit, withdrawal or loan payment and have the transaction posted to your account is generally the same business day the transaction is completed. You may not reverse any transaction when using your Card to pay for goods or services by transferring funds through a terminal. Payment for goods or services by a transfer of funds through a terminal shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. In case of errors or questions about your electronic transfers, contact us at the number or address listed below as soon as you can and include the information listed below. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. By Telephone: 000.000.0000 or 888.347.7473 By U.S. Mail: 0000 Xxxxxxxxxx Xxx X, Xxxxxx Xxxxxxx, XX 00000 or PO Box 130670, Roseville, MN 55113 • 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 verbally, we may require that you send us your complaint or question in writing within 10 business days. So that we may fully investigate your complaint, we may ask you to provide additional information to the extent allowed by law. We will determine whether an error occurred within 10 business days (5 business days for debit Card POS transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45* days (90 days if the transfer involved a POS transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10** business days (5 business days for debit Card POS transactions) 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 10 business days, we may not credit your account. We will tell you the results within three business days after completing our investigation. If we decide 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. See Personal Fee Schedule for any fees associated with such copies. *For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. **For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of these disclosures, our business days are Monday through Friday. Federal Holidays are not included. Honoring the Card(s); Refunds: Neither we nor the merchants authorized to honor the Card will be liable for failure or refusal to honor your Card, access device, or code. If a merchant agrees to provide a refund or adjustment to you, you agree to accept a credit to your account instead of a cash refund. Foreign Transactions; Currency Conversion: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The conversion rate in dollars will be (1) a rate selected by Mastercard from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard itself receives; or (2) the government-mandated rate in effect for the applicable central processing date in each instance. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee in the amount disclosed on your Personal Fee Schedule, even if you are located in the United States.

RIGHT TO BRING CIVIL ACTION. You may bring a civil action against any person/party violating the consumer privacy and unauthorized withdrawal provisions of the Minnesota Statutes applicable to the use of your Card, and may recover actual damages or $500, whichever is greater, and punitive damages, together with court costs and reasonable attorney's fees incurred. The customary amount of time needed to make a Debit Card purchase at a merchant facility and have the transaction posted to your account may be days after the transaction is completed depending on when the merchant sends it to us for payment. Some transactions may take longer to post to your account depending on when a merchant submits it to us for payment. The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to your account is generally the same business day the transaction is completed. The customary amount of time needed to make a deposit, withdrawal or loan payment and have the transaction posted to your account is generally the same business day the transaction is completed. You may not reverse any transaction when using your Card to pay for goods or services by transferring funds through a terminal. Payment for goods or services by a transfer of funds through a terminal shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. In case of errors or questions about your electronic transfers, contact us at the number or address listed below as soon as you can and include the information listed below. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. By Telephone: 000.000.0000 or 888.347.7473 000.000.0000 By U.S. Mail: 0000 Xxxxxxxxxx Xxx X, Xxxxxx Xxxxxxx, XX 00000 or PO Box 130670, Roseville, MN 55113 • 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 verbally, we may require that you send us your complaint or question in writing within 10 business days. So that we may fully investigate your complaint, we may ask you to provide additional information to the extent allowed by law. We will determine whether an error occurred within 10 business days (5 business days for debit Card POS transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45* days (90 days if the transfer involved a POS transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10** 10 business days (5 business days for debit Card POS transactions) 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 10 10** business days, we may not credit your account. If a notice of error involves an unauthorized transaction on your Visa debit card, other than a cash disbursement at an ATM, we will provide provisional credit to your account within 5 business days of your notification so you will have use of the money during the time it takes us to complete our investigation. ***However, we may delay providing provisional credit if the circumstances or account history warrants the delay, in which case we will provide provisional credit within ten (10) business days. We will tell you the results within three business days after completing our investigation. Errors reported by you within 30 days of your first deposit to your account may take up to 20 business days to investigate. If we decide there was no error, we will reverse the provisional credit to your account and send you a written explanation. You may ask for copies of the documents that we used in our investigation. See Personal Business Fee Schedule for any fees associated with such copies. *For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. **For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. ***Does not apply to Non-Visa PIN- less transactions. For purposes of these disclosuresthis Agreement, our business days are Monday through Friday. Federal Holidays are not included. Honoring the Card(s); Refunds: Neither we nor the merchants authorized to honor the Card will be liable for failure or refusal to honor your Card, access deviceaccessdevice, or code. If a merchant agrees to provide a refund or adjustment to you, you agree to accept a credit to your account instead of a cash refund. Foreign Transactions; Currency Conversion: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The conversion rate in dollars will be (1) a rate selected by Mastercard Visa International from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date in each instance. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee in the amount disclosed on your Personal Business Fee Schedule, even if you are located in the United States.

RIGHT TO BRING CIVIL ACTION. You may bring a civil action against any person/party violating the consumer privacy and unauthorized withdrawal provisions of the Minnesota Statutes applicable to the use of your Card, and may recover actual damages or $500, whichever is greater, and punitive damages, together with court costs and reasonable attorney's fees incurred. The customary amount of time needed to make a Debit Card purchase at a merchant facility and have the transaction posted to your account may be days after the transaction is completed depending on when the merchant sends it to us for payment. Some transactions may take longer to post to your account depending on when a merchant submits it to us for payment. The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to your account is generally the same business day the transaction is completed. The customary amount of time needed to make a deposit, withdrawal or loan payment and have the transaction posted to your account is generally the same business day the transaction is completed. You may not reverse any transaction when using your Card to pay for goods or services by transferring funds through a terminal. Payment for goods or services by a transfer of funds through a terminal shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. In case of errors or questions about your electronic transfers, contact us at the number or address listed below as soon as you can and include the information listed below. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. By Telephone: 000.000.0000 or 888.347.7473 000.000.0000 By U.S. Mail: 0000 Xxxxxxxxxx Xxx X, Xxxxxx Xxxxxxx, XX 00000 or PO Box 130670, Roseville, MN 55113 • 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 verbally, we may require that you send us your complaint or question in writing within 10 business days. So that we may fully investigate your complaint, we may ask you to provide additional information to the extent allowed by law. We will determine whether an error occurred within 10 business days (5 business days for debit Card POS transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45* days (90 days if the transfer involved a POS transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10** business days (5 business days for debit Card POS transactions) 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 10 business days, we may not credit your account. We will tell you the results within three business days after completing our investigation. If we decide 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. See Personal Fee Schedule for any fees associated with such copies. *For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. **For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of these disclosures, our business days are Monday through Friday. Federal Holidays are not included. Honoring the Card(s); Refunds: Neither we nor the merchants authorized to honor the Card will be liable for failure or refusal to honor your Card, access device, or code. If a merchant agrees to provide a refund or adjustment to you, you agree to accept a credit to your account instead of a cash refund. Foreign Transactions; Currency Conversion: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The conversion rate in dollars will be (1) a rate selected by Mastercard from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard itself receives; or (2) the government-mandated rate in effect for the applicable central processing date in each instance. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee in the amount disclosed on your Personal Fee Schedule, even if you are located in the United States.

RIGHT TO BRING CIVIL ACTION. You may bring a civil action against any person/party violating the consumer privacy and unauthorized withdrawal provisions of the Minnesota Statutes applicable to the use of your Card, and may recover actual damages or $500, whichever is greater, and punitive damages, together with court costs and reasonable attorney's fees incurred. The customary amount of time needed to make a Debit Card purchase at a merchant facility and have the transaction posted to your account may be days after the transaction is completed depending on when the merchant sends it to us for payment. Some transactions may take longer to post to your account depending on when a merchant submits it to us for payment. The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to your account is generally the same business day the transaction is completed. The customary amount of time needed to make a deposit, withdrawal or loan payment and have the transaction posted to your account is generally the same business day the transaction is completed. You may not reverse any transaction when using your Card to pay for goods or services by transferring funds through a terminal. Payment for goods or services by a transfer of funds through a terminal shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. In case of errors or questions about your electronic transfers, contact us at the number or address listed below as soon as you can and include the information listed below. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. By Telephone: 000.000.0000 or 888.347.7473 000.000.0000 By U.S. Mail: 0000 Xxxxxxxxxx Xxx X, Xxxxxx Xxxxxxx, XX 00000 or PO Box 130670, Roseville, MN 55113 • 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 verbally, we may require that you send us your complaint or question in writing within 10 business days. So that we may fully investigate your complaint, we may ask you to provide additional information to the extent allowed by law. We will determine whether an error occurred within 10 business days (5 business days for debit Card POS transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45* days (90 days if the transfer involved a POS transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10** business days (5 business days for debit Card POS transactions) 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 10 business days, we may not credit your account. We will tell you the results within three business days after completing our investigation. Errors reported by you within 30 days of your first deposit to your account may take up to 20 business days to investigate. If we decide 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. See Personal Business Fee Schedule for any fees associated with such copies. *For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. **For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For purposes of these disclosuresthis Agreement, our business days are Monday through Friday. Federal Holidays are not included. Honoring the Card(s); Refunds: Neither we nor the merchants authorized to honor the Card will be liable for failure or refusal to honor your Card, access device, or code. If a merchant agrees to provide a refund or adjustment to you, you agree to accept a credit to your account instead of a cash refund. Foreign Transactions; Currency Conversion: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The conversion rate in dollars will be (1) a rate selected by Mastercard from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard itself receives; or (2) the government-mandated rate in effect for the applicable central processing date in each instance. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee in the amount disclosed on your Personal Business Fee Schedule, even if you are located in the United States.

RIGHT TO BRING CIVIL ACTION. You may bring a civil action against any person/party violating the consumer privacy and unauthorized withdrawal provisions of the Minnesota Statutes applicable to the use of your Card, and may recover actual damages or $500, whichever is greater, and punitive damages, together with court costs and reasonable attorney's fees incurred. The customary amount of time needed to make a Debit Card purchase at a merchant facility and have the transaction posted to your account may be days after the transaction is completed depending on when the merchant sends it to us for payment. Some transactions may take longer to post to your account depending on when a merchant submits it to us for payment. The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to your account is generally the same business day the transaction is completed. The customary amount of time needed to make a deposit, withdrawal or loan payment and have the transaction posted to your account is generally the same business day the transaction is completed. You may not reverse any transaction when using your Card to pay for goods or services by transferring funds through a terminal. Payment for goods or services by a transfer of funds through a terminal shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. In case of errors or questions about your electronic transfers, contact us at the number or address listed below as soon as you can and include the information listed below. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. By Telephone: 000.000.0000 or 888.347.7473 000.000.0000 By U.S. Mail: 0000 Xxxxxxxxxx Xxx X, Xxxxxx Xxxxxxx, XX 00000 or PO Box 130670, Roseville, MN 55113 • 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 verbally, we may require that you send us your complaint or question in writing within 10 business days. So that we may fully investigate your complaint, we may ask you to provide additional information to the extent allowed by law. We will determine whether an error occurred within 10 business days (5 business days for debit Card POS transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45* days (90 days if the transfer involved a POS transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10** 10 business days (5 business days for debit Card POS transactions) 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 10 10** business days, we may not credit your account. If a notice of error involves an unauthorized transaction on your Visa debit card, other than a cash disbursement at an ATM, we will provide provisional credit to your account within 5 business days of your notification so you will have use of the money during the time it takes us to complete our investigation. ***However, we may delay providing provisional credit if the circumstances or account history warrants the delay, in which case we will provide provisional credit within ten (10) business days. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will reverse the provisional credit to your account and send you a written explanation. You may ask for copies of the documents that we used in our investigation. See Personal Fee Schedule for any fees associated with such copies. *For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. **For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. ***Does not apply to Non-Visa PIN- less transactions. For purposes of these disclosures, our business days are Monday through Friday. Federal Holidays are not included. Honoring the Card(s); Refunds: Neither we nor the merchants authorized to honor the Card will be liable for failure or refusal to honor your Card, access device, or code. If a merchant agrees to provide a refund or adjustment to you, you agree to accept a credit to your account instead of a cash refund. Foreign Transactions; Currency Conversion: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The conversion rate in dollars will be (1) a rate selected by Mastercard Visa International from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date in each instance. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee in the amount disclosed on your Personal Fee Schedule, even if you are located in the United States.

RIGHT TO BRING CIVIL ACTION. You may bring a civil action against any person/party violating the consumer privacy and unauthorized withdrawal provisions of the Minnesota Statutes applicable to the use of your Card, and may recover actual damages or $500, whichever is greater, and punitive damages, together with court costs and reasonable attorney's fees incurred. The customary amount of time needed to make a Debit Card purchase at a merchant facility and have the transaction posted to your account may be days after the transaction is completed depending on when the merchant sends it to us for payment. Some transactions may take longer to post to your account depending on when a merchant submits it to us for payment. The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to your account is generally the same business day the transaction is completed. The customary amount of time needed to make a deposit, withdrawal or loan payment and have the transaction posted to your account is generally the same business day the transaction is completed. You may not reverse any transaction when using your Card to pay for goods or services by transferring funds through a terminal. Payment for goods or services by a transfer of funds through a terminal shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. In case of errors or questions about your electronic transfers, contact us at the number or address listed below as soon as you can and include the information listed below. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. By Telephone: 000.000.0000 or 888.347.7473 By U.S. Mail: 0000 Xxxxxxxxxx Xxx X, Xxxxxx Xxxxxxx, XX 00000 or PO Box 130670, Roseville, MN 55113 • 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 verbally, we may require that you send us your complaint or question in writing within 10 business days. So that we may fully investigate your complaint, we may ask you to provide additional information to the extent allowed by law. We will determine whether an error occurred within 10 business days (5 business days for debit Card POS transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45* days (90 days if the transfer involved a POS transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10** 10 business days (5 business days for debit Card POS transactions) 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 10 10** business days, we may not credit your account. If a notice of error involves an unauthorized transaction on your Visa debit card, other than a cash disbursement at an ATM, we will provide provisional credit to your account within 5 business days of your notification so you will have use of the money during the time it takes us to complete our investigation. ***However, we may delay providing provisional credit if the circumstances or account history warrants the delay, in which case we will provide provisional credit within ten (10) business days. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will reverse the provisional credit to your account and send you a written explanation. You may ask for copies of the documents that we used in our investigation. See Personal Fee Schedule for any fees associated with such copies. *For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. **For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. ***Does not apply to Non-Visa PIN- less transactions. For purposes of these disclosures, our business days are Monday through Friday. Federal Holidays are not included. Honoring the Card(s); Refunds: Neither we nor the merchants authorized to honor the Card will be liable for failure or refusal to honor your Card, access device, or code. If a merchant agrees to provide a refund or adjustment to you, you agree to accept a credit to your account instead of a cash refund. Foreign Transactions; Currency Conversion: Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The conversion rate in dollars will be (1) a rate selected by Mastercard Visa International from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date in each instance. All transactions processed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee in the amount disclosed on your Personal Fee Schedule, even if you are located in the United States.