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 violating any provision of Minnesota Statues § 47.69 (governing consumer privacy and unauthorized withdrawals). If you prevail in such an action, you may recover the greater of your actual damages or $500. You may also be entitled to recover punitive damages, your court costs and reasonable attorney's fees. TIME NEEDED TO COMPLETE TERMINAL TRANSACTIONS • Withdrawals made at a terminal will normally be completed and charged to your account the next business day. • Deposits made at a terminal will normally be credited to your account the next business day. • Transfers between accounts will normally be completed the next business day. • Payments made at a terminal will normally be completed the next business day. POINT-OF-SALE TRANSACTIONS- Payment for goods or services made in this manner 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. You cannot reverse a point-of-sale transaction. ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

RIGHT TO BRING CIVIL ACTION. You may bring a civil action against any person violating any provision of Minnesota Statues Statutes § 47.69 (governing consumer privacy and unauthorized withdrawals). If you prevail in such an action, you may recover the greater of your actual damages or $500. You may also be entitled to recover punitive damages, your court costs and reasonable attorney's ’s fees. TIME NEEDED TO COMPLETE TERMINAL TRANSACTIONS • Withdrawals made at a terminal will normally be completed and charged to your account the next business day. • Deposits made at a terminal will normally be credited to your account the next business day. • Transfers between accounts will normally be completed the next business day. • Payments made at a terminal will normally be completed the next business day. POINT-OF-SALE TRANSACTIONS- TRANSACTIONS Payment for goods or services made in this manner 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. You cannot reverse a point-of-sale transaction. ERROR RESOLUTION NOTICE In Case case of Errors errors or Questions About Your questions about your Electronic Transfers, Call call or Write write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.