Common use of Statement Errors Clause in Contracts

Statement Errors. In case of errors or questions about EFTs, telephone us at 000- 000-0000 or toll free at 000-000-0000 and send us a written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. In your notice: • Tell us your name and account number. • Describe 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 com- plaint or question in writing within ten (10) business days. 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. For er- rors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will recredit the account within ten (10) business days (five (5) business days for Purchases and withdraw- als made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions, as estab- lished by Visa International, Inc., is a rate selected by Visa from the range of rates available in wholesale currency markets for the appli- cable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the ap- plicable central processing date. In addition, you will be charged an International Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country. 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 ten (10) business days, we may not recredit the account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three

Statement Errors. In case of errors or questions about EFTs, telephone us at 000- 000-0000 or toll free at 000-000-0000 and send us a written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. In your notice: • Tell us your name and account number. • Describe 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 com- plaint or question in writing within ten (10) business days. 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. For er- rors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will recredit the account within ten (10) business days (five (5) business days for Purchases and withdraw- als made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions, as estab- lished by Visa International, Inc., is a rate selected by Visa from the range of rates available in wholesale currency markets for the appli- cable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the ap- plicable central processing date. In addition, you will be charged an International Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country. transactionsDebit Card transac- tions) 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 investigationinves- tigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit the account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three

Statement Errors. In case of errors or questions about EFTsyour Home Banking transactions, contact us by: telephone at the phone numbers listed; or write us at 000- 000-0000 or toll free at 000-000-0000 and send us a written noticethe address set forth in Section 5, as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. In your notice: • Tell us your name and account number. • Describe the transfer transaction 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 verballyorally, we may require that you send us your com- plaint complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any the error promptly. For er- rors Errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five forty­five (45) calendar days to investigate your complaint or question questions (ninety (90) calendar days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will recredit the re­credit your account within ten (10) business days (five (5) business days for Purchases and withdraw- als made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions, as estab- lished by Visa International, Inc., is a rate selected by Visa from the range of rates available in wholesale currency markets for the appli- cable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the ap- plicable central processing date. In addition, you will be charged an International Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country. 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 ten (10) business days, we may not recredit the re­credit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within threethree (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

Statement Errors. In case of errors or questions about EFTs, telephone us at 000- 000toll-0000 or toll free at 000-000-0000 and send us a written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. In your notice: • Tell us your name and account number. • Describe 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 com- plaint or question in writing within ten (10) business days. 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. For er- rors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will recredit the account within ten (10) business days (five (5) business days for Purchases and withdraw- als made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions, as estab- lished by Visa International, Inc., is a rate selected by Visa from the range of rates available in wholesale currency markets for the appli- cable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the ap- plicable central processing date. In addition, you will be charged an International Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country. transactionsCheck Card trans- actions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit the account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three

Statement Errors. In case of errors or questions about EFTs, telephone us at 000- 000-0000 or toll free at 000-000-0000 and send us a written notice. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. In your notice: • Tell us your name and account number. • Describe 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 com- plaint or question in writing within ten (10) business days. 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. For er- rors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will recredit the account within ten (10) business days (five (5) business days for Purchases and withdraw- als made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions, as estab- lished by Visa International, Inc., is a rate selected by Visa from the range of rates available in wholesale currency markets for the appli- cable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the ap- plicable central processing date. In addition, you will be charged an International Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country. MasterMoney Debit Card 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 ten (10) business days, we may not recredit the account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three