Common use of ADDITIONAL PROVISIONS APPLICABLE ONLY TO CONSUMER AND SOLEPROPRIETOR ACCOUNTS Clause in Contracts

ADDITIONAL PROVISIONS APPLICABLE ONLY TO CONSUMER AND SOLEPROPRIETOR ACCOUNTS. 1. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Telephone us at ▇-▇▇▇-▇▇▇-▇▇▇▇ or ▇-▇▇▇-▇▇▇-▇▇▇▇, send an email to ▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇▇, or write us at ▇▇▇▇▇▇-▇▇▇▇ Credit Union, Inc., ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇., ▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, Attention: eServices as soon as you can, if you think your statement is wrong or if you need more information about a transfer or Bill Pay Payment listed on your Account statement. We must hear from you no later than 60days after we send the FIRST Account statement on which the problem or error appears. A. Tell us your name and Account number. B. 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. C. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. We will tell you the results of our investigation within 10 Business Days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will recredit your Account within 10 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 put your complaint or questions in writing and we do not receive it within 10 business days, we may not recredit your Account. D. If we decide that there was no error, we will send you a written explanation within 3 Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. E. For errors involving new Accounts, (your complaint or questions involve a transaction to or from an Account within 30 days after the first deposit to the Account was made) 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. F. We will tell you the results within 3 Business Days after completing our investigation. If we decide that 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.

ADDITIONAL PROVISIONS APPLICABLE ONLY TO CONSUMER AND SOLEPROPRIETOR ACCOUNTS. 1. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Telephone us at ▇-▇▇▇-▇▇▇-▇▇▇▇ or ▇1-▇▇▇800-▇▇▇762-▇▇▇▇0047, send an email to ▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇▇, or write us at ▇▇▇▇▇▇-▇▇▇▇ Credit Union, Inc., ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇., ▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇, Attention: eServices as soon as you can, if you think your statement is wrong or if you need more information about a transfer or Bill ▇▇▇▇ Pay Payment listed on your Account statement. We must hear from you no later than 60days after we send the FIRST Account statement on which the problem or error appears. A. Tell us your name and Account number. B. 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. C. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. We will tell you the results of our investigation within 10 Business Days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will recredit your Account within 10 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 put your complaint or questions in writing and we do not receive it within 10 business days, we may not recredit your Account. D. If we decide that there was no error, we will send you a written explanation within 3 Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. E. For errors involving new Accounts, (your complaint or questions involve a transaction to or from an Account within 30 days after the first deposit to the Account was made) 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. F. We will tell you the results within 3 Business Days after completing our investigation. If we decide that 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.