Common use of BILLING ERRORS Clause in Contracts

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your 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 error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savingsshare, Checkingsavings, Money Market checking and loan money market accounts, or if you need information about a transfer on the statement or receipt telephone us at the following number or send us a written notice to the following address 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. Call us, us at: or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. to: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty- five (45) days to investigate the error. Additionally, for errors occurring within 30 days after you make the first deposit to your account, we may take up to 20 business days instead of ten (10) business days to credit your account.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savingssavings and primary savings, Checking, Money Market and loan checking accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement on or which the problem appears. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ in Metro Atlanta (▇▇▇) ▇▇▇-▇▇▇▇ outside Metro Atlanta Fax: (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: Coca-Cola Credit Union home branch using the branch contact information on the last page of this agreement. 1. PO Box 1734 Atlanta, GA 30301 • Tell us your name and account member number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* 13 business days for or 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days to investigate. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of only forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savingsshare, Checkingsavings, Money Market checking and loan money market accounts, or if you need information about a transfer on the statement or receipt telephone us at the following number or send us a written notice to the following address 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. Call us, us at: or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. to: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. (if any). 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic error or the transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 ten (10) business days. We will tell you the results of our investigation investigations within ten (10)* ) business days after we hear from you and will correct any error promptly. For 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 (45) ** calendar days to investigate your complaint or question, ninety (90) calendar days for a POS transaction error, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10)* ) business days (five (5) business days for VISA Check Card purchase 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 re-credit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members’ rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market savings and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, or : (▇▇▇) ▇▇▇-▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ Toll Free Or write us, at the number or address of your to: BCS Community Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ Wheat Ridge, CO 80033 Fax: (▇▇▇) ▇▇▇-▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsCoast Online or Coast ePay transactions, telephone us at the following phone number or send write to us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 w ithin ten (10) business calendar days. We will w ill tell you the results of our investigation within w ithin ten (10)* ) business days after we hear from you and will we w ill correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will w ill provide a conditional credit to your account within w ithin ten (10)* ) business days for the amount you think is in error, ; so that you will w ill have the use of the money funds 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 w ithin ten (10) business days, we may not provide conditional credit to your account. We will tell you For transactions initiated outside the results within three (3) business days of completing our investigation. If we decide that there was no errorUnited States, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will w ill have twenty (20) business days instead of tenten (10) business days, and ninety (90) calendar days instead of forth-five (45) calendar days, unless otherw ise required by law , to investigate your complaint or question.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savingsshare, Checkingsavings, Money Market checking and loan money market accounts, or if you need information about a transfer on the statement or receipt telephone us at the following number or send us a written notice to the following address 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. Call us, us at: or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. to: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty- five (45) days to investigate the error. Additionally, for errors occurring within 30 days after you make the first deposit to your account, we may take up to 20 business days instead of ten (10) business days to credit your account.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market share and loan checking accounts, telephone us at the following number telephone, email or send us a written notice to one of the following address addresses 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. Call us, us at: Telephone: ▇▇▇-▇▇▇-▇▇▇▇ or write us, at the number or address of your ▇▇▇-▇▇▇-▇▇▇▇ (during business hours) Email: ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇ Mail: Lafayette Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. Attn: Mastercard ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number or (▇▇▇) ▇▇▇-▇▇▇▇ and send us a written notice to the following address as soon as you cannotice. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of In your Credit Union home branch using the branch contact information on the last page of this agreement. 1. notice: ▪ Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. ▪ Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. ▪ 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 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 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 (45) ** days to investigate your complaint or questionquestion (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 credit recredit your account within ten (10)* ) business days (five (5) business days for Mastercard 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 credit recredit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents that we extent possible without violating other members’ rights to privacy) used in our investigation. * If you give notice of an conclusion that the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountselec- tronic transfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above 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. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreementerror appeared. 1. a. Tell us your name and account number. 2. b. Describe the transfer you are unsure about, and explain 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. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10)10 business days* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days). If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of ten10 business days. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have 90 days instead of 45 days to investigate.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountsor electronic ▇▇▇▇ payments, telephone us at the following number (▇▇▇) ▇▇▇-▇▇▇▇ or send write us a written notice to the following address at ▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ 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 or error appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic error or the transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 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. If we need more time, however, we may take up to forty-five (45) ** calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10)* ) business days [five (5) business days for VISA Debit Card purchases 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 re-credit your account. For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to ninety (90) calendar days to investigate your complaint or question. For 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. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no erroran error did not occur, we will send deliver or mail you a written explanation. You may ask for copies an explanation of our findings within three (3) business days after the documents that we used in conclusion of our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your accountrequest, we will have twenty provide you copies of documents (20to the extent possible without violating other members’ rights to privacy) business days instead of tenrelied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market share and loan share draft accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST First statement on which the problem appears. Call us, or us at: ▇▇▇.▇▇▇.▇▇▇▇ Or write us, at the number or address of your to: CityMark Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇ ▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇-▇▇▇▇▇, PA 18711 • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. number • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money during the time that 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfer card transactions, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above 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. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreementerror appeared. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer card transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 ten (10) business days. We will tell you the results of our investigation within ten (10)10 business days* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within 5 business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days). If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * *If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of ten10 business days. **If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a Point of Sale (POS) card transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have 90 days instead of 45 days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market savings and loan checking accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ or 1-877-829-1616 or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. to: Temple-Inland FCU • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. We will also have up to ninety (90) days instead of forty-five (45) days to investigate POS or foreign initialed transactions.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number or (▇▇▇) ▇▇▇-▇▇▇▇ and send us a written notice to the following address as soon as you cannotice. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of In your Credit Union home branch using the branch contact information on the last page of this agreement. 1. notice:  Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3.  Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information.  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 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 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 (45) ** days to investigate your complaint or questionquestion (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 credit recredit your account within ten (10)* ) business days (five (5) business days for MasterCard 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 credit recredit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenour

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market share and loan share draft accounts, telephone us at the following number number, or send us a written notice to the following address 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. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. us at: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 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. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market and loan accountsShare and/or Share Draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We W e must hear from you no later than sixty (60) 60 days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. us at: Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. 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 ten (10) business days. We W e will tell you the results of our investigation within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* ) business days for the amount you think is in error, 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 credit your account. We W e will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address shown on the front of this disclosure as soon as you cancan 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 sixty (60) days after we sent the FIRST first statement on which the problem or error appears. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: CommStar Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Elyria, Ohio 44035 • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, us at: Local: (▇▇▇) ▇▇▇-▇▇▇▇ Toll-Free: (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: The United Methodist Credit Union home branch using the branch contact information on the last page of this agreement. 1. PO Box 13680 Richmond, VA 23228 Fax: (▇▇▇) ▇▇▇-▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsEFTs, telephone us at the following number or ▇▇▇-▇▇▇-▇▇▇▇ and send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of In your Credit Union home branch using the branch contact information on the last page of this agreement. 1. notice: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 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 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 (45) ** days to investigate your complaint or questionquestion (ninety [90] days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10)* 10 business days (five [5] business days for VISA Check 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 re-credit your account. We will tell you the results within three (3) business days of completing our investigation. If we decide after our investigation that there was no erroran error did not occur, we will send deliver or mail to you a written explanation. You may ask for copies an explanation of the documents that we used in our investigation. * If you give notice of an error findings within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenthree

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market share savings and loan share draft checking accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ FAX: (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: Omaha Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇▇ ▇ ▇▇▇▇ ▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇ • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 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. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint complain or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * *If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of ten10 business days. **If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving transaction initiated outside the U.S. its possessions and territories, will have 30 days instead of 45 days to investigate. *If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within 5 business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savingsshare, Checkingsavings, Money Market checking and loan money market accounts, or if you need information about a transfer on the statement or receipt telephone us at the following number or send us a written notice to the following address 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. Call us, us at: or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. to: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. *If you give notice of an error occurring within thirty (30) days after you make the first deposit to your account, we may take up to twenty (20) business days instead of ten (10) business days to investigate the error. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have twenty ninety (2090) days instead of forty- five (45) days to investigate the error. Additionally, for errors occurring within 30 days after you make the first deposit to your account, we may take up to 20 business days instead of tenten (10) business days to credit your account.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market share and loan share draft accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement.us at: 1. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your 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 error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale (POS), or foreign-initiated transactions (transactions initiated outside the U.S. and its possessions and territories), we may take up to ninety (90) days to investigate your complaint or question. For new accounts (the first thirty (30) days after you make the initial deposit to your account), we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accounts, telephone us at, 253. 964.3113 or toll free, 1.866.YOUR1CU (968.7128) during regular hours or write us at America’s Credit Union, PO Box 5060, DuPont, WA 98327, or contact us electronically by sending an email message through the following number or send us a written notice to the following address Online Banking Service, ▇▇▇.▇▇▇▇▇▇▇.▇▇▇, 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 fromyou no later than sixty (60) days after we sent the FIRST statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. Tell us a. Include your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic error or transfer you are unsure about, about and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. c. Include 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 ten (10) 10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* 10 business days (5 business days if involved a Visa point-of-sale transaction processed by Visa) 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) 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made if you are a new member. 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. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer transaction you are unsure about, about and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. c. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your 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 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 (45) ** calendar days to investigate your complaint or questionquestion (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will credit your account within ten (10)* ) business days (five (5) business days for debit card purchase 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 credit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our fi dings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members’ rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. The following billing error provisions apply only to single and multiple party accounts and not to business member accounts. In case cases of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account numbernumber (if any). 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic error or the transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 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 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 (45) ** calendar days to investigate your complaint or question; ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States. If we decide to do this, we will re-credit your account within ten (10)* ) business days (five (5) business days for VISA Debit Card POS purchase transactions) for the amount you think is in error, so that you will have the use of the money during the same 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, days we may not credit recredit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members’ rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone number(s) or send write us a written notice to at the following address set forth above 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 sixty (60) days after we sent the FIRST statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreementappeared. (1. ) Tell us your name and account numbernumber (if any). (2. Tell us the dollar amount of the suspected error. 3. ) Describe the electronic transfer error or the transfers you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. (3) 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 ten (10) business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* 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 question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. 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. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above 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 sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreementerror appeared. (1. ) Tell us your name and account numbernumber (if any). (2. Tell us the dollar amount of the suspected error. 3. ) Describe the electronic error or the transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. (3) 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 ten (10) 10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* 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 question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. 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. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsDigital Banking transactions, telephone us at the following number phone number, or send write to us a written notice at the address set forth above in the “How to the following address Contact Us” section as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us(If the error is related to a Mobile Deposit transaction, or write us, at refer to Mobile Deposit Service section for details. You only have thirty (30) days after we sent the number or address of your Credit Union home branch using first statement on which the branch contact information on the last page problem appears to report a Mobile Deposit Service error. The rest of this agreementsection does not apply to Mobile Deposit transactions. 1. ) • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • Tell us the dollar amount of the suspectederror. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) business calendar days. We will tell you the results of our investigation determine whether an error occurred within ten (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 forty-five (45) ** calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money funds during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and if we do not receive it within ten (10) business calendar days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give a notice of error involves an error electronic fund transfer that occurred within thirty (30) calendar days after you make the first deposit to your accountthe account was made, we will have the applicable time periods for action shall be twenty (20) business days instead in place of tenten (10) business days. If a notice of error involves an electronic fund transfer that was initiated in a foreign country or occurred within thirty (30) calendar days after the first deposit to the account was made, the applicable time period for action shall be ninety (90) calendar days in place of forty-five

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsInternet Banking transactions, telephone us at the following number phone number, or send write to us a written notice at the address set forth above in the “How to the following address Contact Us” section as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us(If the error is related to a Mobile Deposit transaction, or write us, at refer to Mobile Deposit Service section for details. You only have thirty (30) days after we sent the number or address of your Credit Union home branch using first statement on which the branch contact information on the last page problem appears to report a Mobile Deposit Service error. The rest of this agreementsection does not apply to Mobile Deposit transactions. 1. ) • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) business calendar days. We will tell you the results of our investigation determine whether an error occurred within ten (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 forty-five (45) ** calendar days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money funds during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and if we do not receive it within ten (10) business calendar days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give a notice of error involves an error electronic fund transfer that occurred within thirty (30) calendar days after you make the first deposit to your accountthe account was made, we will have the applicable time periods for action shall be twenty (20) business days instead in place of tenten (10) business days. If a notice of error involves an electronic fund transfer that was initiated in a foreign country or occurred within thirty (30) calendar days after the first deposit to the account was made, the applicable time period for action shall be ninety (90) calendar days in place of forty-five (45) calendar days. 1) If you want to preserve your rights under the Act, here’s what to do if you think your statement of loan account is wrong or if you need more information about an item: Write on the statement of account or other sheet of paper (you may telephone your inquiry but doing so will not preserve your rights under this law) the following: • Your name and account number. • A description of the error and explanation (to the extent you can explain) why you believe it is an error. • The dollar amount of the suspected error. • Any information (such as your address) which you think will help the Credit Union to identify you or the reason for your complaint or inquiry. Send your notice of statement error to the address listed under the “How to Contact Us” section above. Mail it as soon as you can, but in any case, early enough to reach the Credit Union within 60 days after you received your paper statement (if it was mailed to you) or the electronic notification that your E-Statement was ready (if you are enrolled in the E-Statement Service). 2) The Credit Union must acknowledge all letters pointing out possible errors within 30 days of receipt, unless the Credit Union was able to correct your statement during that 30 days. Within 90 days after receiving your letter, the Credit Union must either correct the error or explain why the Credit Union believes that statement was correct. Once the Credit Union has explained the statement, the Credit Union has no further obligation to you even though you still believe that there is an error, except as provided in paragraph 5 below. 3) After the Credit Union has been notified, neither the Credit Union nor an attorney nor a collection agency may send you collection letters or take other collection action with respect to the amount in dispute, but periodic statements may be sent to you, and the disputed amount can be applied against your credit limit. You cannot be threatened with damage to your credit rating or sued for the amount in question, nor can the disputed amount be reported to a credit bureau or to other creditors as delinquent until the Credit Union has answered your inquiry. However, you remain obligated to pay the parts of your outstanding balance not in dispute. 4) If it is determined that the Credit Union has made a mistake on your statement, you will not have to pay any finance charges on any disputed amount. If it turns out that the Credit Union has not made an error, you will have to pay finance charges on the amount in dispute, and you will have to make up any missed minimum or required payments on the disputed amount. Unless you have agreed that your statement was correct, the Credit Union must send you a written notification of what you owe. 5) If the Credit Union’s explanation does not satisfy you and you notify the Credit Union within 10 days after you receive its explanation that you still refuse to pay the disputed amount, the Credit Union may report you to credit bureaus and other creditors and may pursue regular collection procedures. But the Credit Union must also report that you think you do not owe the money, and the Credit Union must let you know to whom such reports were made. Once the matter has been settled between you and the Credit Union, the Credit Union must notify those whom the Credit Union reported you to as delinquent of the subsequent resolution. 6) If the Credit Union does not follow the rules, the Credit Union is not allowed to collect the first $50 of the disputed amount and finance charges, even if the statement turns out to be correct.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsfund transfers, telephone us at the following number ▇▇▇- ▇▇▇-▇▇▇▇ or toll-free ▇▇▇-▇▇▇-▇▇▇▇ and send us a written notice to the following address as soon as you cannotice. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem prob- lem appears. Call us, or write us, at the number or address of In your Credit Union home branch using the branch contact information on the last page of this agreement. 1. notice: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 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 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 investi- gation 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 questionquestion (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 credit recredit your account within ten (10)* ) business days (five (5) business days for Visa Check 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 investigationinves- tigation. If we ask you to put your complaint or question in writing and we do not receive re- ceive it within ten (10) business days, we may not credit recredit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclu- sion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents that we extent possible without violating other members’ rights to privacy) used in our investigation. * If you give notice of an conclusion that the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market savings and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call usus at: (▇▇▇) ▇▇▇-▇▇▇▇, or write usto: COMMUNITY 1ST CREDIT UNION, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇. 1, Ottumwa, IA 52501. • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone or write us at the following number or send us a written notice to the following address as soon as you can. possible: 801–627–8700 800–331–7549 Wasatch Peaks Credit Union • ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ • Ogden, UT 84403 We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement.: 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 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. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit recredit your account within ten (10)* ) business days five (5) business days for VISA 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 credit recredit your account. We For transactions initiated outside the United States and point-of-sale transactions, we will tell have ninety (90) calendar days instead of forty-five (45) business days, to investigate your complaint or question. If we decide after our investigation that an error did not occur, we will deliver or mail you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members’ rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsfund transfers, telephone us at the following number or ▇▇▇-▇▇▇-▇▇▇▇ and send us a written notice to the following address as soon as you cannotice. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of In your Credit Union home branch using the branch contact information on the last page of this agreement. 1. notice:  Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3.  Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information.  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 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 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 (45) ** days to investigate your complaint or questionquestion (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 credit recredit your account within ten (10)* ) business days (five (5) business days for VISA Check 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 credit recredit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents that we extent possible without violating other members’ rights to privacy) used in our investigation. * If you give notice of an conclusion that the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market savings and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or us at: (▇▇▇) ▇▇▇-▇▇▇▇ Or write us, at the number or address of your to: KEMBA Roanoke Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. – ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ – ▇▇▇▇▇, ▇▇ ▇▇▇▇▇ – FAX (▇▇▇) ▇▇▇-▇▇▇▇ • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. number • Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days to investigate the error. **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market savings and loan checking accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, your local branch: Crestwood Community (▇▇▇) ▇▇▇-▇▇▇▇; Kensington Valley Community (▇▇▇) ▇▇▇-▇▇▇▇; Municipal & Health Services (▇▇▇) ▇▇▇-▇▇▇▇; OKE Financial (▇▇▇) ▇▇▇-▇▇▇▇; St ▇▇▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇; WySouth (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: Affinity Group Credit Union home branch using the branch contact information on the last page of this agreement. 1▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. Pontiac, MI 48342 - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union credit union has made an error or why you need more information. - 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. us at: - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address shown on the front of this disclosure as soon as you cancan 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 sixty (60) days after we sent the FIRST first statement on which the problem or error appears. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇; (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: CommStar Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Elyria, Ohio 44035 • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your SavingsBill Pay transactions, Checking, Money Market and loan accounts, contact us by: telephone at the phone numbers; E-mail at our E-mail address; or write us at the following number or send us a written notice to the following address set forth in Section 8 as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2b. Describe the transaction you are unsure about and explain as clearly as you can. If you believe it is an error or why you need more information. c. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your 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 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 (45) ** calendar days to investigate your complaint or questionquestion (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10)* ) business days (twenty (20) business days if the suspected error occurred outside the United States or if it occurred at a merchant location for the purchase of goods) 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 re-credit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members’ rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, us at: Call: ▇▇▇.▇▇▇.▇▇▇▇ or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement800.762.3543 Email: ▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇. 1. ▇▇▇ Tell us your name and account number. 2. Write to: Space City Credit Union ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇. Houston, TX 77003 F: 713.222.2604 Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the credit union has made an error or why you need more information. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your 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 error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market savings and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10)* business days for the amount you think is in error, 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 provisionally credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of- sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error. NOTE: If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will provisionally credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive provisionally credit within ten (10) business days.

BILLING ERRORS. ‌ In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsEFTs, telephone us at the following number or ▇▇▇- ▇▇▇-▇▇▇▇ and send us a written notice to the following address as soon as you cannotice. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of In your Credit Union home branch using the branch contact information on the last page of this agreement. 1. notice: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint 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 questionquestion (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 credit your recredit the account within ten (10)* ) business days (five (5) business days for MasterCard 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 credit your recredit the account. We will tell you the results within three (3) business days of completing our investigation. If we decide after our investigation that there was no erroran error did not occur, we will send deliver or mail to you a written explanation. You may ask for copies an explanation of the documents that we used in our investigation. * If you give notice of an error findings within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenthree

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 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. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit recredit your account within ten (10)* ) business days (five (5) business days for VISA Check Card purchases) 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 do put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit recredit your account. We will tell you For transactions initiated outside the results within three (3) business days United States and point of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your accountsale transactions, we will have twenty (20) business days instead of tenten (10) business days, and ninety (90) calendar days instead of forty-five (45) business days, unless otherwise required by law, to investigate your complaint or question. 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 (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.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your SavingsVISA Check Card transactions, Checking, Money Market and loan accounts, please telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appearsor error appeared. Call us(979)-836- 1691 or ▇-(▇▇▇)-▇▇▇-▇▇▇▇, 8 a.m. to 4 p.m. central time on business days or write usto us at Germania Credit Union, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1Attn: Card Services, PO Box 645 Brenham, TX 77834. • Tell us your name and account Account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union credit union has made an error or and why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** 45 days to investigate your complaint or question. If we decide to do this, we will credit your account Account within ten (10)* 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. For Check Card (signature- based) transactions, we will credit your Account within five business days for the amount you think is in error unless we determine that the circumstances or your Account history warrants a delay of up to 10 business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your accountAccount. 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. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In case of errors or questions about electronic funds transfers transfer from your Savings, Checking, Money Market share and loan share draft accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your Write to: Local 41 IBEW Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. Tell ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇ Please provide us with your name and account number. 2. Tell us the dollar amount of the suspected error. 3. *Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. *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 ten (10) business days. We will tell you the results of our investigation within with ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsfund transfers, telephone us at the following number or ▇▇▇-▇▇▇-▇▇▇▇ and send us a written notice to the following address as soon as you cannotice. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of In your Credit Union home branch using the branch contact information on the last page of this agreement. 1. notice: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 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 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 investi- gation 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 questionquestion (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 credit recredit your account within ten (10)* ) business days (five (5) business days for Visa 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 investigationinves- tigation. If we ask you to put your complaint or question in writing and we do not receive re- ceive it within ten (10) business days, we may not credit recredit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclu- sion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents that we extent possible without violating other members’ rights to privacy) used in our investigation. * If you give notice of an conclusion that the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers transfer from your Savings, Checking, Money Market share and loan share draft accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your Write to: Local 41 IBEW Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. Tell ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇ Please provide us with your name and account number. 2. Tell us the dollar amount of the suspected error. 3. *Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. *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 ten (10) business days. We will tell you the results of our investigation within with ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * (*If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business day instead of ten (10) business days.) (**If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of tenforty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market savings and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: ▇▇▇▇▇▇▇▇ Employees Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. Executive Campus #▇, ▇▇▇▇▇ ▇▇▇ Cherry Hill, NJ 08002 Fax: (▇▇▇) ▇▇▇-▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. The following billing error provisions apply only to single and multiple party accounts and not to business member accounts. In case cases of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account numbernumber (if any). 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic error or the transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 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 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 (45) ** calendar days to investigate your complaint or question; ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States. If we decide to do this, we will re-credit your account within ten (10)* ) business days (five (5) business days for VISA Check Card POS purchase transactions) for the amount you think is in error, so that you will have the use of the money during the same 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, days we may not credit recredit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members’ rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market savings and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call usus at: (▇▇▇) ▇▇▇-▇▇▇▇, (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: WESTconsin Credit Union home branch using the branch contact information on the last page of this agreement. 1. PO Box 160 Menomonie, WI 54751 - Tell us your name and account number. 2. - Describe the electronic 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. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)** business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error occurring within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) may take up to 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error occurring within 30 days after you make the first deposit to your account, notice of an error involving a pointof- sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we may take up to 90 days instead of 45 days to investigate the error. Additionally, for errors occurring within 30 days after you make the first deposit to your account, we may take up to 20 business days instead of ten (10) business days to credit your account.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market and loan accountsshare accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST first statement on which the problem appears. Contact us as follows. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. us at: - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of ten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error. NOTE: If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market share and loan share draft accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement.the 1. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your 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 error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale (POS), or foreign-initiated transactions (transactions initiated outside the U.S. and its possessions and territories), we may take up to ninety (90) days to investigate your complaint or question. For new accounts (the first thirty (30) days after you make the initial deposit to your account), we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement.us at: 1. 855.PSFCU.4U (▇.▇▇▇.▇▇▇.▇▇▇▇) (calls within US) (▇▇▇) ▇▇▇-▇▇▇▇ (international calls) Monday through Friday from 8:00 a.m. to 8:00 p.m. EST Saturday from 8:00 a.m. to 4:00 p.m. EST or write to: PSFCU Operations Center ▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we we’ve sent the FIRST first statement on which the problem appears. Call us at: Call us, or write us, at the number or address of your : During Credit Union home branch using the branch contact information on the last page of this agreement. 1. Hours: (▇▇▇) ▇▇▇-▇▇▇▇, option 6 (▇▇▇) ▇▇▇-▇▇▇▇, option 6 (Toll Free) Or Write to: HOCU Attn: Support Operations PO Box 235862 Honolulu, HI 96823-3515 • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. If you tell • Tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysthe dollar amount of the suspected error. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: Honolulu Fire Department Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1▇▇▇▇ ▇. ▇▇▇▇▇▇ ▇▇. ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market savings and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ or write usto: WESTconsin Credit Union, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, Menomonie, WI 54751 • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accountsEFTs, telephone us at the following number ▇▇▇-▇▇▇-▇▇▇▇ or toll free at ▇▇▇-▇▇▇-▇▇▇▇ and send us a written notice to the following address as soon as you cannotice. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of In your Credit Union home branch using the branch contact information on the last page of this agreement. 1. notice: • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your 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 error promptly. For 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 investi- gation 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 questionquestion (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 credit your recredit the account within ten (10)* ) business days (five (5) business days for MasterCard 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 credit your recredit the account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclu- sion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents that we extent possible without violating other members’ rights to privacy) used in our investigation. * If you give notice of an conclusion that the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savingsshare and share draft accounts, Checking, Money Market and loan accountsor if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address 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. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: Sioux Falls Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. PO Box 5735 Sioux Falls, SD 57117-5735 - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, or us at: (▇▇▇) ▇▇▇-▇▇▇▇ Or write us, at the number or address of your to: Thornapple Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ o Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. o Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe that the Credit Union has made an error or why you need more information. o 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 ten (10) 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. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. We will determine whether an error has occurred within 10 business days after we hear from you and we will provisionally correct the error promptly, or if the correction is in an amount different than the alleged error, we will explain the reason for the difference. We may take up to 45 days to investigate your inquiry. Our provisional credit to your account, within 10 business days for the amount you think is in error, allows you to use the money during the time it takes us to complete our investigation. If the error involves a new account (opened in the last 30 calendar days), we may take up to 20 business days to complete our investigation. If the error involves a new account, debit card transaction, or foreign transaction, and we cannot complete our investigation within 10 days, we may take up to 90 days to complete the investigation. If we cannot complete our investigation on a new account within 10 business, we may take 20 days to provisionally credit your account. We will tell you the results in writing within three (3) business days of after completing our investigation. If we decide that there was no erroran error did not occur, we will send you a written explanationexplanation and we may charge back the corrected amount to your account within 60 days of our notice to you. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your accountrequest, we will have twenty provide you copies of documents (20to the extent possible without violating other members’ rights to privacy) business days instead of tenrelied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savingssavings and checking accounts, Checking, Money Market and loan accountsor if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address 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. Call usus at: (▇▇▇) ▇▇▇-▇▇▇▇, fax: (▇▇▇) ▇▇▇-▇▇▇▇ or write usto: Sun Federal Credit Union, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1Attn: Operations ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. number Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. 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 ten (10) business days. We will tell you the results of our investigation determine if an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, us at: Call: ▇▇▇.▇▇▇.▇▇▇▇ or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement800.762.3543 Email: ▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇. 1. ▇▇▇ Tell us your name and account number. 2. Write to: Space City Credit Union ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇. Houston, TX 77003 F: 713.222.1246 Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the credit union has made an error or why you need more information. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your 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 error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about the transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, or us at: ▇▇▇-▇▇▇-▇▇▇▇ Or write us, at the number or address of your to: Public Service Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ Middlesex, NJ 08846 Fax: (▇▇▇) ▇▇▇-▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market savings and loan check- ing accounts, telephone us at the following number or send us a written notice to the following address 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. Call Please contact us, or : Phone: (▇▇▇) ▇▇▇-▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ Or write us, at the number or address of your to: Partner Colorado Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. : Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. 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 writ- ing within ten (10) business days. We will tell you the results of our investigation within ten (10)* 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* 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 question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. As part of our investigation we may require you to complete an affidavit and/or file a police report. Failure to comply with our request may increase your liability. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of ten10 busi- ness days. If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have 90 days instead of 45 days to investigate. If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within 5 business days unless we determine that the circumstances or your account history war- rant a delay, in which case you will receive credit within 10 business days. All credits are considered provisional until such time you are notified they are final or until our resolution time has transpired.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savingsregular share, Checking, Money Market share draft checking and loan money market share accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or us at: Or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. to:  Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3.  Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.  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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error explanation within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenthree

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your SavingsOnline Banking, Checking, Money Market and loan accountsMobile Banking or ▇▇▇▇ Pay transactions, telephone us at the following number phone number, email or send write to us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 ten (10) business calendar days. We will tell you the results of our investigation within ten (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 forty-forty- five (45) ** days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10)* ) business days for the amount you think is in error, so that you will have the use of the money funds 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 re-credit your account. We will tell you For transactions initiated outside the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your accountUnited States, we will have twenty (20) business days instead of tenten (10) business days, and ninety (90) calendar days instead of forth-five (45) calendar days, unless otherwise required by law, to investigate your complaint or question.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market savings and loan checking accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your 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 error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market and loan accountssavings or checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST first statement on which the problem appears. Call us, or us at: (▇▇▇) ▇▇▇-▇▇▇▇ Or write us, at the number or address of your to: Northwest Missouri Regional Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of ten

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savingstransfers, Checkingtelephone, Money Market and loan accountsemail to ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, telephone or write us at the following number or send us a written notice to the following address as soon as you canpossible: America First Federal Credit Union, ▇.▇. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ or call: ▇▇▇▇▇ County: 627-0900 ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇: ▇▇▇-▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇: 223-3900 Outside these counties: ▇-▇▇▇-▇▇▇-▇▇▇▇ We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. 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 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. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit recredit your account within ten (10)* ) business days (five [5] business days for Visa 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 credit recredit your account. We For transactions initiated outside the United States and point-of-sale transactions, we will tell have ninety (90) calendar days instead of forty-five (45) business days to investigate your complaint or question. If we decide after our investigation that an error did not occur, we will deliver or mail you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members' rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers (EFTs) from your Savings, Checking, Money Market share and loan share draft accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement.Contact us at: 1. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. 3. 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tentwenty

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountschecking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: Diversified Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)1O) * business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)) * business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point- of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number or send write to us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. b. Describe the transaction you are unsure about, and clearly explain why you believe it is an error or why you need more information. c. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. If you tell us orally, we may require that you send us your complaint or question questions 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 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 (45) ** calendar days to investigate your complaint or questionquestion (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10)* ) business days (five (5) business days for VISA debit card purchase 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 credit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members’ rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth in this Agreement as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer transaction you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 ten (10) business days. We will tell you the results of our investigation within ten (10)* ) business days (five (5) business days for Check Card Purchases) after we hear from you and will correct any error promptly. For 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 (45) ** calendar days to investigate your complaint or questionquestion (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We For transactions initiated outside the United States, we will tell have ninety (90) calendar days instead of forty-five (45) business days, unless otherwise required by law, to investigate your complaint or question. If we decide after our investigation that an error did not occur, we will deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other mem- bers’ rights to privacy) relied upon to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address shown on the front of this disclosure as soon as you cancan 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 sixty (60) days after we sent the FIRST first statement on in which the problem or error appears. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇; (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: CommStar Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Elyria, Ohio 44035 • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, us at: ▇▇▇-▇▇▇-▇▇▇▇ ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us, at the number or address of your to: InvesTex Credit Union home branch using the branch contact information on the last page of this agreement. 1. ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ Rd Houston, TX 77032 Fax: ▇▇▇-▇▇▇-▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, us at: ▇▇▇-▇▇▇-▇▇▇▇ ▇▇▇-▇▇▇-▇▇▇▇ or write us, at the number or address of your to: Industrial Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we we’ve sent the FIRST first statement on which the problem appears. Call us at: Call us, or write us, at the number or address of your : During Credit Union home branch using the branch contact information on the last page of this agreement. 1. Hours: (▇▇▇) ▇▇▇-▇▇▇▇, option 6 (▇▇▇) ▇▇▇-▇▇▇▇, option 6 (Toll Free) Or Write to: HOCU Attn: Support Operations ▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. If you tell • Tell us orally, we may require that you send us your complaint or question in writing within ten (10) business daysthe dollar amount of the suspected error. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market savings and loan checking accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, us at: (▇▇▇) ▇▇▇-▇▇▇▇ or ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. to: Temple-Inland FCU • Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. • 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. We will also have up to ninety (90) days instead of forty-five (45) days to investigate POS or foreign initialed transactions.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following phone number or send write us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer you are unsure about, about and explain as clearly as you can why you believe the Credit Union has made 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 ten (10) business calendar days. We will tell notify you of the results of our investigation within ten (10)* ) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit recredit your account within ten (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 the Bank 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 credit recredit your account. We For errors involving new accounts, point-of-sale, or foreign initiated transactions, we may take up to ninety (90) days to investigate your complaint or questions. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send you a written explanation. You may ask for provide copies of documents (to the documents extent possible without violating other customer’s right to privacy) we relied on to conclude that we used in our investigation. * If you give notice of an the error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tendid not occur.

BILLING ERRORS. In case of errors or questions about electronic funds transfers from your Savings, Checking, Money Market savings and loan checking accounts, telephone us at the following number or send us a written notice to the following address 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. Call us, us at: Phone: (▇▇▇) ▇▇▇-▇▇▇▇ Toll Free: (▇▇▇) ▇▇▇-▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ or write us, at the number or address of your to: Heart O’ Texas Federal Credit Union home branch using the branch contact information on the last page of this agreement▇.▇. ▇▇▇ ▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇ 1. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. 3. 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 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. If we need more time, however, we may take up to forty-five (45) )** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of 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. * ***If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of tenten (10) business days. ***If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

BILLING ERRORS. In case of errors or questions about electronic funds fund transfers from your Savings, Checking, Money Market share and loan accountsshare draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement on which the problem appears. Call us, or us at: (▇▇▇) ▇▇▇-▇▇▇▇ Or write us, at the number or address of your to: Onomea Federal Credit Union home branch using the branch contact information on the last page of this agreement. 1. P.O. Box 19 ▇▇-▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Fax: (▇▇▇) ▇▇▇-▇▇▇▇ - Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. - Describe the electronic transfer you are unsure aboutabout and explain, and explain as clearly as you can can, why you believe the Credit Union has made an error or why you need more information. - 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 ten (10) business days. We will tell you the results of our investigation determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, 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 credit your account. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) 30 days after you make the first deposit to your account, we will have twenty (20) 20 business days instead of tenten (10) business days to investigate the error. ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

BILLING ERRORS. In case Case of errors Errors or questions about electronic funds transfers from your Savings, Checking, Money Market and loan accounts, Questions About Your Electronic Transfers telephone us at the following number ▇▇▇.▇▇▇.▇▇▇▇ or send 800.279.3288, or write us a written notice to the following address at Credit Union of Denver, P.O. Box 261420, Lakewood, CO 80226-9420 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 sixty (60) 60 days after we sent the FIRST statement on which the problem appearsor error appeared. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1.  Tell us your name and account number. 2number (if any). Tell us the dollar amount of the suspected error. 3.  Describe the electronic error or the transfer you are unsure about, about and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within ten (10) 10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10)* ) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) ** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. 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 twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days of 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. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten.

BILLING ERRORS. In For consumer accounts, in case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. a. Tell us your name and account number. 2. Tell us the dollar amount of the suspected error. 3. b. Describe the electronic transfer you are unsure about, about and explain as clearly as you can why you believe the Credit Union has made 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 ten (10) business calendar 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 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 (45) ** calendar days to investigate your complaint or question, (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transaction initiated outside the United States). If we decide to do this, we will credit your account within ten (10)* ) business days (five (5) business days for VISA debit card purchase 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 credit your account. We will tell you the results within three (3) business days of after completing our investigation. If we decide after our investigation that there was no erroran error did not occur, we will send deliver or mail to you a written explanation. You may ask for copies an explanation of our findings within three (3) business days after the documents that we used in conclusion of our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your accountrequest, we will have twenty provide you copies of documents (20to the extent possible without violating other members’ rights to privacy) business days instead of tenrelied upon to conclude that the error did not occur.

BILLING ERRORS. In case of errors or questions about your electronic funds transfers from your Savings, Checking, Money Market and loan accountstransfers, telephone us at the following number phone numbers or send write us a written notice to at the following address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST first statement on which the problem appears. Call us, or write us, at the number or address of your Credit Union home branch using the branch contact information on the last page of this agreement. 1. • Tell us your name and account number. 2number (if any). Tell us the dollar amount of the suspected error. 3. • Describe the electronic transfer error or transaction you are unsure about, questioning and explain as clearly as you can why you believe the Credit Union has made it is an error or why you need more information. • 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 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 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 (45) ** calendar days to investigate your complaint or question; ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States. If we decide to do this, we will re-credit your account within ten (10)* ) business days (five (5) business days for debit purchase 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 re-credit your account. We If we decide after our investigation that an error did not occur, we will tell deliver or mail to you the results an explanation of our findings within three (3) business days after the conclusion of completing our investigation. If we decide that there was no erroryou request, we will send provide you a written explanation. You may ask for copies of documents (to the documents extent possible without violating other members’ rights to privacy) relied upon to conclude that we used in our investigationthe error did not occur. * If you give notice of an error within thirty (30) days after you make the first deposit This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accountdeposit accounts at Washington State Employees Credit Union at this time. The Credit Union may offer other rates or amend the rates contained in this schedule from time to time. For current rates please call ▇▇▇.▇▇▇.▇▇▇▇ or visit ▇▇▇▇▇.▇▇▇. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Consumer Account Agreement. The National Credit Union Administration insures your savings, we will have twenty checking, and certificate accounts with WSECU up to $250,000 on individual accounts and up to $250,000 for Individual Retirement Accounts through the NCUA Share Insurance Fund. For additional information please visit ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇/ Dividend Balance APY12 Rate Requirement Account Limitations Savings 0.16% 0.15% $1.00 Minor Savings 0.16% 0.15% $1.00 Prime Time Savings6 0.16% 0.15% $1.00 No Longer Offered* IRA, ▇▇▇▇, HSA, ESA Savings 0.16% 0.15% $0.00 IRS Limitations Interest Checking 0.05% 0.04% $2,000 No Longer Offered* Money Mover II 0.05% 0.04% - No Longer Offered* Performance Money Market7 Avg Daily Balance 0.75% 0.74% $0 - $9,999.99 0.80% 0.79% $10,000 - $24,999.99 0.90% 0.89% $25,000 - $49,999.99 0.95% 0.94% $50,000 - $99,999.99 1.20% 1.19% $100,000 + Jumbo Money Market7 Avg Daily Balance 0.16% 0.15% $0 - $99,999.99 1.25% 1.24% $100,000 + * Existing accounts still supported CHECKING FEES Balanced Checking $5.00 per month8 Cash Back Check Processing $1.00 per item Cash Back Paper Statement $3.00 per month Courtesy Pay $27.00 per item9 Interest Checking5 $10.00 per month Overdraft Transfer $2.00 per transfer from savings**/*** OTHER SERVICE FEESBearer Bonds/Coupons At Cost Cashier’s Check Stop Payment $10.00 Debit Card Receipt $6.00 per item Inactive Account $5.00 per month11 Legal Processing Fee $50.00 Non-Member Cashier’s Check $6.00 per check Rolled or Machine Coin Fee Trans>$100; 5% of trans amt ATM Adjustment $25.00 per Item Research Fee $25.00 per hour10 Wire Transfers $25.00 Outgoing per item Shared Branch Deposit Copy $6.00 per item Wire Transfers $15.00 Incoming per Item ** Balanced Checking exempt from fee *** Free with Prime Time Savings Refer to ▇▇▇▇▇.▇▇▇ for details 1. Rate Information: The Dividend Rate and Annual Percentage Yield (20APY) business days instead of tenon your accounts are set forth above. The Dividend Rate and APY may change monthly as determined by the Management Pricing Committee.