Common use of ERROR RESOLUTION NOTICE Clause in Contracts

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers or write us at the address set forth in 4a 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. If you tell us orally, we may require that you send us a signed complaint or question in writing within ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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 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. 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth listed in 4a this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction 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. 1. Tell us your name and account number (if any). 2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more Information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation. WORKERS CREDIT UNION ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇, ▇.▇. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at the phone numbers ▇▇▇-▇▇▇-▇▇▇▇ or ▇▇▇-▇▇▇-▇▇▇▇, write us at the address set forth in 4a Alpena Alcona Area Credit Union, Accounting Department, ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇, PO Box 515, Alpena, MI 49707, or e-mail us at ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇ 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 appearsor error appeared. • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. 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. If we decide after our investigation that an error did not occurFor 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation. For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at the phone numbers 989‐356‐3577 or 800‐443‐ 3577, write us at the address set forth in 4a Alpena Alcona Area Credit Union – Accounting Department – ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇ – PO Box 515 – Alpena, MI 49707, or e‐mail us at ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇ 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 appearsor error appeared.  Tell us your name and account number (if any).  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) 3 business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation. For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your y o u r electronic transfers, telephone us at the phone numbers or (▇▇▇) ▇▇▇-▇▇▇▇, write to us at the address set forth in 4a Michigan Legacy Credit Union, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇, or email us at ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, 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 appearsappeared - Tell us your name and account number (if any). - 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. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) 10 calendar days. Provide the following information If we ask you to put your complaint or question in writing and we do not receive it within 14 calendar days, we may not re-credit your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signatureaccount. We will tell you the results of our investigation determine whether an error has occurred within ten (10) 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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 deliver or mail to tell you an explanation of our findings the results in writing within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of Notify the Bank as soon as possible if you see errors on your statement or receipt or if you have questions about your electronic transfers. Also, telephone contact the Bank if you need more information about a transfer listed on your statement or receipt. Telephoning is the best method for limiting your potential losses, but you may notify us at the phone numbers by going to one of our Bank locations or write us at the address set forth in 4a as soon as you canwriting. Telephone: ▇▇▇-▇▇▇-▇▇▇▇ Address: United Bank & Trust Attn: Electronic Banking ▇▇ ▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ 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. Be careful to: (a) Tell us your name and account number (if any). (b) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (c) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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)question. 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. If we decide after our investigation that an error did not occurFor 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. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth listed in 4a this brochure, as soon as you can. We ; if you think your statement of 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 first sent or made available to you the FIRST statement on which the problem appearsor error appeared. • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days for Visa® Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business days for Visa® Debit Card purchase transactionstransactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time that it takes for us to complete our investigation. If we ask you to put your question or complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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 deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation by contacting us using any of the options listed under Contact Member One. More detailed information is available upon request. CLAIM OF LOSS If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including, upon request, whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss. The credit union suggests that you notify law enforcement authorities of any criminal act related to the extent possible claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circum- stances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits of opportunity, or for attorneys’ fees incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these sources. FAILURE TO NOTIFY US OF UNAUTHORIZED TRANSACTIONS If you fail to notify us of any unauthorized transaction, error, or claim for a credit or refund within the time frames specified above, your account statement will be considered correct. We will not be responsible for any unauthorized transaction, error, or claim for transactions included in this statement. STEPS TAKEN AFTER NOTICE OF UNAUTHORIZED ACTIVITY We investigate any reports of unauthorized activity on your account. After you submit a claim, we may request you to: • Complete and return the claim form and any other documents we require, • Cooperate fully with us in our investigation. We can reverse any credit made to your account resulting from a claim of unauthorized transaction if you do not cooperate fully with us in our investigation or recovery efforts, or we determine the transaction was authorized. EFFECTIVE DATE OF NOTICE OF UNAUTHORIZED ACTIVITY Any notice from you is effective once we receive it and have a reasonable opportunity to act on it. PROVISIONAL PAYMENT DISCLOSURE Credit given by the Credit Union to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry. If we do not receive final settlement, we are entitled to charge your account for the amount of provisional credit and applicable returned item fees. NOTICE DISCLOSURE Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give you next day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide you. CHANGE IN TERMS We may change the terms of the Electronic Fund Transfer Disclosure. If you have an account with us through which electronic transactions are being processed, you will receive written notice at least 21 days prior to the effective date of the change(s), or as otherwise provided by law. TERMINATION OF ELECTRONIC FUND TRANSACTION SERVICES Electronic services may be terminated if any of your Credit Union loans that you are primary, joint, borrower, or co-maker on, are in default. You may, by written request, terminate any of the electronic services provided for in this Disclosure. We may terminate your right to make electronic fund transactions at any time upon written notice, except where in our judgment, immediate termination without violating notice is necessary. If you ask us to terminate your account or the use of your Visa Debit Card, or any other members' rights to privacy) relied upon to conclude that the error did not occuraccess device or service, you will remain liable for prior authorized transaction performed on your account.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone call us at the phone telephone numbers provided or write us at the address set forth in 4a listed at the end of this Agreement as soon as possible (see Important Contact Information). You may also securely contact us through our Message Center within SRP Online or SRP Mobile. (For any errors involving a line of credit account, you can. must review your Loan Agreement and Disclosure and/or Visa Credit Card Agreement for a description of your rights.) We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appearsor error appeared. You should provide the following information: 1. Tell us your name and account number (if any). 2. Describe the error or transfer you are unsure about and explain as clearly as you can as to why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us a signed complaint your dispute or question in writing within ten (10) calendar days. Provide business days to the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State address listed on the date and dollar amount contact page contained at the end of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signaturethis Agreement (see Important Contact Information). 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. 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 dispute or question (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States)question. 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) of receiving the error notice, 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 dispute or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your account. If we decide after our investigation that an error did not occurFor errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your dispute 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 deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfersYour Electronic Transfers, telephone us call or write Us at the phone numbers telephone number or write us at the address set forth listed in 4a this brochure, as soon as you 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 You no later than sixty (60) 60 days after we We sent the FIRST statement on which the problem appearsor error appeared. Tell Us Your name and account number (if any). Describe the error or the transfer You are unsure about, and explain as clearly as You can why You believe it is an error or why You need more information. Tell Us the dollar amount of the suspected error. If you You tell us Us orally, we We may require that you You send us a signed Us Your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) business days (20 business days if the transfer involved a new account) after we We hear from you 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 We need more time, however, we 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) calendar days to investigate your 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)question. If we We decide to do this, we We will credit your Your account within ten (10) business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) for the amount you You think is in error, so that you You will have the use of the money during the time it takes us Us to complete our Our investigation. If we We ask you You to put your Your complaint or question in writing and we We do not receive it within ten (10) business days, we We may not credit your Your account. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of You already has an error did not occur, we established account with Us before this account is opened. We will deliver or mail to you an explanation of our findings tell You the results within three (3) business days after the conclusion of our completing Our investigation. If you requestWe decide that there was no error, we We will provide you send You a written explanation. You may ask for copies of the documents that We used in Our investigation. Business Days: Monday through Friday excluding Federal Holidays Phone: (▇▇▇) ▇▇▇-▇▇▇▇ MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST This policy disclosure describes Your ability to withdraw funds at AACFCU. It only applies to the extent possible without violating availability of funds in “transaction accounts” subject to Regulation CC. Generally, transaction accounts are accounts that do not limit the number or types of withdrawals or transfers that may be made from the account. The Credit Union reserves the right to delay the availability of funds deposited to accounts not governed by Regulation CC for periods longer than those disclosed in this policy. Please ask if You have a question about which accounts are affected by this policy disclosure. Our policy is to make funds from Your cash and check deposits available to You on the first business day after the day We receive Your deposit. Electronic direct deposits will be available on the day We receive the deposit. Once the funds are available, You can withdraw them in cash and We will use the funds to pay checks that You have written. Please remember that even after We have made funds available to You, and You have withdrawn the funds, You are still responsible for checks You deposit that are returned to Us unpaid and for any other members' rights problems involving Your deposit. For determining the availability of Your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before closing on a business day that We are open, We will consider that day to privacy) relied upon to conclude be the day of Your deposit. However, if You make a deposit after closing or on a day We are not open, We will consider that the error did not occurdeposit was made on the next business day We are open.

ERROR RESOLUTION NOTICE. In case of errors Email SAVE customer service at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇ or questions about your electronic transfers, telephone us call SAVE customer service at the phone numbers or write us at the address set forth in 4a ▇-▇▇▇-▇▇▇-▇▇▇▇ as soon as you cancan if you think your Account statement or a receipt is wrong or if you need more information about a transfer listed on a statement or receipt. We must hear from you no later than sixty (60) days after we sent send or make available the FIRST Account statement on which the problem appearsor error appeared. When you contact us: 1. Tell us your name and Account number (if any). 2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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)question. If we decide to do this, we will issue a provisional credit to your account Account within ten (10) business days (five (5) business days for Debit Card purchase transactions) of your complaint 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 For errors involving new Accounts, point-of-sale, or foreign-initiated transactions, we ask you may take up to put ninety (90) days to investigate your complaint or question in writing and we do not receive it within ten (10) business daysquestion. For new Accounts, we may not take up to 20 business days to credit your accountAccount for the amount you think is in error. If we decide An Account is considered a new Account for thirty (30) days after our investigation that an error did not occur, we you first deposit funds into your Account. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth listed in 4a this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) 60 days after we sent or made available the FIRST statement on which the problem appearsor error appeared. (1) Tell us your name and account number (if any); (2) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days for Visa® debit card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business days for Debit Card purchase transactionsVisa® debit card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) 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. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. Timeframes described herein may be different if your error or question does not claim unauthorized activity. You may ask for copies of the documents that we used in our investigation by calling any of the phone numbers listed below. CUSTOMER SERVICE ▇.▇. ▇▇▇ ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇ (to the extent possible without violating other members' rights to privacy▇▇▇) relied upon to conclude that the error did not occur.▇▇▇-▇▇▇▇ – Vectra Bank Colorado (800) 789-BANK(2265) – Zions First National Bank

ERROR RESOLUTION NOTICE. In case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers, telephone Call or Write us at the phone numbers telephone number or write us at the address set forth listed in 4a this Agreement, 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. 1) Tell us your name and Account number (if any). 2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature10 Business Days. We will tell you determine whether an error occurred within 10 Business Days (20 Business Days if the results of our investigation within ten (10transfer involved a new Account) 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 forty45 days (90 days if the transfer involved a new Account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten 10 Business Days (10) business days (five (5) business days for Debit Card purchase transactions20 Business Days if the transfer involved a new Account) 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 days10 Business Days, we may not credit your accountAccount. Your Account is considered a new Account for the first 30 days after the first deposit is made, unless each of you already has an established Account with us before this Account is opened. We will tell you the results within three Business Days after completing our investigation. If we decide after our investigation that an error did not occurthere was no error, we will deliver or mail to send you an explanation a written explanation. You may ask for copies of our findings within three (3) business days after the conclusion of documents that we used in 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.:

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, transfers telephone us at the phone numbers ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us at the address set forth in 4a ▇▇▇ ▇▇▇▇▇▇ ▇▇., ▇.▇. Box 9, Nekoosa, WI 54457 as soon as you can. We Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must hear from you contact us no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem or error appears. If you tell us orally, we may require that you send us a signed complaint or question in writing within ten (10) calendar days. Provide You must be prepared to provide the following information in your written communication: a. Include your name, address, telephone number, information: • Your name and account number, and Card number for a disputed Card transaction. b. State ; • A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information; • Tell us the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item provide oral notice, you are not sure about. d. Include will be required to send us your signaturecomplaint or question in writing within 10 business days. We will tell you the results of our investigation determine whether an error occurred within ten 10 business days (10twenty (20) business days for new accounts) 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 (ninety (90) days for new accounts and foreign initiated or Point-of-Sale transfers) 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)question. If we decide to do this, we will credit your account within ten (10) business days (five twenty (520) business days for Debit Card purchase transactionsnew accounts) 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. If The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. VISA’s® cardholder protection policy requires that we decide after our investigation that an error did not occur, we provide provisional credit for losses from unauthorized VISA® Check Card use within five (5) business days of notification of the loss. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone or if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, call us at the phone numbers ▇▇▇-▇▇▇-▇▇▇▇ or write us at Denver Community Credit Union, ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ or use the address set forth in 4a contact information on your statement as soon as you can. We must hear from you no later than sixty (60) 60 calendar days after we sent the FIRST statement on which the problem appearsor error appeared. a. Tell us your name, address, telephone number, member/account number, and card number for a disputed transaction involving a card. b. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error. If you need more information, describe the item you are unsure about. c. Tell us the dollar amount and date of the suspected error. d. Include your signature. e. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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 promptly 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 dayserror. If we need more time, however, we may take up to forty-five (45) 90 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). question. f. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing 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. g. In case of errors or questions about your transaction write or call us at: Denver Community Credit Union ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ h. If you discover that you card has been lost or stolen after business hours please call: Visa Credit Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ Visa Debit Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ ATM Access Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth in 4a listed at the end of this agreement, 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 first statement on which the problem appearsor error appeared. ● Tell us your name and account number (if any). ● Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. ● Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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 point­of­sale 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. 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 (4590 days if the transfer involved a new account, a point­of­sale transaction, or a foreign­initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business day if involving a Visa point­of­sale transaction processed by Visa or 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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. 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 An account is considered a new account for 30 days after the conclusion first deposit is made, if you are a new member. You may ask for copies of the documents that we used in 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth in 4a listed below, 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) 60 days after we sent the FIRST statement on which the problem appearsor error appeared. • Tell us your name and account number • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information • Tell us the dollar amount of the suspected error If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days if the alleged error involved 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. 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do thiswe need more time, we will credit your account within ten (10) 10 business days (five (5) 5 business days for Debit Card purchase transactionsif involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) 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. If we decide An account is considered a new account for 30 days after our investigation that an error did not occurthe first deposit is made, we if you are a new customer. We will deliver or mail to tell you an explanation of our findings the results within three (3) 3 business days after the conclusion of completing our investigation. If you requestwe decided that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth in 4a listed at the end of this agreement, 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 first statement on which the problem appearsor error appeared. ● Tell us your name and account number (if any). ● Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. ● Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business day if involving a Visa point-of-sale transaction processed by Visa or 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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. 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 An account is considered a new account for 30 days after the conclusion first deposit is made, if you are a new member. You may ask for copies of the documents that we used in 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.

ERROR RESOLUTION NOTICE. In case cases of errors or questions about your electronic transferstransfers from you share and share draft accounts or if you need more information about a transfer or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at written notice to the following address set forth in 4a 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 at: • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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)questions. If we decide to do this, we will credit your account within ten (10) day business days (five (5) business days for Debit Card purchase transactions) 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. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents 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 20 business days instead of ten (10) business days to investigate the extent possible without violating other members' rights error. **If you give us notice of an error within 30 days after you make the first deposit to privacyyour account, notice of error involving a point-of-sale (POS) relied upon transaction, or notice of an error involving a transaction initiated outside of the U.S., its possessions and territories, we will have 90 days instead of 45 days to conclude that investigate the error did not occurerror.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers call us at: 844-4TRUIST (844-487-8478) Or write: Truist Online Banking Support P.O. Box 1014 Charlotte, telephone us at the phone numbers or write us at the address set forth in 4a NC 28201Contact Truist as soon as you cancan if you think your statement or information regarding a transaction is wrong or you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent the FIRST first statement on which the problem appearsor error appeared. When contacting Truist regarding an error resolution, please be prepared to communicate the following information: (i) Your name and Social Security number or tax identification number. (ii) The error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (iii) The dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurthere was no error, we will deliver or mail to send you an a written explanation of our findings within three (3) 3 business days after the conclusion of we finish our investigation. If you request, we will provide you You may ask for copies of the documents that we used in our investigation. Send money with ZELLE® The terms and conditions set forth in the section below (the “Zelle Agreement”) apply only to transfers made using Zelle. In the extent possible without violating event of conflict between the Zelle Agreement and other members' rights terms within the Agreement, the Zelle Agreement takes precedence with respect to privacyZelle transactions. (a) relied upon to conclude that the error did not occur.Description of Zelle Services

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers or your statements or receipts, telephone us at the phone numbers or write us at the address set forth in 4a as soon as you can. Our address and telephone number are listed previously. We must hear from you no later than sixty (60) 60 days after we sent send the FIRST statement on which the problem appearsor error appeared. • Tell us your name and Account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your nameGenerally, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We 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. 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) 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)question. If we decide to do this, we will credit recredit your account Account within ten (10) 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 writing, and we do not receive it your complaint or question in writing within ten (10) 10 business days, we may choose not to credit your accountAccount. For POS transactions and for transactions that were initiated in a foreign country, the investigation period is extended to 90 calendar days. If we decide after our you are a new customer to HSA Bank and you place a claim during the first 30 calendar days your Account is open, the investigation that an error did not occur, we period is 90 calendar days and the time period to recredit your Account may be extended to 20 business days. We will deliver or mail to send you an a written explanation of our findings determination within three (3) 3 business days after we finish our investigation. You may ask for copies of the conclusion of documents we used in our investigation. If we have provisionally recredited your Account during the investigation and determine that there was no error, you requestwill be required to return any credit of funds you have received from us. If you do not return the funds, and subject to certain restrictions, we will provide you copies have the right to take the funds out of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occuryour Account.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at the phone numbers 989‐356‐3577 or 800‐443‐ 3577, write us at the address set forth in 4a Alpena Alcona Area Credit Union – Accounting Department – ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇ – ▇▇ ▇▇▇ ▇▇▇ – ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇, or e‐mail us at ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇ 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 appearsor error appeared.  Tell us your name and account number (if any).  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) 3 business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation. For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth listed in 4a this brochure, as soon as you can. We ; if you think your statement of 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 first sent or made available to you the FIRST statement on which the problem appearsor error appeared. • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days for VISA® Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business days for VISA® Debit Card purchase transactionstransactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time that it takes for us to complete our investigation. If we ask you to put your question or complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account.Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.We will tell you the results within three business days after completing our investigation. If we decide after our investigation that an error did not occurthere was no error, we will deliver or mail send you a written explanation. You may ask for copies of the documents that we used in our investigation by contacting us at: Member One Federal Credit Union PO BOX 12288 Roanoke,VA 24024 Business Days: Monday through Friday (excluding Federal Holidays) Phone: (▇▇▇) ▇▇▇-▇▇▇▇ More detailed information is available upon request. An overdraft occurs when you do not have enough funds available in your checking account to you an explanation of our findings within three (3) business days after the conclusion of our investigationcover a transaction. If you requestan item is presented without sufficient funds, we will provide you copies of documents may, at our discretion, pay the item (to creating an overdraft) or return the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occuritem (NSF).

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, immediately telephone us at the phone numbers ▇▇▇.▇▇▇.▇▇▇▇; or write us at the address set forth in 4a as soon as you canInterra Credit Union, Attn: Electronic Service Specialist, ▇.▇. ▇▇▇ ▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem appearsor error appeared. Be sure to: • Tell us your name and account number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us a signed your question or complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation within ten (10) 10 business days (20 business days if the transaction involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction or a foreign initiated transfer) calendar days to investigate your complaint question or question (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States)complaint. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transaction involved a new account) 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 question or complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (we used in our investigation. Your services will remain in effect until terminated by you or us. You may cancel your services at any time by notifying us of your intent to cancel. You may notify us by writing to the extent possible address or calling the number listed above. This cancellation applies only to these services and does not terminate your other accounts and/or services with us. We may terminate your participation in these services for any reason, at any time. Further, the Credit Union may, at its discretion, terminate or suspend these services due to non-use. We will try to notify you in advance, but we are not obligated to do so unless applicable laws require such notice. These services are available only to members in good standing. If at any time we determine that you do not meet our criteria for these services, we may terminate your participation without violating other members' rights notice. The Credit Union will have no liability to privacy) relied upon you whatsoever with regard to conclude that any transaction after the error did not occurdate of termination. Termination of your Interra Bill Pay service will automatically terminate any pending payments.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersYour Electronic Transfers, telephone us at the phone numbers (▇▇▇) ▇▇▇-▇▇▇▇ or write us at the address set forth in 4a 1st Constitution Bank, ▇.▇. ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ 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.  Tell us your name and account number (if any).  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor errors involving new accounts, 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 deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors If you think that your statement or questions receipt is wrong or if you need more information about your electronic transfersa transfer listed on the statement or receipt, telephone us at the phone numbers or write us at the address set forth in 4a as soon as you can. We we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appearsor error appeared. • Tell us your name and Account number (if any). • Describe the error, the transfer or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us a signed your complaint or question in writing within ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signatureBusiness Days. We will tell you the results of our investigation within ten (10) business days Business Days (or twenty (20) Business Days if the transfer involved a new Account) 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), If 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 (or ninety (90) days if the transfer involved a new Account) 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)question. If we decide to do this, we will credit your account Account within ten (10) business days Business Days (five or twenty (520) business days for Debit Card purchase transactionsBusiness Days if the transfer involved a new Account) 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 daysBusiness Days, we may not credit your accountAccount. If we decide Your Account is considered a new account for the first thirty (30) days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this Account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days Business Days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.we used in our investigation. CENTIER BANK ▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇. MERRILLVILLE, INDIANA 46410-6366

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Online or Mobile Banking Transactions, telephone us at the phone numbers call or write us at the telephone numbers or address set forth listed in 4a the Contact Us section (section 16.), below, 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.  Tell us your name and account number, if any.  Describe the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. Applicable consumer accounts only: If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) business days (twenty (20) business days if the transaction involved a new account) 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 (ninety (90) days if the transaction involved a new account, point-of-sale transaction, or was foreign- initiated) 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)question. If we decide to do this, we will credit your account within ten (10) business days (five twenty (520) business days for Debit Card purchase transactionsif the transaction involved a new account) 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. 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.An account is considered a new account for thirty

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone call us at the phone numbers telephone number or write us at the address set forth listed in 4a this notice, 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. - Tell us your name and account number (if any) - Describe the error or the transfer in question and explain as clearly as you can why you believe is 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 a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days for VISA Debit Card Point-of-Sale transactions and 20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business days for VISA Debit Card purchase transactionsPoint-of-Sale transactions and 20 business days if the transfer involved a new account) 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. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt; telephone us at the phone numbers ▇▇▇-▇▇▇-▇▇▇▇ or ▇▇▇-▇▇▇-▇▇▇▇, write us at the address set forth in 4a Alpena Alcona Area Credit Union – Accounting Department – ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇ – PO Box 515 – Alpena, MI 49707, or e-mail us at ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇.▇▇▇ 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 appearsor error appeared.  Tell us your name and account number (if any).  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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. Your account is considered a new account for the first 180 days after the first deposit is made unless each of you already has an established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) 3 business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation. For purposes of these disclosures, our business days are Monday through Friday, federal holidays are excluded.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic fund transfers, telephone call us at the phone numbers ▇-▇▇▇-▇▇▇-▇▇▇▇ (8 am to 5 pm Monday through Friday excluding federal holidays) or write us at the address set forth in 4a First State Bank, PO Box 268, New London, WI 54961, 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 You must hear from you report any error(s) no later than sixty (60) 60 days after we sent mailed or made available electronically to you the FIRST statement on which the problem appearsor error appeared. If • Provide your name and account number (if any). • Describe the error or the transfer you tell us orally, we may require that are unsure about and explain as clearly as you send us a signed complaint can why you believe it is an error or question in writing within ten (10) calendar dayswhy you need more information. • Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe . You may be required to provide your complaint in writing within 10 business days. It will be determined whether an error occurred within 10 business days (five business days for Money (debit) Card Point of Sale transactions by Visa and 20 business days if the error, item in question, or transfer involved a new account) after you have communicated the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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)time is needed, we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we it may take up to forty45 days (90 days if the transfer involved a new account, a Point of Sale transaction, or a foreign-five (45initiated transfer) calendar days to investigate your complaint or question (ninety (90) calendar days for POS transaction errorsIf this option is exercised, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will credit your account will be credited within ten (10) 10 business days (five days for Money (5Debit) Card Point of Sale transactions processed by Visa and 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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 the investigation. If we ask you You may be required to put your complaint or question in writing and we do if it is not receive it received within ten (10) 10 business days, we your account may not credit your accountbe credited. 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 Your account is considered a new account for the first 30 days after the conclusion first deposit is made, unless each of our you already has an established account with us before this account is opened. You will receive the results of the investigation within three business days of completion. If there was no error, you will receive a written explanation. You may ask for copies of the documents that were used in the investigation. If Contact us immediately at ▇-▇▇▇-▇▇▇-▇▇▇▇ (8 am to 5 pm Monday through Friday excluding federal holidays) if you request, we will provide you copies of documents (to the extent possible believe someone has obtained your Access Codes or if someone has transferred or may transfer money from your accounts without violating other members' rights to privacy) relied upon to conclude that the error did not occur.your permission..

ERROR RESOLUTION NOTICE. In case of errors or questions about your y o u r electronic transfers, telephone us at the phone numbers or (▇▇▇) ▇▇▇-▇▇▇▇, write to us at the address set forth in 4a Michigan Legacy Credit Union, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇, or email us at ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, 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 appearsappeared  Tell us your name and account number (if any).  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. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) 10 calendar days. Provide the following information If we ask you to put your complaint or question in writing and we do not receive it within 14 calendar days, we may not re-credit your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signatureaccount. We will tell you the results of our investigation determine whether an error has occurred within ten (10) 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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 deliver or mail to tell you an explanation of our findings the results in writing within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your y o u r electronic transfers, telephone us at the phone numbers or (▇▇▇) ▇▇▇-▇▇▇▇, write to us at the address set forth in 4a Michigan Legacy Credit Union, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇, or email us at ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, 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 appearsappeared - Tell us your name and account number (if any). - 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. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) 10 calendar days. Provide the following information If we ask you to put your complaint or question in writing and we do not receive it within 14 calendar days, we may not recredit your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signatureaccount. We will tell you the results of our investigation determine whether an error has occurred within ten (10) 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 45 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)question. If we decide to do this, we will credit your account within ten (10) with in 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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 deliver or mail to tell you an explanation of our findings the results in writing within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfersYour Electronic Transfers, telephone us call or write Us at the phone numbers telephone number or write us at the address set forth listed in 4a this brochure, as soon as you 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 You no later than sixty (60) 60 days after we We sent the FIRST statement on which the problem appearsor error appeared. Tell Us Your name and account number (if any). Describe the error or the transfer You are unsure about, and explain as clearly as You can why You believe it is an error or why You need more information. Tell Us the dollar amount of the suspected error. If you You tell us Us orally, we We may require that you You send us a signed Us Your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) business days (20 business days if the transfer involved a new account) after we We hear from you 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 We need more time, however, we 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) calendar days to investigate your 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)question. If we We decide to do this, we We will credit your Your account within ten (10) business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) for the amount you You think is in error, so that you You will have the use of the money during the time it takes us Us to complete our Our investigation. If we We ask you You to put your Your complaint or question in writing and we We do not receive it within ten (10) business days, we We may not credit your Your account. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of You already has an error did not occur, we established account with Us before this account is opened. We will deliver or mail to you an explanation of our findings tell You the results within three (3) business days after the conclusion of our completing Our investigation. If you requestWe decide that there was no error, we We will provide you send You a written explanation. You may ask for copies of the documents (that We used in Our investigation. Business Days: Monday through Friday excluding Federal Holidays Phone: ▇▇▇.▇▇▇.▇▇▇▇ MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST This policy disclosure describes Your ability to withdraw funds at All In Credit Union. It only applies to the extent possible without violating availability of funds in “transaction accounts” subject to Regulation CC. Generally, transaction accounts are accounts that do not limit the number or types of withdrawals or transfers that may be made from the account. The Credit Union reserves the right to delay the availability of funds deposited to accounts not governed by Regulation CC for periods longer than those disclosed in this policy. Please ask if You have a question about which accounts are affected by this policy disclosure. Our policy is to make funds from Your cash and check deposits available to You on the first business day after the day We receive Your deposit. Electronic direct deposits will be available on the day We receive the deposit. Once the funds are available, You can withdraw them in cash and We will use the funds to pay checks that You have written. Please remember that even after We have made funds available to You, and You have withdrawn the funds, You are still responsible for checks You deposit that are returned to Us unpaid and for any other members' rights problems involving Your deposit. For determining the availability of Your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before closing on a business day that We are open, We will consider that day to privacy) relied upon to conclude be the day of Your deposit. However, if You make a deposit after closing or on a day We are not open, We will consider that the error did not occurdeposit was made on the next business day We are open.

ERROR RESOLUTION NOTICE. In case of errors or questions about your statement, bill payment service, or electronic transfers, telephone call us at the phone numbers (▇▇▇)▇▇▇-▇▇▇▇ or (▇▇▇)▇▇▇-▇▇▇▇ or write to us at the address set forth in 4a as soon as you canAttn: Customer Service Department, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇ ▇▇ ▇▇▇▇. 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. (1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days for Visa Check card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business days for Debit Card purchase transactionsVisa Check card point-of-sale transactions and 20 business days if the transfer involved a new account) 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. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless you already have an error did not occur, we established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. Please examine your statement promptly and immediately advise us of any errors. If no error is reported within sixty (to 60) days, the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurstatement will be considered correct.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfers, telephone Questions About Your Electronic Transfers Telephone us at the phone numbers ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us at the address set forth in 4a ▇▇▇ ▇▇▇▇▇▇ ▇▇▇., Toms River, NJ, 08753, Attn: Deposit Operations, or E-mail us at ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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. (i) Tell us your name and account number (if any). (ii) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (iii) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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 deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors If you think that your statement or questions receipt is wrong or if you need more information about your electronic transfersa transfer listed on the statement or receipt, telephone us at the phone numbers or write us at the address set forth in 4a as soon as you can. We we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appearsor error appeared. • Tell us your name and Account number (if any). • Describe the error, the transfer or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us a signed your complaint or question in writing within ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signatureBusiness Days. We will tell you the results of our investigation within ten (10) business days Business Days (or twenty (20) Business Days if the transfer involved a new Account) 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), If 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 (or ninety (90) days if the transfer involved a new Account) 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)question. If we decide to do this, we will credit your account Account within ten (10) business days Business Days (five or twenty (520) business days for Debit Card purchase transactionsBusiness Days if the transfer involved a new Account) 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 daysBusiness Days, we may not credit your accountAccount. If we decide Your Account is considered a new account for the first thirty (30) days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this Account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days Business Days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.we used in our investigation. CENTIER BANK ▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇. ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfers, telephone Questions About Your Electronic Transfers Telephone us at the phone numbers ▇▇▇-▇▇▇-▇▇▇▇ or write Write us at the address set forth in 4a Cumberland Federal Bank, ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇., ▇▇ ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ 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. 1. Tell us your name and account number (if any). 2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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 deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY US OR OUR THIRD-PARTY PROVIDER IN TRANSFERRING FUNDS OTHERWISE ARISING FROM OR RELATING TO THIS AGREEMENT WILL BE TO CORRECT ANY ERRORS, BUT IN NO CASE WILL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH OR IN ANY WAY RELATED TO INTERNET SERVICE OR OUR PERFORMANCE HEREUNDER. You agree to the extent possible without violating other members' rights indemnify and hold us harmless from any and all claims, demands, actions, suits, damages, judgments, liabilities, costs and expenses, and attorneys’ fees arising out of or resulting from your use of Internet Service or your breach of any of your obligations under this Agreement. Your obligation to privacy) relied upon to conclude that the error did not occurindemnify us shall survive termination of this Agreement.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone call us at the phone numbers (▇▇▇) ▇▇▇-▇▇▇▇ or (888) 288-3261or write us at the address set forth in 4a Team One Credit Union, Attn: Support Services, ▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇, 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. • Tell us your name and account number (if any) • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error If you tell us orally, we may will require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account open at least 30 days with us before the account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to that we used in our investigation by contacting us at the extent possible without violating other members' rights to privacy) relied upon to conclude that phone number or address shown on the error did not occurfirst page of this disclosure.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Statements, telephone us at the phone numbers call or write us at the telephone number or address set forth in 4a listed above, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent delivery of the FIRST statement on which the problem appearsor error appeared. • Tell us your name and account number (if any). · Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. · Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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 question or complaint or question in writing and we do not receive it within ten (10) 10 business days, we may not credit your account. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (that we used in our investigation. In the event of a dispute, you agree to resolve the dispute according to the extent possible without violating terms and conditions of this Agreement, which shall supersede any and all other members' rights to privacy) relied upon to conclude that the error did verbal agreements or representations made by us or our employees. This Agreement shall not occurbe modified except in writing authorized by LCU.

ERROR RESOLUTION NOTICE. (Consumers Only) In case of errors or questions about your electronic transfers, telephone us : call or write Customer Service at the phone numbers telephone number or write us at the address set forth in 4a listed above 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 a statement or receipt. We must hear from you no later than sixty (60) 60 days after we sent or made available the FIRST statement on which the problem appearsor error appeared. (1) Tell us your name and account number (if any); (2) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days for Visa® debit card point-of-sale transactions 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. 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of- sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business days for Debit Card purchase transactionsVisa® debit card point-of-sale transactions processed by Visa, or 20 business days if the transfer involved a new account) 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. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of owner already had an error did not occur, we established account with us before the affected account was opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. Timeframes described herein may be different if your error or question does not claim unauthorized activity. You may ask for copies of the documents (to that we used in our investigation by calling Customer Service at the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.number listed above. 6.2

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfersEFTs, telephone us at the phone numbers 1-866- ▇▇▇-▇▇▇▇, Monday thru Friday, except holidays, 8:00 AM CST – 6:00 PM CST, or write to us at the address set forth in 4a ▇▇▇▇▇▇▇ Bank, Attn: Disputes, P.O. Box 4952, Springfield, MO 65808 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 appearsor error appeared. When contacting us for such purposes, we ask that you: 1. Tell us your name and Account number (if any). 2. Describe the error or the transfer you are unsure about, and explain as clearlyas you can why you believe 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 a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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)question. If we decide to do this, we will credit your account 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, days we may not credit your accountAccount. For errors involving new Accounts (an Account is considered to be a new Account for the first thirty days after opening or funds are deposited into the Account, whichever occurs later), or foreign-initiated transactions, we may take up to ninety days to investigate your complaint or question. For new Accounts, we may take up to twenty business days to credit your Account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide after our investigation that an error did not occurthere was no error, we will deliver or mail to send you an explanation a written explanation. You may ask for copies of our findings within three (3) business days after the conclusion of documents that we used in 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.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfers, telephone Questions About Your Electronic Transfers Telephone us at the phone numbers ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us at the address set forth in 4a ▇▇▇ ▇▇▇▇▇▇ ▇▇▇., Toms River, NJ, 08753, Attn: Deposit Operations, or E-mail us at ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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. (1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor 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 deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us Bank at the phone numbers ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us Bank at the address set forth in 4a ▇▇▇ ▇. ▇▇▇▇ Blvd. Pharr, Texas 78577 (Attn: Customer Service) as soon as you cancan if you think your Account statement is wrong or if you need more information about a transfer listed on the statement. We Bank must hear from you no later than sixty (60) days after we sent Bank FIRST made the FIRST statement on which available to you that contains the problem appearsor error. a. Tell Bank your Name and Account Number. b. Describe the error of the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. c. Tell Bank the dollar amount of the suspected error. If you tell us Bank orally, we Bank may require that you send us a signed Bank your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is Bank will determine whether an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation error occurred within ten (10) business days Business Days after we hear Bank hears 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 Bank needs more time, however, we Bank 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)question. If we decide Bank decides to do this, we Bank will provisionally credit your account within ten (10) business days (five (5) business days for Debit Card purchase transactions) 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 Bank to complete our its investigation. If we ask Bank asks you to put your complaint or question in writing and we do Bank does not receive it within ten (10) business daysBusiness Days, we Bank may not have to provisionally credit your account. If we decide after our investigation that an error did not occurFor errors involving new Accounts, we Bank may take up to ninety (90) days to investigate your complaint or question and up to twenty (20) Business Days to provisionally credit your Account for the amount you think is in error. Bank will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of our completing its investigation. If Bank decides that there was no error, Bank will send you request, we will provide you a written explanation and debit Your Account for the amount in question if Bank previously credited it with provisional credit. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurBank used in its investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers or your statements or receipts, telephone us at the phone numbers or write us at the address set forth in 4a as soon as you can. Our address and telephone number are listed previously. We must hear from you no later than sixty (60) 60 days after we sent send the FIRST statement on which the problem appearsor error appeared. Tell us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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)Generally, we will tell you the results of our investigation within twenty (20) 10 business daysdays after we receive the confirmation from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 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)question. If we decide to do this, we will credit recredit your account within ten (10) 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 writing, and we do not receive it your complaint or question in writing within ten (10) 10 business days, we may choose not to credit your account. For POS transactions and for transactions that were initiated in a foreign country, the investigation period is extended to 90 calendar days. If we decide after our you are a new customer to HSA Bank and you place a claim during the first 30 calendar days your account is open, the investigation that an error did not occur, we period is 90 calendar days and the time period to recredit your account may be extended to 20 business days. We will deliver or mail to send you an a written explanation of our findings determination within three (3) business 3 busi- ness days after we finish our investigation. You may ask for copies of the conclusion of documents we used in our investigation. If we have provisionally recredited your account during the investigation and determine that there was no error, you requestwill be required to return any credit of funds you have received from us. If you do not return the funds, and subject to certain restrictions, we will provide you copies have the right to take the funds out of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occuryour account.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, telephone call us at the phone numbers (▇▇▇) ▇▇▇-▇▇▇▇ or write us at the address set forth in 4a at: ▇▇▇▇ State Bank, ▇.▇. ▇▇▇ ▇▇▇, ▇▇▇▇, ▇▇ ▇▇▇▇▇, 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 send the FIRST statement on which the problem appearsor error appeared.  Tell us your name and account number:  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send provide us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten 10 business days, (10) 20 business days if the transfers involved a new account) after we hear from you and will correct any error errors 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction or a foreign initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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. If we decide An account is considered a new account for the first 30 days after our investigation that an error did not occurthe first deposit is made, we if you are a new Customer. We will deliver or mail to tell you an explanation of our findings the results within three (3) 3 business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may request copies of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude documentation that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone call us at the phone numbers ▇▇▇-▇▇▇-▇▇▇▇ or write us at the address set forth in 4a The Dime Bank, ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇, 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. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business days for Debit Card purchase transactionsif involving a Visa® point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) 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. If we decide An account is considered a new account for 30 days after our investigation that an error did not occurthe first deposit is made, we if you are a new customer. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. For problem resolutions call us at ▇▇▇-▇▇▇-▇▇▇▇ or write to: The Dime Bank, ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇ Our Business days are Monday through Friday – Holidays not included. THE DIME BANK‌ This Policy is a statement of how The Dime Bank will handle customers' overdrafts using our discretionary Payment Privilege Overdraft Protection Program. At any time after this service is made available you may opt out by contacting the bank, via phone at (to the extent possible without violating other members' rights to privacy) relied upon to conclude ▇▇▇-▇▇▇-▇▇▇▇), in person at any one of our branch offices, or in writing at: An overdraft is a situation that the error did not occur.occurs as a result of an insufficient balance in your checking account. An insufficient balance could result in several ways, such as:

ERROR RESOLUTION NOTICE. In case of errors Email Globaling customer service at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇, or questions about your electronic transfers, telephone us at the phone numbers +▇-▇▇-▇▇-▇▇-▇▇-▇▇, or write to us at the address set forth in 4a Globaling, LLC, ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ ▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇ 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 a statement or receipt. We must hear from you no later than sixty (60) days after we sent send or make available the FIRST statement on which the problem appearsor error appeared. When you contact us: 1. Tell us your name and account number (if any). 2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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)question. If we decide to do this, we will issue a provisional credit to your account within ten (10) business days (five (5) business days for Debit Card purchase transactions) of your complaint 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 For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we ask you may take up to put ninety (90) days to investigate your complaint or question in writing and we do not receive it within ten (10) business daysquestion. For new accounts, we may not take up to 20 business days to credit your account for the amount you think is in error. An account is considered a new account for thirty (30) days after you first deposit funds into your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, telephone call us at the phone numbers (▇▇▇) ▇▇▇-▇▇▇▇ or write us at the address set forth in 4a at: ▇▇▇▇ State Bank, ▇.▇. ▇▇▇ ▇▇▇, ▇▇▇▇, IL 61048, 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 send the FIRST statement on which the problem appearsor error appeared.  Tell us your name and account number:  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send provide us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten 10 business days, (10) 20 business days if the transfers involved a new account) after we hear from you and will correct any error errors 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction or a foreign initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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. If we decide An account is considered a new account for the first 30 days after our investigation that an error did not occurthe first deposit is made, we if you are a new Customer. We will deliver or mail to tell you an explanation of our findings the results within three (3) 3 business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may request copies of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude documentation that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, telephone call us at the phone numbers (▇▇▇) ▇▇▇-▇▇▇▇ or write us at the address set forth in 4a at: State Bank of ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇, ▇▇▇▇▇, ▇▇ ▇▇▇▇▇, 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 send the FIRST statement on which the problem appearsor error appeared.  Tell us your name and account number:  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send provide us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten 10 business days, (10) 20 business days if the transfers involved a new account) after we hear from you and will correct any error errors 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction or a foreign initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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 the first 30 days after the first deposit is made, if you are a new Customer. We will tell you the results within 3 business days after completing our investigation. If we decide after our investigation that an error did not occurthere was no error, we will deliver send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may request copies of the documentation that we used in our investigation. We will honor checks (or mail similar instruments payable to you an explanation of our findings within three third parties) and preauthorized transfers from your account without charging overdraft fees for five (35) business days after the conclusion of our investigation. If you requestnotification, we will provide you copies of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude provided that the error did items honored would have been paid if we had not occurdebited the provisionally credit funds.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone or if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, call us at the phone numbers ▇▇▇-▇▇▇-▇▇▇▇ or write us at Zing Credit Union, ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ or use the address set forth in 4a contact information on your statement as soon as you can. We must hear from you no later than sixty (60) 60 calendar days after we sent the FIRST statement on which the problem appearsor error appeared. a. Tell us your name, address, telephone number, member/account number, and card number for a disputed transaction involving a card. b. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error. If you need more information, describe the item you are unsure about. c. Tell us the dollar amount and date of the suspected error. d. Include your signature. e. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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 promptly 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 dayserror. If we need more time, however, we may take up to forty-five (45) 90 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). question. f. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing 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. g. In case of errors or questions about your transaction write or call us at: Zing Credit Union ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ (▇▇▇) ▇▇▇-▇▇▇▇ h. If you discover that you card has been lost or stolen after business hours please call: Visa Credit Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ Visa Debit Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ ATM Access Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇

ERROR RESOLUTION NOTICE. In case of errors error or questions about your electronic transferstransactions (EFTs), telephone please contact your 1st Franklin office. Contact us at the phone numbers or write us at the address set forth in 4a as soon as possible if you canthink your statement contains an error or if you need more information about a payment listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent send you the FIRST statement on in which the problem appearsor error appeared. 1. Tell us your name and loan account number(s). 2. Describe the error or the payment you are unsure about, and explain as clearly as you can why you believe 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 a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (20 business days if your loan account has been open for 30 days or less) 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 (4590 days if the transfer or transaction involved a loan account opened for 30 days or less) 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)question. If we decide to do thisIn this case, we will credit your loan account within ten (10) 10 business days (five (5) 20 business days if your loan account has been open for Debit Card purchase transactions30 days or less) for the amount you think is in error. If we find no error, so that then we will give you will have a written explanation of our findings and, if applicable, charge your account for the use of the money during the time it takes us amount we previously credited to complete our investigationyour account. 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 accountloan account as described above. We will inform you of the results within three business days after completing our investigation. If we decide after our investigation that an error did not occurthere was no error, we will deliver or mail to send you an explanation a written explanation. You may ask for copies of our findings within three (3) business days after the conclusion of documents that support our investigation. If you requestfeel that your error has not been resolved for any reason or that your resolution was unsatisfactory, we will provide you copies of documents please call our Corporate Office at 1-800-282-0709 (to the extent possible without violating other members' rights to privacyGA Only) relied upon to conclude that the error did not occuror ▇-▇▇▇-▇▇▇-▇▇▇▇ (Outside GA) and ask for Branch Administration.

ERROR RESOLUTION NOTICE. In case of Notify the Bank as soon as possible if you see errors on your statement or receipt or if you have questions about your electronic transfers. Also, telephone contact the Bank if you need more information about a transfer listed on your statement or receipt. Telephoning is the best method for limiting your potential losses, but you may notify us at the phone numbers by going to one of our Bank locations or write us at the address set forth in 4a as soon as you canwriting. Address: United Bank & Trust Telephone: ▇▇▇-▇▇▇-▇▇▇▇ Attn: Electronic Banking PO Box 428 Marysville, KS 66508 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. Be careful to: a. Tell us your name and account number (if any). b. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. c. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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)question. 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. If we decide after our investigation that an error did not occurFor errors involving new accounts, point-of-sale, or foreign-initiated transactions, we will deliver may take up to ninety (90) days to investigate your complaint or mail questions. For new accounts we may take up 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.twenty

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfersEFT transactions, telephone us at the phone numbers call or write us at the telephone number or address set forth in 4a listed above, as soon as you can, if you think your statement or a transaction receipt is wrong or if you need more information about an EFT transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent send the FIRST statement on which the problem appearsor error appeared with the following information: 1. Tell us your name and account number (if any); and 2. Describe the error or the EFT transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us a signed your complaint or question in writing within ten fourteen (1014) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) business days (twenty (20) business days if the EFT transaction involved a new account) 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 (ninety (90) days if the EFT transaction involved a new account, a point-of-sale transaction, or a foreign initiated transfer) 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)question. If we decide to do this, we will credit your account a provisional credit within ten (10) business days (five twenty (520) business days for Debit Card purchase transactionsif the EFT transaction involved a new account) 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 fourteen (1014) business calendar days, we may not credit your account. If we decide Your account is considered a new account for the first ninety (90) days after our investigation that the first deposit is made, unless you already have an error did not occur, we established account open at least ninety (90) days with us before the new account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask us for copies of the documents (to that we used in our investigation by contacting us at the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurtelephone number and address shown above.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transferstransfers or your statements or receipts, telephone us at the phone numbers or write us at the address set forth in 4a as soon as you can. Our address and telephone number are listed previously. We must hear from you no later than sixty (60) 60 days after we sent send the FIRST statement on which the problem appearsor error appeared. ◆ Tell us your name and account number. ◆ Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. ◆ Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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)Generally, we will tell you the results of our investigation within twenty (20) 10 business daysdays after we receive the confirmation from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) 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)question. If we decide to do this, we will credit recredit your account within ten (10) 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 writing, and we do not receive it your complaint or question in writing within ten (10) 10 business days, we may choose not to credit your account. For POS transactions and for transactions that were initiated in a foreign country, the investigation period is extended to 90 calendar days. If we decide after our you are a new customer to HSA Bank and you place a claim during the first 30 calendar days your account is open, the investigation that an error did not occur, we period is 90 calendar days and the time period to recredit your account may be extended to 20 business days. We will deliver or mail to send you an a written explanation of our findings determination within three (3) 3 business days after we finish our investigation. You may ask for copies of the conclusion of documents we used in our investigation. If we have provisionally recredited your account during the investigation and determine that there was no error, you requestwill be required to return any credit of funds you have received from us. If you do not return the funds, and subject to certain restrictions, we will provide you copies have the right to take the funds out of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occuryour account.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers (256) ▇▇▇- ▇▇▇▇ (locally) or (▇▇▇) ▇▇▇-▇▇▇▇ (long distance only), email us at ▇▇▇▇@▇▇▇▇▇▇.▇▇▇, or write us at the address set forth in 4a at: 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 statement on which the problem appearsor error appeared. Please provide the following information when you contact us: • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, and explain as clear as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 (or ninety (90) days for foreign initiated transactions and all transfers resulting from point of sale debit card transactions or a transaction occurring within the first 30 days after deposit to a new account) 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)question. If we decide to do this, we will credit your account within ten (10) business days (or five (5) business days for Debit Card purchase transactionspoint-of-sale debit card transactions or 20 business days if your account has been opened for 30 days or less) 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. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there is no error, we will provide send you a written explanation. You may ask for copies of documents (the document that we used in our investigation. We may revoke any provisional credit provided to the extent possible without violating other members' rights to privacy) relied upon to conclude that the you if we find an error did not occur.

ERROR RESOLUTION NOTICE. In case of errors (does not apply to international remittance transfers). • Tell us your name and account number (if any) • Describe the error or questions about your electronic transfersthe transfer you are unsure about, telephone us at the phone numbers or write us at the address set forth in 4a and explain as soon clearly as you can. We must hear from can why you no later than sixty (60) days after we sent believe it is an error or why you need more information • Tell us the FIRST statement on which dollar amount of the problem appearsspecified error. If you tell us orallyverbally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days for MASTERCARD® Debit Card Point-Of-Sale (POS) transactions and 20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a POS transaction, or foreign-five (45initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) 3 business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. (▇▇▇) ▇▇▇-▇▇▇▇ Right to the extent possible without violating other members' rights Stop Payment and Procedure for Doing So. If you have told us in advance to privacy) relied upon to conclude that the error did not occur.make regular payments out of your account, you can stop any of these payments. Here's how:

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers or write us at the address set forth in 4a 8a 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. If you tell us orally, we may require that you send us a signed complaint or question in writing within ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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 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. 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfersElectronic Transfers, telephone contact us at the phone numbers or write us at the address set forth in 4a as soon as you cancan at the above telephone number or address. Also contact us if you think your statement or receipt is wrong or if you need more information about a transfer or payment listed on the statement or receipt. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem appearsor error appeared.  Tell us your name and account number (if any)  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orallyorally or contact us through secure email, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, this we will provisionally credit your account within ten (10) 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 questions in writing and we do not receive it within ten (10) 10 business days, we may not provisionally credit your account. If we decide after our investigation that an error did not occurthere was no error, we will deliver or mail to send you an a written explanation of our findings within three (3) business days after we finish our investigation and we will reverse any provisional credit we made to your account. You may ask for copies of the conclusion of documents that we used in 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.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth listed in 4a this User Agreement, 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. 1. Tell us your name and account number (if any). 2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 10 Business Days We will tell you determine whether an error occurred within 10 Business Days (5 Business Days for Columbia VISA® Debit Card point-of-sale transactions processed by VISA and 20 Business Days if the results of our investigation within ten (10transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten 10 Business Days (10) business days (five (5) business days 5 Business Days for Columbia VISA® Debit Card purchase transactionspoint-of-sale transactions and 20 Business Days if the transfer involved a new account) 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 days10 Business Days, we may not credit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business Your account is considered a new account for the first 30 days after the conclusion first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three Business Days after completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about your electronic transfersElectronic Transfers, telephone call us at the phone numbers (▇▇▇) ▇▇▇-▇▇▇▇ or write us at the address set forth in 4a at: State Bank of ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇, ▇▇▇▇▇, IL 61019, 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 send the FIRST statement on which the problem appearsor error appeared.  Tell us your name and account number:  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send provide us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten 10 business days, (10) 20 business days if the transfers involved a new account) after we hear from you and will correct any error errors 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction or a foreign initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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 the first 30 days after the first deposit is made, if you are a new Customer. We will tell you the results within 3 business days after completing our investigation. If we decide after our investigation that an error did not occurthere was no error, we will deliver send you a written explanation. If your account had been provisionally credited for the error, your account will be debited for the amount of the provisional credit. You may request copies of the documentation that we used in our investigation. We will honor checks (or mail similar instruments payable to you an explanation of our findings within three third parties) and preauthorized transfers from your account without charging overdraft fees for five (35) business days after the conclusion of our investigation. If you requestnotification, we will provide you copies of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude provided that the error did items honored would have been paid if we had not occurdebited the provisionally credit funds.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic elec- tronic transfers, telephone us at the phone numbers (256) 837–6110 (locally) or (▇▇▇) ▇▇▇-▇▇▇▇ (long distance only), email us at ▇▇▇▇@▇▇▇▇▇▇.▇▇▇, or write us at the address set forth in 4a at: REDSTONE Huntsville, AL 35893. 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 statement on which the problem appearsor error appeared. Please provide the following information when you contact us: • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, and explain as clear as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us a signed your complaint or question ques- tion in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 (or ninety (90) days for foreign initiated transactions and all transfers resulting from point of sale debit card transactions or a transaction occurring within the first 30 days after deposit to a new account) 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)question. If we decide to do this, we will credit your account within ten (10) business days (or five (5) business days for Debit Card purchase transactionspoint-of-sale debit card transactions or 20 business days if your account has been opened for 30 days or less) 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. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there is no error, we will provide send you a written explanation. You may ask for copies of documents (the document that we used in our investigation. We may revoke any provisional credit provided to the extent possible without violating other members' rights to privacy) relied upon to conclude that the you if we find an error did not occur.

ERROR RESOLUTION NOTICE. In case of errors If you think that your statement or questions receipt is wrong or if you need more information about your electronic transfersa transfer listed on the statement or receipt, telephone us at the phone numbers or write us at the address set forth in 4a as soon as you can. We we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appearsor error appeared.  Tell us your name and Account number (if any).  Describe the error, the transfer or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may will require that you send us a signed your complaint or question in writing within ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signatureBusiness Days. We will tell you the results of our investigation within ten (10) business days Business Days (or twenty (20) Business Days if the transfer involved a new Account) 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), If 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 (or ninety (90) days if the transfer involved a new Account) 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)question. If we decide to do this, we will credit your account Account within ten (10) business days Business Days (five or twenty (520) business days for Debit Card purchase transactionsBusiness Days if the transfer involved a new Account) 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 daysBusiness Days, we may not credit your accountAccount. If we decide Your Account is considered a new account for the first thirty (30) days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this Account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days Business Days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.we used in our investigation. CENTIER BANK ▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇. MERRILLVILLE, INDIANA 46410-6366

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers (▇▇▇) ▇▇▇-▇▇▇▇, or write us at the address set forth in 4a Horizon Community Bank, ▇▇▇ ▇. ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇., ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇, 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. 7.1 Tell us your name and account number. 7.2 Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 7.3 Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 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)question. If we decide to do this, we will provisionally credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occurFor errors involving accounts, we may take up to 90 days to investigate your complaint or question, and up to 20 business days to credit your account for the amount you think is an error. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone or if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, call us at the phone numbers ▇▇▇-▇▇▇-▇▇▇▇ or write us at Denver Community Credit Union, ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ or use the address set forth in 4a contact information on your statement as soon as you can. We must hear from you no later than sixty (60) 60 calendar days after we sent the FIRST statement on which the problem appearsor error appeared. a. Tell us your name, address, telephone number, member/account number, and card number for a disputed transaction involving a card. b. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error. If you need more information, describe the item you are unsure about. c. Tell us the dollar amount and date of the suspected error. d. Include your signature. e. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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 promptly 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 dayserror. If we need more time, however, we may take up to forty-five (45) 90 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). question. f. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing 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. g. In case of errors or questions about your transaction write or call us at: Denver Community Credit Union ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ Denver, CO 80204 (▇▇▇) ▇▇▇-▇▇▇▇ h. If you discover that you card has been lost or stolen after business hours please call: Visa Credit Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ Visa Debit Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ ATM Access Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers (▇▇▇)▇▇▇-▇▇▇▇ or write us at the address set forth in 4a Merrimack Valley Credit Union, ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. Contact us 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) 60 days after we sent you the FIRST statement on which the problem appearsor error appeared. You must include: • Your name and account number; • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; • The dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (20 business days if the transaction involves a new account) 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, time however, we may take up to forty-five (45) 45 calendar days (90 days if the transaction involves a new account, a point of sale transaction or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transaction involves a new account) 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. Your account is considered new for the first 30 days after the first deposit is made unless each of you already has an established account with us before this account was opened. We will tell you the results within 3 business days after completing the investigation. If we decide after our investigation that an error did not occurthere was no error, we will deliver send you a written explanation. You may inspect or mail to you an explanation ask for copies of our findings within three (3) business days after the conclusion of documents that we used in 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.

ERROR RESOLUTION NOTICE. In case cases of errors or questions about your electronic transferstransfers from you share and share draft accounts or if you need more information about a transfer or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers following number or write send us at written notice to the following address set forth in 4a 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 at:  Tell us your name and account number.  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.  Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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)questions. If we decide to do this, we will credit your account within ten (10) day business days (five (5) business days for Debit Card purchase transactions) 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. If we decide after our investigation that an error did not occur, we We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you an written explanation. You may ask for copies of the documents 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 20 business days instead of ten (10) business days to investigate the extent possible without violating other members' rights error. **If you give us notice of an error within 30 days after you make the first deposit to privacyyour account, notice of error involving a point-of-sale (POS) relied upon transaction, or notice of an error involving a transaction initiated outside of the U.S., its possessions and territories, we will have 90 days instead of 45 days to conclude that investigate the error did not occurerror.

ERROR RESOLUTION NOTICE. In case It is your responsibility to review account statements and notices and notify us of errors or questions about errors. To do so: • Examine your electronic transfers, telephone account statement promptly and carefully. • Notify us at the phone numbers or write promptly of any errors. • Notify us at the address set forth in 4a as soon as you can. We must hear from you no later than sixty (60) within 30 days after we sent have made your account statement available to you of any unauthorized transaction on your account. Note: If the FIRST same person has made two or more unauthorized transactions and you fail to notify us of the first one within this 30-day period, we won’t be responsible for unauthorized transactions made by the same wrongdoer. • Notify us within six months after we have made your account statement available to you if you identify any unauthorized, missing, or altered endorsements on which your items. (1) Tell us your name and account number (if any), (2) describe the problem appearserror or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information and (3) tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed complaint your dispute or question in writing within ten (10) calendar business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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. 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 45 days to investigate your complaint dispute or question (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States)question. 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 dispute or question in writing and we do not receive it within ten (10) business days, we may might not provisionally credit your account. If we decide after our investigation that an error did not occurFor errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your dispute 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 deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation. a. Unauthorized Transactions: A transaction is an unauthorized transaction when it’s:

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at or if you think your statement or receipt is wrong or if you need more information about a transfer listed on the phone numbers statement or receipt, call or write us at the telephone number or address set forth listed in 4a this brochure or on your statement as soon as you can. We must hear from you no later than sixty (60) 60 calendar days after we sent the FIRST statement on which the problem appearsor error appeared. a. Tell us your name and account number. b. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. c. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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 promptly 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 dayserror. If we need more time, however, we may take up to forty-five (45) 90 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)question. If we decide to do this, we will credit your account within ten (10) 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) 10 business days, we may not credit your account. If we decide An account is considered a new account for 30 days after our investigation that an error did not occurthe first deposit is made, we if you are a new member. We will deliver or mail to tell you an explanation of our findings the results within three (3) two business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents that we used in our investigation. In case of errors or questions about your transaction write or call us at: Denver Community Credit union ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ Denver, CO 80204 (to the extent possible without violating other members' rights to privacy▇▇▇)▇▇▇-▇▇▇▇ If you discover that you card has been lost or stolen after business hours please call: VISA Credit Card: (▇▇▇) relied upon to conclude that the error did not occur.▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ VISA Debit Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇ ATM Access Card: (▇▇▇) ▇▇▇-▇▇▇▇ or (▇▇▇) ▇▇▇-▇▇▇▇

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth listed in 4a Section 1.6 of this disclosure 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. (a) Tell us your name and account number (if any). (b) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (c) Tell us the dollar amount of the suspectederror. If you tell us orallyverbally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign- initiated transfer) 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)question. If we decide to do this, we will provisionally credit your account within ten (10) 10 business days (five (5) 20 business days for Debit Card purchase transactionsif the transfer involved a new account) 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. If we decide Your account is considered a new account for the first 30 days after our investigation that the first deposit is made, unless each of you already has an error did not occur, we established account with us before this account is opened. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case of errors or questions about your electronic transfers, telephone us at the phone numbers call or write us at the telephone number or address set forth in 4a listed below, 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 first statement on which the problem appearsor error appeared. 1) Tell us your name and account number (if any). 2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. We will tell you the results of our investigation determine whether an error occurred within ten (10) 10 business days (5 business days if a VISA transaction or 20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or foreign-initiated transfer) 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)questions. If we decide to do this, we will provide provisional credit to your account within ten (10) 10 business days (five (5) 5 business days for Debit Card purchase transactionsif involving a VISA transaction or 20 business days if the transfer involved a new account) 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. If we decide An account is considered a new account for 30 days after our investigation that an error did not occurthe first deposit is made, we if you are a new customer. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.we used in our investigation. Address and Phone Number 24 hours / 7 days you may reach us at:

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions Questions about Your Electronic Transfers If you think your electronic transfersstatement or receipt is wrong or if you need more information about a transfer on the statement or receipt, telephone us at the phone numbers please call or write us at the telephone number or address set forth in 4a listed below, 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 error or problem appearsappeared. (1) Tell us your name and account number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar 10 business days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature. 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 transaction or 20 business days if the transfer involved a new account) 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 forty45 days (90 days if the transfer involved a new account, a point-five (45of-sale transaction, or a foreign-initiated transfer) 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)question. If we decide to do this, we will credit your account within ten (10) 10 business days (five (5) 5 business days for Debit Card purchase transactionsif involving a Visa transaction or 20 business days if the transfer involved a new account) 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. If we decide An account is considered a new account for 30 days after our investigation that an error did not occurthe first deposit it made, we if you are a new customer. We will deliver or mail to tell you an explanation of our findings the results within three (3) business days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.

ERROR RESOLUTION NOTICE. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers, telephone Telephone us at the phone numbers ▇-▇▇▇-▇▇▇-▇▇▇▇ or write us at the address set forth in 4a Union Bank and Trust Company, ▇▇ ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ 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. a. Tell us your name and account number (if any). b. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. c. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us a signed your complaint or question in writing within ten (10) calendar days. Provide the following information in your written communication: a. Include your name, address, telephone number, account number, and Card number for a disputed Card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer, and explain as clearly as possible why you believe it is an error. If you need more information describe the item you are not sure about. d. Include your signature10 Business Days. We will tell you the results of our investigation determine whether an error occurred within ten 10 Business Days (105 Business Days if involving a Visa point- of-sale transaction processed by Visa) 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 45 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)question. If we decide to do this, we will credit your account within ten 10 Business Days (10) business days (five (5) business days for Debit Card purchase transactions5 Business Days if involving 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) business days10 Business Days, we may not credit your account. If we decide after our investigation that an error did not occurFor errors involving new accounts (opened within last 30 days by a new customer), 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 deliver or mail to tell you an explanation of our findings the results within three (3) business days Business Days after the conclusion of completing our investigation. If you requestwe decide that there was no error, we will provide send you a written explanation. You may ask for copies of the documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occurwe used in our investigation.