Common use of Errors and Questions Clause in Contracts

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W Tell us your name and account number; W Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should as soon as possible notify Administrator via one of the following: W Telephone telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or▇, W Write 8 a.m.-5 p.m. (Central Time), Monday through Friday, or write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇Waypoint Bank PO Box 7 ▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If NE 69130 as soon as you can, if you think your account statement or receipt is incorrect wrong or if you need more information Information about a BillSuite Service transaction listed on the statement, we statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W will need to: a. Tell us your name and account number; W Account number (if any); b. Describe the error or the transaction in questionyou are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W and c. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you to send us your complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days following the date you notified us. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate your complaint or question. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigationaccount. If we decide that determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or and questions about your transactionselectronic transfers, you should contact us as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ possible. If you think that your account statement is incorrect wrong or you need more information about a BillSuite Service transaction transfer listed on the statement, we you must hear from you notify us no later than sixty (60) days after we sent the FIRST first statement was sent to you on which the problem or error appearsappeared. You must: W • Tell us your name and account number; W number • Describe the error or the transaction in question, transfer you are unsure about and explain as clearly as possible you can why you believe it there is an error or why you need more information; and W . • Tell us the dollar amount of the suspected error. If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notification10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days 10 business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if however, we require more time may take up to confirm the nature of 45 days to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you experience a problem or have a question about transactions completed using Internet Banking Services please call us at: ▇▇▇-▇▇▇-▇▇▇▇; ▇▇▇-▇▇▇-▇▇▇▇ Or Write us at: ▇▇▇▇ County FCU ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ Kerrville, TX 78028 The BillSuite Service Provider may revoke any provisional credit full disclosure for the error resolution procedures concerning electronic transfers is provided to you if we find an error did not occurin the account brochures provided to you when you opened your account and mailed annually thereafter.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W • Telephone us at (▇▇▇ ▇)▇▇▇-▇▇▇▇ during customer service regular business hours; and/or. • Write to us at Relyance Bank Attn: E-Banking, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ , ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ or • Contact us by using the secure messaging feature within the Service. If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W User ID. 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, you and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new accounts, we may take up to ninety (90) days to investigate your complaint or question. We will tell you the results within three may take up to twenty (20) Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or and questions about your transactionselectronic transfers, you should contact us as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ possible. If you think that your account statement is incorrect wrong or you need more information about a BillSuite Service transaction transfer listed on the statement, we you must hear from you notify us no later than sixty (60) days after we sent the FIRST first statement was sent to you on which the problem or error appearsappeared. You must: W • Tell us your name and account number; W number • Describe the error or the transaction in question, transfer you are unsure about and explain as clearly as possible you can why you believe it there is an error or why you need more information; and W . • Tell us the dollar amount of the suspected error. If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notification10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days 10 business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if however, we require more time may take up to confirm the nature of 45 days to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you experience a problem or have a question about transactions completed using Internet Banking Services please call us at: ▇▇▇-▇▇▇-▇▇▇▇ Or Write us at: ▇▇▇▇ County FCU ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ The BillSuite Service Provider may revoke any provisional credit full disclosure for the error resolution procedures concerning electronic transfers is provided to you if we find an error did not occurin the account brochures provided to you when you opened your account and mailed annually thereafter.

Errors and Questions. In case of errors or questions about your electronic transactions, you should as soon as possible notify Administrator via one of the following: W Telephone telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or▇, W Write 8 a.m.-5 p.m. (Central Time), Monday through Friday, or write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇Waypoint Bank ▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If as soon as you can, if you think your account statement or receipt is incorrect wrong or if you need more information Information about a BillSuite Service transaction listed on the statement, we statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W will need to: a. Tell us your name and account number; W Account number (if any); b. Describe the error or the transaction in questionyou are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W and c. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you to send us your complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days following the date you notified us. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate your complaint or question. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigationaccount. If we decide that determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionselectronic transfers, you should call or write us at the telephone number or address shown below, as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/oryou can, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If if you think your account statement or receipt is incorrect wrong or if you need more information about a BillSuite Service transaction transfer listed on the statement, we statement or receipt. We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement was sent to you on which the problem or error appearsappeared. 1. You must: W Tell us your name and account number; W number (if any). 2. Describe the error or the transaction in question, transfer you are unsure about and explain as clearly as possible you can why you believe it is an error or why you need more information; and W . 3. Tell us the dollar amount of the suspected error. 4. If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten 10 business days. We will determine whether an error occurred within 10 business days, (105 business days for point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) Business Days after we hear from you. We will then correct any error promptly. If we need more time, however, we may take up to 45 calendar days, (90 days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your verbal notificationcomplaint or question. If we decide to do this, we will credit your account within 10 business days, (5 business days for 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 use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not credit your account. We may withhold provisional credit for point-of-sale transactions, to the extent allowed under applicable law, if the delay is warranted by the circumstances or your account history. 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 of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) 3 business days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The BillSuite Write us at: American Bank Attention: Customer Service Provider may revoke any provisional credit provided ▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Street Allentown, PA 18104 Call us at: ▇▇▇.▇▇▇.▇▇▇▇ or toll-free 888.366.6622 Business Days: Monday through Friday, excluding federal holidays 8:00 a.m. to you if we find an error did not occur.5:00 p.m. (ET)

Errors and Questions. In case of errors If you have questions or questions about your transactionsyou think there has been an error concerning the Services, you should as soon as possible notify Administrator via one of the following: W Telephone contact us at 804-843- 2520 or toll-free ▇▇▇ ▇-▇▇▇-▇▇▇▇ during customer service hours; and/oror write to us at Baylands Family Credit Union, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations P O Box ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we ▇. We must hear from you no later than sixty (60) within 60 calendar days after we have sent the FIRST first paper or electronic monthly statement was sent to you on which the problem or error appearsfirst appeared. You mustIf you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to know the following for all errors: W Tell us your  Your name and account number; W Describe .  A description of the error or the transaction in question, transfer you are unsure about and explain as clearly as possible an explanation of why you believe it is an error or why you need more additional information; and W Tell us the .  The dollar amount of the suspected error.  For a Bill Pay issue - the checking account number used to pay the bill, payee name, date payment was scheduled, payment amount, reference number and payee account number. If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notification10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days 10 business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if however, we require more time may take up to confirm the nature of 45 days to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90* days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to If you if we find need more information about our error resolution procedures, call us at ▇▇▇-▇▇▇-▇▇▇▇ or toll-free ▇▇▇-▇▇▇-▇▇▇▇. * If you give notice of an error did not occurwithin 30 days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate.

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify Administrator via one of the following: W Telephone us at regarding an Online Banking or ▇▇▇▇ Payment transaction, you may call the Bank at ▇-▇▇▇-▇▇▇▇ during customer service hours; and/or-▇▇▇▇, W Write us ator write a letter and send it to: BNY Mellon Investment Servicing Trust Company BTS Winter Hill Bank Attn: IB Support Operations Center ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your * Your name and account number; W Describe * A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the * The dollar amount of the suspected error; and * The date on which it occurred. If you tell us verballythe report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after from your verbal notificationinitial contact. We will tell notify you with the results of our the investigation within ten (10) Business Days after we hear from you, you contact us and will correct any error promptly. However, if we require If more time to confirm the nature of your complaint or questionis needed, however, we reserve the right to may, at our sole discretion, take up to forty-five (45) calendar days to complete our investigationinvestigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation is completed. If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made (New Accounts), the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was is no error, we will send you a written explanation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider explanation and we may revoke any provisional credit previously provided to you. You may request copies of the documents that were used in the investigation. You agree that the Bank may respond to you if we find an error did by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by the Bank shall be considered received within three (3) Business Days of the date sent by the Bank, regardless of whether or not occuryou sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W • Telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or• Contact us by using the secure messaging feature within the Service; or • Write to us at Attention: Central Services, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇ ▇▇▇, ▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or ▇▇▇▇ Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W Username; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionsregarding Online Banking or any of its Services, you should as soon as possible notify Administrator via one of the followingmay call Silvergate Bank at 800‐ 595‐5856, or write a letter and send it to: W Telephone us at Silvergate Bank Attention: Central Operations ▇▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your  Your name and account number; W Describe .  A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the .  The dollar amount of the suspected error.  The date on which it occurred. If you tell us verballythe report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after from your verbal notificationinitial contact. We will tell notify you with the results of our the investigation within ten (10) Business Days after we hear from you, you contact us and will correct any error promptly. However, if we require If more time is needed, however, we may, at our sole discretion, take up to confirm the nature of your forty‐five (45) calendar days to investigate a complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation is completed. We will tell you If your notice of error concerns a transaction that occurred during the results within three first thirty (30) days after the first deposit to the account was made, the applicable time periods are twenty (20) Business Days after completing our investigationinstead of ten (10) Business Days and ninety (90) calendar days instead of forty‐five (45) calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days after the Bank’s decision on the matter. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that we may revoke any provisional credit provided respond to you if we find an error did by e‐mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Silvergate Bank shall be considered received within three (3) Business Days of the date sent by Silvergate Bank, regardless of whether or not occuryou sign on to the System within that time frame.

Errors and Questions. In case of errors or questions about your transactionselectronic transfers, you should as soon as possible notify Administrator via one of the following: W Telephone contact us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If immediately if you think your account periodic statement is incorrect wrong or if you need more information about a BillSuite Service transaction listed on the statement, we transfer.. We must hear from you no later than sixty (60) days after the FIRST periodic statement was sent made available to you on which the problem or error appearsappeared. You mustwill need to tell us the following: W Tell us your  Your name and account number; W number (if any).  Describe the error error, payment, or the transaction in questiontransfer you are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W Tell us the .  The dollar amount of the suspected error. If you tell us verballyorally, we may require that you to send your us the complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate a complaint or question. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Accountaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W  Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ [FI number] during customer service hours; and/or, W  Contact us by using the secure messaging feature within the Service; or  Write to us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ at [FI address] If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal verb al notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. ‌ In case of errors or questions about a transaction(s) in your transactionsaccounts, you should as soon as possible notify Administrator via us using one of the followingfollowing methods: W • Telephone us at ▇▇▇ ▇-▇▇▇-▇▇▇▇ during customer service hoursMonday – Friday 8:30 a.m. to 5:00 p.m. CST or; and/or, W • Fax to: ▇-▇▇▇-▇▇▇-▇▇▇▇ or; • Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations First Bank Chicago Treasury Management ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇ ▇▇▇ Northbrook, IL 60062 ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇.▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service Commercial Online Banking transaction listed on the your statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appearsas soon as possible. You must: W • Tell us your name and the account numbernumber for the account involved; W • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, • Tell us the dollar amount of the suspected error. We must hear from you no later than 30 days after we send or make the first statement available to you on which the error or problem appeared. You must exercise ordinary care to determine all payment orders or amendments to payment orders that we accept are issued in your name and are authorized, enforceable, in the correct amount, to the correct beneficiary, and not otherwise erroneous. If you tell discover (or with reasonable care should have discovered) an unauthorized, unenforceable, or erroneously executed payment order or amendment, you must exercise ordinary care to notify us verbally, we may require that of the relevant facts. The time you send your complaint in writing within ten (10) Business Days after your verbal notification. We have to notify us will tell you depend on the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptlyparticular circumstances involved. However, if such time period will not exceed 30 days. Failure to examine your statement and report any such errors to us within 30 days of when we require more time first send or make the first statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours. If you do not provide us with timely notice you will not be entitled to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigationinterest on any refundable amount. If we decide can establish that you failed to do thisperform either of these duties with respect to an erroneous payment and that we incurred a loss as a result of the failure, we will provisionally credit your Payment Account within ten (10) Business Days you are liable to us for the amount you think is in error. If we ask you to submit of the loss not exceeding the amount of your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occurorder.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W • Telephone us at ▇▇▇ ▇▇▇at580-▇▇▇▇ during 423-7541during customer service hours; and/or, W 9:00AM-4:30PM • Contact us by using the secure messaging feature within the Service; or • Write to us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ at ▇▇▇▇▇▇ ▇ ▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇ ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W • Tell us your name name, relevant Service account number(s), and account numberAccess ID; W • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionstransfers, you should as soon as possible notify Administrator via one of the followingshould: a. Telephone your local Buckeye State Credit Union branch during regular business hours at: 1. Akron: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W -▇▇▇▇ 2. Alliance: ▇▇▇-▇▇▇-▇▇▇▇ 3. Canton: ▇▇▇-▇▇▇-▇▇▇▇ 4. Painesville: ▇▇▇-▇▇▇-▇▇▇▇ 5. Ashtabula: ▇▇▇-▇▇▇-▇▇▇▇ b. Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ Buckeye State Credit Union, Electronic Services Dept, and PO BOX 848, AKRON, OH 44309 c. Contact us via email at ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 @▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇.▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we We must hear from you no later than sixty (60) days after you received the FIRST statement was sent to you on which the problem or error appearsfirst appeared or you first received notification of the problem or error on your home computer. You must: W Tell us Please provide the following information and include in all your correspondence to us: a. Your name and account number; W Describe . b. The date the error occurred and any associated transaction numbers. c. Description of the error or the transaction in questiontransfer you are unsure about, and explain as clearly as possible why you believe it is an error and / or why you need more information; and W Tell us the dollar amount of the suspected error. If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days. We will tell you the results of our investigation within ten twenty (1020) Business Days business days after we hear from you, you and will correct any error promptly. However, if If we require need more time to confirm the nature of your complaint or questiontime; however, we reserve the right to may take up to forty-forty- five (45) days to complete our investigationinvestigate your complaint or question. If IF we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten twenty (1020) Business Daysbusiness days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigationaccount. If we decide that there was no error, we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of documents that we used in our investigation. The BillSuite Service Provider may revoke If your alleged error or question relates to a transfer that resulted in an advance on any provisional of your BSCU Lines of Credit, after we hear from you, we cannot try to collect on that advance or any associated advance on any of your BSCU Lines of Credit you question, or report any of your lines of credit provided as delinquent until the error/dispute is resolved. We can continue to bill you if for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned advance on your associated BSCU Line of Credit while we are investigating the questioned item, but you are still obligated to pay the advances that are not in question. If we find an error that we made a mistake, you will not have to pay any finance charges related to the questioned advance(s). If we did not occurmake a mistake, you may be obligated to pay finance charges, and you will have to make up any missed payments on the questioned advance(s). In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we have determined you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And we must tell you the name of anyone we reported you to. We must tell anyone we report you to when the matter between us has finally been settled.

Errors and Questions. In case of errors or questions about your transactionselectronic transfers or payments, you should as soon as possible notify Administrator via one of the followingshould: i. Telephone: W Telephone us at ▇▇▇ ▇▇▇-.▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ .▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ii. Write to: ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇@▇▇▇.▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we We must hear from you no later than sixty (60) days after you received the FIRST statement was sent to you or notification on your PC or other electronic device in which the problem or error appears. You must: W appeared. (a) Tell us your name and account Bank Account number; W . (b) Describe the error or the transaction in questiontransfer you are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W . (c) Tell us the dollar amount of the suspected error. If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days. iii. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-forty- five (45) days to complete our investigationinvestigate your complaint or question. If we decide to do this, we will provisionally credit your Payment Bank Account within ten (10) Business Days business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Bank Account. For errors involving new Bank Accounts, we may take up to ninety (90) days to investigate your complaint or question. For new Bank Accounts, we may take up to twenty (20) Business Days to credit your Bank Account for the amount you think is in error. iv. We will tell you the results within three Business Days (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your Your transactions, you You should as soon as possible notify Administrator via one of the following: W • Telephone us Us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or, W • Write us Us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you You think your account Your Account statement is incorrect or you You need more information about a BillSuite Service transaction listed on the statement, we We must hear from you You no later than sixty (60) days after the FIRST statement was sent to you You on which the problem or error appears. You must: W • Tell us your Us Your name and account Account number; W • Describe the error or the transaction in question, and explain as clearly as possible why you You believe it is an error or why you You need more information; and W and, • Tell us Us the dollar amount of the suspected error. If you You tell us Us verbally, we We may require that you You send your Your complaint in writing within ten (10) Business Days after your Your verbal notification. We will tell you You the results of our Our investigation within ten (10) Business Days after we We hear from youYou, and will correct any error promptly. However, if we We require more time to confirm the nature of your Your complaint or question, we We reserve the right to take up to forty-five (45) days to complete our Our investigation. If we We decide to do this, we We will provisionally credit your Your Payment Account within ten (10) Business Days for the amount you You think is in error. If we We ask you You to submit your Your complaint or question in writing and we We do not receive it within ten (10) Business Days, we We may not provisionally credit your Your Payment Account. We will tell you You the results within three Business Days after completing our Our investigation. If we We decide that there was no error, we We will send you You a written explanation. You may ask for copies of documents used in our Our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you You if we We find an error did not occur.

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-regarding an Online Banking or Online ▇▇▇▇ during customer service hours; and/orPayment transaction, W Write us atyou may call Winchester Savings Bank at 781‐729‐2130, or write a letter and send it to: BNY Mellon Investment Servicing Trust Company BTS Winchester Savings Bank Attention: Deposit Operations ▇▇▇ ▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your * Your name and account number; W Describe . * A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the . * The dollar amount of the suspected error. * The date on which it occurred. If you tell the report is made to us verballyorally, we may require that you send your the complaint or question in writing within ten (10) )** Business Days after from your verbal notificationinitial contact. We will tell notify you with the results of our the investigation within ten (10) )** Business Days after you contact us and we hear from you, and will correct any error promptly. However, if we require If more time is needed, however, we may, at our sole discretion, take up to confirm the nature of your forty‐five (45)** calendar days to investigate a complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) )** Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation is completed. We will tell you ** If your notice of error concerns a transaction that occurred during the results within three first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days after completing our investigationin place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determine that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that Winchester Savings Bank may revoke any provisional credit provided respond to you by email with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Winchester Savings Bank shall be considered received within three (3) Business Days of the date sent by Winchester Savings Bank, regardless of whether or not you sign on to the Service within that time frame. We will use the email address that appears in our records. If you change your email address, you are responsible for providing us with your new email address. Winchester Savings Bank will be responsible for acting only on those instructions sent through Online Banking that are actually received, and cannot assume responsibility for circumstances over which we have no direct control. This includes but is not limited to, the failure of or malfunctions in communication facilities which may affect the accuracy or timeliness of messages you send. Winchester Savings Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service. Any information you receive from Winchester Savings Bank is believed to be reliable. However, it can only be provided on a best‐efforts basis for your convenience and is not guaranteed. Winchester Savings Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information. Winchester Savings Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking and making online ▇▇▇▇ payments. Winchester Savings Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Winchester Savings Bank's liability shall be as expressly set forth herein. Under no circumstances will Winchester Savings Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable, and whether or not we have been informed of the possibility of such damages. By consenting to use the Services, you agree to waive any and all rights to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein. Winchester Savings Bank will be responsible for your losses, as allowed by law, if they were directly caused by our failure to complete or cancel an Electronic Funds Transfer as properly requested by you. However, we will NOT be responsible for your losses if: * through no fault of Winchester Savings Bank, you do not have enough money in your account to make the transfer. * through no fault of Winchester Savings Bank, the transaction would have caused you to exceed your available credit. * circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. * there is a hold on your account, or if access to your account is blocked in accordance with bank policy. * your funds are subject to legal process or other encumbrance restricting the transfer. * your transfer authorization terminates by operation of law. * you believe someone has accessed your accounts without your permission and you fail to notify Winchester Savings Bank immediately. * you have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the payee refuses the payment. * if any payee fails to correctly account for or credit the payment in a timely manner. * we have received incomplete or inaccurate information from you or a third party involving the account or transfer. * the payee's address or account number changes and you do not provide timely notice to us of the change. * we have a reasonable basis for believing that unauthorized use of your Password or Account has occurred or may be occurring, or if you default under this Agreement, any applicable deposit account agreement, credit agreement, or any other agreement with us, or if we find or you terminate this Agreement. There may be other exceptions stated in this Agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages, even if we are informed of the possibility of such damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. If you send Winchester Savings Bank an error did electronic mail message through the Service, Winchester Savings Bank will be deemed to have received it on the following Business Day. Emails will be answered within a reasonable timeframe. You should not rely on electronic mail if you need to communicate with Winchester Savings Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur). You agree that Winchester Savings Bank may respond to you by electronic mail with regard to any matter related to the Services, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Winchester Savings Bank shall be considered received within three (3) days of the date sent by Winchester Savings Bank, regardless of whether or not you sign on to the Service or check your emails within that time frame. Online Banking alerts allow you to set up automated alert events based on criteria you select. Alerts may be sent via email or in an online message within Online Banking, or both. Email alerts will be sent to the email address you provide in creating the alert. If you change your email address, you are responsible for updating the alerts you have already set up with your new email address. You agree that:  We may add or remove types of alerts from time to time.  Alerts may be delayed or prevented for a variety of reasons beyond our control and we cannot guarantee the delivery or validity of the contents of any alert.  You agree that we shall not be liable for any delays, delivery failure or misdirected delivery of any alert, or for any actions taken or not taken by you or anyone else in reliance on an alert.  The Bank will never include your password or full account number in an email alert; however, alerts may include your name and some information about your accounts.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W • Telephone us at ▇▇▇ ▇-▇▇▇-▇▇▇▇ during customer service hours; and/or• Contact us by using the secure messaging feature within the Service; or • Write to us at Farmers National Bank, W Write us atAttn: BNY Mellon Investment Servicing Trust Company BTS Operations Customer Contact Center, ▇▇▇ ▇▇. ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your regarding an Online Banking or Bill Payment transactions, you should as soon as possible notify Administrator via one of the following: W Telephone us may call Bay Bank at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about send a BillSuite Service transaction listed on the statementletter to: Bay Bank Attention: Bookkeeping P. O. Box 10855 Green Bay, we WI 54307 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your • Your name and account number; W Describe . • A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the . • The dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification• The date on which it occurred. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days after we hear from you, you and will correct any error promptly. However, if we require If more time to confirm the nature of your complaint or questionis needed, however, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate your complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation is completed. We will tell you If your notice of error concerns a transaction that occurred during the results within three first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days after completing our investigationin place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that Bay Bank may revoke any provisional credit provided respond to you if we find an error did by email with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Bay Bank shall be considered received within three (3) Business Days of the date sent by Bay Bank, regardless of whether or not occuryou sign on to the Service within that time frame.

Errors and Questions. In case cases of errors or questions about your transactionsconcerning transactions completed with the Tioga State Bank, you should as soon as possible notify Administrator via N.A. Mobile Banking or any Service of Tioga State Bank, N.A. Online Banking, do one of the following, as soon as possible: W Telephone us at ▇▇▇ at: ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations -▇▇▇▇, Write to: Tioga State Bank, N.A., ▇ ▇▇. ▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your ▇-▇▇▇▇, OR E-mail us via the secure e-mail provided within Tioga State Bank, N.A. Online. Please provide us the following information: Name, Address, Tioga State Bank, N.A. Account Number & Online ID, Description of the error, and Amount of the error. For Bill Payment errors tell us: Checking account statement is incorrect or you need more information about a BillSuite Service transaction listed on number used to pay the statementbill, we must hear from you no later than sixty (60) days after Payee name, Date payment was sent, Confirmation number, Payment amount, Payee account number for the FIRST statement was sent to you on which the problem or error appears. You must: W Tell us your name and account number; W Describe the error or the transaction payment in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W Tell us the dollar amount of the suspected error. CONSUMER DEPOSIT ACCOUNTS NOTICE OF ERROR RESOLUTION If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notification10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days 10 business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if however, we require more time may take up to confirm the nature of 45 days to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. CONSUMER LINE OF CREDIT ACCOUNTS NOTICE OF ERROR RESOLUTION • You must contact us within 60 days after the error appeared on your statement. • You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. • While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The BillSuite Service Provider charge in question may revoke any provisional credit provided remain on your statement, and we may continue to charge you interest on that amount. But, if we find an error did determine that we made a mistake, you will not occur.have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. COMMERCIAL/MUNICIPAL CUSTOMERS

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W Telephone us at :(▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/orWrite to us at : PO Box 459, W Write Ottoville OH 45876 Contact us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 by using the secure messaging feature within the Service. You can also send us an email ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ but this is not a secure email address; so please do not include any confidential or personal information when using this address. If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Pay transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, Service account number(s), and account number; W Username; 2. Describe the error or the transaction in question, question and explain as clearly as possible why you believe it is an error or why you need more information; and W and 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, you and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W  Telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or Contact us by using the secure messaging feature within the Service; or  Write to us at Austin Capital Bank SSB, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇., ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may will require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W  Telephone us at ▇▇▇ ▇▇▇580-▇▇▇▇ during 423-7541during customer service hours; and/or, W 9:00AM-4:30PM  Contact us by using the secure messaging feature within the Service; or  Write to us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ at ▇▇▇▇▇▇ ▇ ▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇ ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or ▇▇▇▇ Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W  Tell us your name name, relevant Service account number(s), and account numberAccess ID; W  Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and,  Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionsregarding Online Banking or any of its Services, you should as soon as possible notify Administrator via one of the followingmay call Silvergate Bank at 800‐ 595‐5856, or write a letter and send it to: W Telephone us at Silvergate Bank Attention: Central Operations ▇▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your • Your name and account number; W Describe accountnumber. • A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the moreinformation. • The dollar amount of the suspected error. • The date on which itoccurred. If you tell us verballythe report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after from your verbal notificationinitial contact. We will tell notify you with the results of our the investigation within ten (10) Business Days after we hear from you, you contact us and will correct any error promptly. However, if we require If more time is needed, however, we may, at our sole discretion, take up to confirm the nature of your forty‐five (45) calendar days to investigate a complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation iscompleted. We will tell you If your notice of error concerns a transaction that occurred during the results within three first thirty (30) days after the first deposit to the account was made, the applicable time periods are twenty (20) Business Days after completing our investigationinstead of ten (10) Business Days and ninety (90) calendar days instead of forty‐five (45) calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days after the Bank’s decision on the matter. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that we may revoke any provisional credit provided respond to you if we find an error did by e‐mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Silvergate Bank shall be considered received within three (3) Business Days of the date sent by Silvergate Bank, regardless of whether or not occuryou sign on to the System within that time frame.

Errors and Questions. In case of errors If you have questions or questions about your transactionsyou think there has been an error concerning the Services, you should as soon as possible notify Administrator via one of the following: W Telephone contact us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or▇, W Write or (▇▇▇) ▇▇▇-▇▇▇▇, or write to us at: BNY Mellon Investment Servicing Trust Company BTS Operations at OUCU Financial, ▇▇▇ ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we ▇. We must hear from you no later than sixty (60) within 60 calendar days after we have sent the FIRST first paper or electronic monthly statement was sent to you on which the problem or error appearsfirst appeared. You mustIf you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to know the following for all errors: W Tell us your Your name and account number; W Describe . A description of the error or the transaction in question, transfer you are unsure about and explain as clearly as possible an explanation of why you believe it is an error or why you need more additional information; and W Tell us the . The dollar amount of the suspected error. If you tell us verballyFor a Bill Pay issue, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notificationthe checking account number used to pay the bill, payee name, date payment was scheduled, payment amount, reference number and payee account number. We will tell advise you of the results of our investigation within ten (10) Business Days 10 business days after we hear from you, you and will promptly correct any error promptlywe have made. However, if If we require more need additional time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If , we decide may take up to do this45 days, but we will provisionally re-credit your Payment Account account within ten (10) Business Days 10 business days for the amount you think is in error. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days after the request, we may will not provisionally re-credit your Payment Account. We will tell you the results within three Business Days after completing our investigationaccount. If we decide determine that there was no error, we will send you a written explanationexplanation within 3 business days after we complete our investigation. You may ask for request copies of documents that we used in our investigation. 12. The BillSuite Service Provider PROVISIONS APPLICABLE TO BUSINESS DEPOSIT ACCOUNT CUSTOMERS (OTHER THAN SOLE PROPRIETORS) (a) Notification of Unauthorized Transactions. Notify us at once if you believe someone has improperly obtained your login credentials. This will ensure the best protection of your account and avoid the possibility of unauthorized withdrawals. In addition, notify us at once if you believe someone has transferred or may revoke transfer money from your account without your permission, or if you suspect any provisional credit provided fraudulent activity on your account. To notify us, please call (▇▇▇) ▇▇▇-▇▇▇▇, or (▇▇▇) ▇▇▇-▇▇▇▇. You agree that the following security procedures govern your use of the Services when accessing your business accounts: ● You will set up login credentials. These must be used to access your business account. ● You agree to protect these credentials to prevent unauthorized use. ● You are liable for all transactions that you or any authorized users make or authorize, even if that person exceeds your authority. You will also be liable for all transactions by an authorized Secondary user. You are also liable for any and all unauthorized use that occurs before you have notified us that your credentials have been lost or stolen or used without your authority and before we have had a reasonable opportunity to block the affected access device(s). Your use of the Services constitutes your agreement that our security procedures are commercially reasonable. We may suspend or cancel your Username or Password even without receiving such notice from you if we find suspect your Username or Password is being used in an error did unauthorized or fraudulent manner. With respect to all claims of third parties, you agree to reimburse and indemnify us and hold us harmless against any and all damages, losses, liabilities and claims of any kind or nature, including attorneys' fees and court costs, arising out of or in connection with, the performance by us of our duties and obligations under the Services Agreement, as well as all costs and expenses, of defending against any claim or liability arising out of or relating to the Services Agreement; provided however, that the foregoing shall not occurapply when we have failed to act in accordance with our security procedures. If you think that a transfer or withdrawal shown on your monthly statement is incorrect, or if you believe that an unauthorized transfer or withdrawal has occurred, contact us at once.

Errors and Questions. In case Case of errors Errors or questions about your transactions, you should Questions About Your Electronic Transfers Please contact us as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/oryou can, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If if you think your account statement or receipt is incorrect wrong or if you need more information about a BillSuite Service transaction listed on the statement, we statement or receipt. The Bank contact information is listed at the bottom of this agreement. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W will need to: a. Tell us your name and account number; W Account number (if any); b. Describe the error or the transaction in questionyou are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W and c. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notification10 business days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days 10 business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if however, we require more time may take up to confirm the nature of 45 days to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days (3) business days after completing our investigation. If we decide determine that there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation. You may ask for copies of the documents we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify Administrator us via one of the following: W Telephone • Call us at at: ▇▇▇ ▇-▇▇▇-▇▇▇▇ during customer service hours; and/or, W our Support Services hours • Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ GHS Federal Credit Union, ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇, ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W • Tell us your name and Service account number; W number • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W information • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. We If it is determined there was no error we will tell mail you the results a written explanation within three (3) Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should as soon as possible notify Administrator via one of the following: W Telephone telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/orany time from 8:00 a.m. to 4:00 p.m. Monday through Thursday or 8:00 a.m. to 5:30 p.m. on Friday, W Write or 8:00 a.m. to 12:00 noon on Saturdays or contact us at: BNY Mellon Investment Servicing Trust Company BTS Operations Bank of Stronghurst ▇▇▇ ▇. ▇▇▇▇▇ , ▇.▇▇. ▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If as soon as you can, if you think your account statement or receipt is incorrect wrong or if you need more information about a BillSuite Service transaction listed on the statement, we statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You mustwill need to: W Tell a. tell us your name and account numberAccount number (if any); W Describe b. describe the error or the transaction in questionyou are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W Tell c. tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you to send us your complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days following the date you notified us. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-five (45) days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to complete our investigationinvestigate your complaint or question. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigationaccount. If we decide that determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case Case of errors Errors or questions about your transactions, you should as soon as possible notify Administrator via one of the following: W Telephone us at Questions regarding a BEACON Business Online Banking or ▇▇▇▇ Payment Transaction, call Beacon Business Bank at one of our branch locations: San ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇: (▇▇▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write Peninsula Branch: (▇▇▇) ▇▇▇-▇▇▇▇ East Bay Branch: (▇▇▇) ▇▇▇-▇▇▇▇ Or write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇BEACON BUSINESS BANK ▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇, ▇▇▇▇▇ ▇▇▇▇ ▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If ▇‌ as soon as you can, if you think your account statement is incorrect wrong or if you need more information about a BillSuite Service transaction transfer listed on the statement, we . We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W Tell us your We will need:‌  Your name and account number; W Describe .  A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the .  The dollar amount of the suspected error. If you tell us verballythe report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days after we hear from you, you and will correct any error promptly. However, if we require If more time to confirm the nature of your complaint or questionis needed, however, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Accountaccount. If an alleged error involves a new account, point-of-sale, or foreign-initiated transfer, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days (3) business days after completing our investigation. If we decide determine that there was no errorerror occurred, we will send you a written explanation. You may ask for request copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-regarding an Online Banking or ▇▇▇▇ during customer service hours; and/orPayment transaction, W Write notify us immediately by calling us, 8:30 AM to 5:00 PM (EST) Monday - Friday or Saturday 8:30-1:00, excluding Federal holidays at 1-781-749-2200 or write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇You agree that the time you have to examine your statement and report to us will depend on the circumstances, ▇▇ ▇▇▇▇▇ If you think your account but will not, in any circumstance, exceed a total of 30 days from when the statement is incorrect first sent or you need more information about a BillSuite Service transaction listed on the statementmade available to you. Furthermore, we must hear from you at the specified telephone number or address no later than sixty (60) 60 days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W Tell us your We will need: 1. Your name and account number; W Describe . 2. A description of the error or the transaction transfer in question, question and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the . 3. The dollar amount of the suspected errorerror and date on which it occurred. If you tell us verballyyour report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after your verbal notificationDays. We will tell notify you with the results of our the investigation within ten (10) Business Calendar Days after we hear from you, and will correct any error promptly. However, if we require If more time is needed, however, we may take up to confirm the nature of your 45 days to investigate a complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Calendar Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business Calendar Days, we may not provisionally credit your Payment Accountaccount until the investigation is completed. If an alleged error involves an electronic funds transfer during the first thirty (30) Calendar Days after the first deposit to the account was made, the applicable time periods for action by us are twenty (20) Calendar Days (instead of 10) and ninety (90) Calendar days (instead of 45). We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, the investigation and we will send you a written explanationexplanation if we determine that there was no error. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that we may revoke any provisional credit provided respond to you if we find an error did by e-mail with regard to any claim of unauthorized electronic funds transfer related to the Service. Any such electronic mail sent to you by us shall be considered received within three (3) days of the date sent by us, regardless of whether or not occuryou sign on to the Service within that time frame.

Errors and Questions. ‌ In case of errors or questions about a transaction(s) in your transactionsaccounts, you should as soon as possible notify Administrator via us using one of the followingfollowing methods: W • Telephone us at ▇▇▇ ▇-▇▇▇-▇▇▇▇ during customer service hoursMonday – Friday 8:30 a.m. to 5:00 p.m. CST or; and/or, W • Fax to: ▇-▇▇▇-▇▇▇-▇▇▇▇ or; • Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations First Bank of Highland Park Treasury Management Client Care ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service Commercial Online Banking transaction listed on the your statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appearsas soon as possible. You must: W • Tell us your name and the account numbernumber for the account involved; W • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, • Tell us the dollar amount of the suspected error. We must hear from you no later than 30 days after we send or make the first statement available to you on which the error or problem appeared. You must exercise ordinary care to determine all payment orders or amendments to payment orders that we accept are issued in your name and are authorized, enforceable, in the correct amount, to the correct beneficiary, and not otherwise erroneous. If you tell discover (or with reasonable care should have discovered) an unauthorized, unenforceable, or erroneously executed payment order or amendment, you must exercise ordinary care to notify us verbally, we may require that of the relevant facts. The time you send your complaint in writing within ten (10) Business Days after your verbal notification. We have to notify us will tell you depend on the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptlyparticular circumstances involved. However, if such time period will not exceed 30 days. Failure to examine your statement and report any such errors to us within 30 days of when we require more time first send or make the first statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours. If you do not provide us with timely notice you will not be entitled to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigationinterest on any refundable amount. If we decide can establish that you failed to do thisperform either of these duties with respect to an erroneous payment and that we incurred a loss as a result of the failure, we will provisionally credit your Payment Account within ten (10) Business Days you are liable to us for the amount you think is in error. If we ask you to submit of the loss not exceeding the amount of your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occurorder.

Errors and Questions. In case of errors or questions about regarding an Online Services, or transaction, notify us immediately by contacting us in the manner provided in Section 8 of this Agreement. You agree that the time you have to examine your transactionsstatement and report to us will depend on the circumstances, you should as soon as possible notify Administrator via one but will not, in any circumstance, exceed a total of 60 days from when the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect first sent or you need more information about a BillSuite Service transaction listed on the statementmade available to you. Furthermore, we must hear from you at the specified telephone number or address no later than sixty (60) 60 days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your ● Your name and account number; W Describe . ● A description of the error or the transaction transfer in question, question and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the . ● The dollar amount of the suspected errorerror and date on which it occurred. If you tell us verballyyour report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after your verbal notificationDays. We will tell notify you with the results of our the investigation within ten (10) Business Days after we hear from you, BusinessDays and will correct any error promptly. However, if we require If more time is needed, however, we may take up to confirm the nature of your 45 days to investigate a complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount until the investigation is completed. If an alleged error involves an electronic funds transfer during the first thirty (30) Days after the first deposit to the account was made, the applicable time periods for action by us are twenty (20) Business Days (instead of 10) and ninety (90) days (instead of 45). We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, the investigation and we will send you a written explanationexplanation if we determine that there was no error. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that we may revoke any provisional credit provided respond to you if we find an error did by e-mail with regard to any claim of unauthorized electronic funds transfer related to the Service. Any such electronic mail sent to you by us shall be considered received within three (3) days of the date sent by us, regardless of whether or not occuryou sign on to the Service within that time frame.

Errors and Questions. In case of errors error or questions about your transactionselectronic transfers, you should as soon as possible notify Administrator via one of the followingshould: W Telephone us at ▇▇▇ for Home Banking Users, call: ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇option 0 or 1-800-543-5000 option 0. For ▇▇▇▇ Payment Users, call: ▇▇▇-▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199option 0 or 1-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If 800-543-5000 option 0. Initiate a Payment Inquiry on your PC or call us by telephone as soon as you can if you think that your account statement is incorrect wrong or you need more information about a BillSuite Service transaction transfer listed on your statement or appearing on the statement, we Account Statement screen of your PC. We must hear from you no later than sixty (60) days after you received the FIRST statement was sent to you on or PC notification in which the problem or error appears. You must: W appeared. a) Tell us your name and account Account number; W . b) Describe the error or the transaction in questiontransfer you are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W . c) Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate your complaint or questions. If we decide to do this, we will provisionally re-credit your Payment Account within ten (10) Business Days BUSINESS days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigations. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business DaysBUSINESS days, we may not provisionally re-credit your Payment Account. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within three (3) BUSINESS days after we finish our investigation. You may ask for copies of documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionselectronic transfers, you should as soon as possible notify Administrator via one of the following: W Telephone contact us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If immediately if you think your account periodic statement is incorrect wrong or if you need more information about a BillSuite Service transaction listed on the statement, we transfer.. We must hear from you no later than sixty (60) days after the FIRST periodic statement was sent made available to you on which the problem or error appearsappeared. You mustwill need to tell us the following: W Tell us your • Your name and account number; W number (if any). • Describe the error error, payment, or the transaction in questiontransfer you are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W Tell us the . • The dollar amount of the suspected error. If you tell us verballyorally, we may require that you to send your us the complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate a complaint or question. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Accountaccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider Electronic Check Conversion‌‌‌ You may revoke any provisional credit provided authorize a merchant or other payee to you if we find an error did not occurmake a one-time electronic payment from your checking account using information from your check to: (i) pay for purchases; and (ii) pay bills.

Errors and Questions. In case Case of errors Errors or questions about your transactions, you should as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-Questions Regarding a BEACON Online Banking or ▇▇▇▇ during customer service hours; and/orPayment Transaction, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations call Beacon Business Bank at one of our branch locations San ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇: (▇▇▇ ▇) ▇▇▇-▇▇▇▇ AIM 199-3517 Peninsula Branch: (▇▇▇) ▇▇▇▇▇▇▇▇▇, ▇▇ ▇-▇▇▇▇ If East Bay Branch: (▇▇▇)▇▇▇-▇▇▇▇ Or write us at: as soon as you can, if you think your account statement is incorrect wrong or if you need more information about a BillSuite Service transaction transfer listed on the statement, we . We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your  Your name and account number; W Describe .  A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the .  The dollar amount of the suspected error. If you tell us verballythe report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days after we hear from you, you and will correct any error promptly. However, if we require If more time to confirm the nature of your complaint or questionis needed, however, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Accountaccount. If an alleged error involves a new account, point-of-sale, or foreign-initiated transfer, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three Business Days (3) business days after completing our investigation. If we decide determine that there was no errorerror occurred, we will send you a written explanation. You may ask for request copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should as soon as possible notify Administrator via one of the following: W Telephone telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or▇, W Write 8 a.m.-5 p.m. (Central Time), Monday through Friday, or write us at: BNY Mellon Investment Servicing Trust Company BTS Operations Waypoint Bank ▇▇ ▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If NE 69130 as soon as you can, if you think your account statement or receipt is incorrect wrong or if you need more information Information about a BillSuite Service transaction listed on the statement, we statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W will need to: a. Tell us your name and account number; W Account number (if any); b. Describe the error or the transaction in questionyou are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W and c. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you to send us your complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days following the date you notified us. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate your complaint or question. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigationaccount. If we decide that determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionsregarding an Online Banking transaction, you should as soon as possible notify Administrator via one of the following: W Telephone us may call Rayne Building and Loan Association at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about write a BillSuite letter and send it to: Rayne Building and Loan Association Attention: Customer Service transaction listed on the statementP O Box 46 Rayne, we LA 70578 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your * Your name and account number; W Describe . * A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the . * The dollar amount of the suspected error. * The date on which it occurred. If you tell us verballythe report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after from your verbal notificationinitial contact. We will tell notify you with the results of our the investigation within ten (10) Business Days after we hear from you, you contact us and will correct any error promptly. However, if we require If more time to confirm the nature of your complaint or questionis needed, however, we reserve the right to may, at our sole discretion, take up to forty-five (45) calendar days to complete our investigationinvestigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation is completed. We will tell you If your notice of error concerns a transaction that occurred during the results within three first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days after completing our investigationin place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that ▇▇▇▇▇ Building and Loan Association may revoke any provisional credit provided respond to you if we find an error did by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by the Association shall be considered received within three (3) Business Days of the date sent by ▇▇▇▇▇ Building and Loan Association, regardless of whether or not occuryou sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the following: W following methods: 1. Telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; 2. Contact us by using the secure messaging feature within the Service; and/or, W or 3. Write to us at: BNY Mellon Investment Servicing Trust Company BTS Operations at ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W • Tell us your name name, relevant Service account number(s), and account numberAccess ID; W • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W • Telephone us at ▇▇▇ ▇-▇▇▇-▇▇▇▇ during customer service hours; and/or• Contact us by using the secure messaging feature within the Service; or • Write to us at Farmers National Bank, W Write us atAttn: BNY Mellon Investment Servicing Trust Company BTS Operations Customer Contact Center, ▇▇▇ ▇▇. ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W  Telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or Contact us by using the secure messaging feature within the Service; or  Write to us at Bank of the Bluegrass & Trust Co., W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or ▇▇▇▇ Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W  Tell us your name name, relevant Service account number(s), and account numberUser Name; W  Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and,  Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W User ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five forty‐five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of the documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionselectronic transfers or payments, you should as soon as possible notify Administrator via one of should: i. Telephone UMB Online Banking Support at 800.699.8702, or, if you are calling from the followingKansas City metropolitan area, 816.860.5798, or ii. Write to: W Telephone us at ▇▇▇ ▇▇▇UMB Online Banking Support Dept. 118 Mail Stop 1110402 PO Box 419226 Kansas City, MO 64141-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we 6226 We must hear from you no later than sixty (60) days after you received the FIRST statement was sent to you or notification on your PC or other electronic device in which the problem or error appears. You must: W appeared. (a) Tell us your name and account number; W Account Number. (b) Describe the error or the transaction in questiontransfer you are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W . (c) Tell us the dollar amount of the suspected error. If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days. iii. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-forty- five (45) days to complete our investigationinvestigate your complaint or question. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Accountaccount. For 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. iv. We will tell you the results within three Business Days (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionsregarding an Online Banking or Online Bill Payment transaction, you should as soon as possible notify Administrator via one of the following: W Telephone us may call Winchester Savings Bank at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or-▇▇▇▇, W Write us ator write a letter and send it to: BNY Mellon Investment Servicing Trust Company BTS Winchester Savings Bank Attention: Deposit Operations ▇▇▇ ▇▇▇▇▇ ▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇Winchester, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we MA 01890 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your * Your name and account number; W Describe . * A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the . * The dollar amount of the suspected error. * The date on which it occurred. If you tell the report is made to us verballyorally, we may require that you send your the complaint or question in writing within ten (10) )** Business Days after from your verbal notificationinitial contact. We will tell notify you with the results of our the investigation within ten (10) )** Business Days after we hear from youyou contact us, and we will correct any error promptly. However, if we require If more time to confirm the nature of your complaint or questionis needed, however, we reserve the right to may, at our sole discretion, take up to forty-five (45) )** calendar days to complete our investigationinvestigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) )** Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation is completed. We will tell you ** If your notice of error concerns a transaction that occurred during the results within three first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days after completing our investigationin place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determine that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that Winchester Savings Bank may revoke any provisional credit provided respond to you by email with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Winchester Savings Bank shall be considered received within three (3) Business Days of the date sent by Winchester Savings Bank, regardless of whether or not you sign on to the Service within that time frame. We will use the email address that appears in our records. If you change your email address, you are responsible for providing us with your new email address. Winchester Savings Bank will be responsible for acting only on those instructions sent through Online Banking that are actually received and cannot assume responsibility for circumstances over which we have no direct control. This includes but is not limited to, the failure of or malfunctions in communication facilities which may affect the accuracy or timeliness of messages you send. Winchester Savings Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service. Any information you receive from Winchester Savings Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Winchester Savings Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information. Winchester Savings Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking and making online bill payments. Winchester Savings Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Winchester Savings Bank's liability shall be as expressly set forth herein. Under no circumstances will Winchester Savings Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable, and whether or not we have been informed of the possibility of such damages. By consenting to use the Services, you agree to waive any and all rights to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein. Winchester Savings Bank will be responsible for your losses, as allowed by law, if they were directly caused by our failure to complete or cancel an Electronic Funds Transfer as properly requested by you. However, we will NOT be responsible for your losses if: * through no fault of Winchester Savings Bank, you do not have enough money in your account to make the transfer. * through no fault of Winchester Savings Bank, the transaction would have caused you to exceed your available credit. * circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. * there is a hold on your account, or if access to your account is blocked in accordance with bank policy. * your funds are subject to legal process or other encumbrance restricting the transfer. * your transfer authorization terminates by operation of law. * you believe someone has accessed your accounts without your permission and you fail to notify Winchester Savings Bank immediately. * you have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the payee refuses the payment.* if any payee fails to correctly account for or credit the payment in a timely manner. * we have received incomplete or inaccurate information from you or a third party involving the account or transfer. * the payee's address or account number changes and you do not provide timely notice to us of the change. * we have a reasonable basis for believing that unauthorized use of your Password or Account has occurred or may be occurring, or if you default under this Agreement, any applicable deposit account agreement, credit agreement, or any other agreement with us, or if we find or you terminate this Agreement. There may be other exceptions stated in this Agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages, even if we are informed of the possibility of such damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. If you send Winchester Savings Bank an error did electronic mail message through the Service, Winchester Savings Bank will be deemed to have received it on the following Business Day. Emails will be answered within a reasonable timeframe. You should not rely on electronic mail if you need to communicate with Winchester Savings Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur). You agree that Winchester Savings Bank may respond to you by electronic mail with regard to any matter related to the Services, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Winchester Savings Bank shall be considered received within three (3) days of the date sent by Winchester Savings Bank, regardless of whether or not you sign on to the Service or check your emails within that time frame. Online Banking alerts allow you to set up automated alert events based on criteria you select. Alerts may be sent via email or in an online message within Online Banking, or both. Email alerts will be sent to the email address you provide in creating the alert. If you change your email address, you are responsible for updating the alerts you have already set up with your new email address. You agree that: • We may add or remove types of alerts from time to time. • Alerts may be delayed or prevented for a variety of reasons beyond our control, and we cannot guarantee the delivery or validity of the contents of any alert. • You agree that we shall not be liable for any delays, delivery failure or misdirected delivery of any alert, or for any actions taken or not taken by you or anyone else in reliance on an alert. • The Bank will never include your password or full account number in an email alert; however, alerts may include your name and some information about your accounts.

Errors and Questions. In case Case of errors Errors or questions about Questions About your transactionsElectronic Transfers, you should Call or Write to us at the telephone number or address listed below, as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/oryou can, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If if you think your account statement is incorrect wrong or if you need more information about a BillSuite Service transaction transfer or payment listed on the statement, we . We must hear from you no later than sixty (60) 60 days after we sent the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W Tell us your name and account number; W . Describe the error or the transaction in question, transfer you are unsure about and explain as clearly as possible you can why you believe it is an error or why you need more information; and W . Tell us the dollar amount of the suspected error. If you tell us verballyorally, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notification10 business days. We will tell you the results of our investigation determine whether an error occurred within ten 10 business days (1020 business days for new accounts) Business Days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if however, we require more time may take up to confirm the nature of 45 days (90 days for new accounts or point- of-sale or foreign-initiated transfers) to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten 10 business days (1020 business days for new accounts) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within three Business Days business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided First National Bank of ▇▇▇▇▇▇▇▇ ▇▇▇ ▇. ▇▇▇▇▇▇ / P O Box 269 Giddings TX 78942‌ We will disclose information to third parties about your account or the transactions you if we find an error did not occur.make:

Errors and Questions. In case of errors or questions about your electronic transactions, you should as soon as possible notify Administrator via one of the following: W Telephone telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or▇, W Write 8 a.m.-5 p.m. (CST), Monday through Friday, or write us at: BNY Mellon Investment Servicing Trust Company BTS Operations Bank of The Valley ▇.▇. ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If as soon as you can, if you think your account statement or receipt is incorrect wrong or if you need more information about a BillSuite Service transaction listed on the statement, we statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W Tell will need to a. tell us your name and account number; W Describe Account number (if any); b. describe the error or the transaction in questionyou are unsure about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W Tell and c. tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you to send us your complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days following the date you notified us. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days business days, (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you, and you we will correct any error promptly. HoweverIf we need more time, if we require more time to confirm the nature of your complaint or questionhowever, we reserve the right to may take up to forty-five (45) days to complete our investigationinvestigate your complaint or question. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Daysbusiness days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigationaccount. If we decide that determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionselectronic transfers or payments, you should contact us at any time, seven days a week, or write us as soon as possible notify Administrator via one of you can, at the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If address or phone number set forth in Section 3 if you think that your account statement is incorrect wrong or if you need more information about a BillSuite Service transaction transfer or payment listed on the statement, we . We must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearsappeared. You must: W Tell us your name and the account number; W number(s) of the account(s) involved. Describe the error or the transaction in questiontransfer or payment you are uncertain about, and explain as clearly as possible you can why you believe it is an error or why you need more information; and W . Tell us the dollar amount of the suspected error. If you tell us verballyin person or by telephone, we may require that you send us your complaint or question in writing within ten (10) Business Days after your verbal notificationDays. 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, you and will correct any error promptly. HoweverIf we need more time, however, we may take up to 45 days (90 days if we require more time the transfer involved a new account) to confirm the nature of investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten 10 business days (1020 business days if the transfer involved a new account) Business Days for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. We will tell Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you the results within three Business Days after completing our investigationalready has an established account with us before this account is opened. If we decide that find there was no error, we will send you a written explanationexplanation within three (3) Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. The BillSuite Service Provider ; if we provisionally credit your account, we may revoke take back the amount of any provisional credit provided to you if we find that an error did not occur.. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND ▇▇▇▇ PAYMENT SERVICES FOR BUSINESS ACCOUNTS

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W  Telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer service hours; and/or Contact us by using the secure messaging feature within the Service; or  Write to us at Community State Bank, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇.▇. ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇, ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ ▇. If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or ▇▇▇▇ Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell may take up to 20 business days to credit a new account for the amount you the results within three Business Days after completing our investigationthink is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W • Telephone us at ▇▇▇ ▇▇▇at580-▇▇▇▇ during 423-7541during customer service hours; and/or, W 9:00AM-4:30PM • Contact us by using the secure messaging feature within the Service; or • Write to us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇at Anchor D Bank ▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇ ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W • Tell us your name name, relevant Service account number(s), and account numberAccess ID; W • Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionsregarding an On-line Banking or ▇▇▇▇ Payment transaction, you should as soon as possible notify Administrator via one of the following: W Telephone us at may call ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇ at ▇▇▇-▇▇▇-▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about write a BillSuite Service transaction listed on the statement, we letter and send it to: We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your • Your name and account number; W Describe number • A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the . • The dollar amount of the suspected errorerror • The date on which it occurred. If you tell us verballythe report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after from your verbal notificationinitial contact. We will tell notify you with the results of our the investigation within ten (10) Business Days after we hear from you, you contact us and will correct any error promptly. However, if we require If more time to confirm the nature of your complaint or questionis needed, however, we reserve the right to may, at our sole discretion, take up to forty-five (45) calendar days to complete our investigationinvestigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation is completed. We will tell you If your notice of error concerns a transaction that occurred during the results within three first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days after completing our investigationin place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that ▇▇▇ ▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇ ▇▇▇▇ may revoke any provisional credit provided respond to you if we find an error did by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by ▇▇▇ ▇▇▇▇ ▇▇ ▇▇▇ ▇▇▇▇ ▇▇▇▇ shall be considered received within three (3) Business Days of the date sent by 1st Bank of Sea Isle City, regardless of whether or not occuryou sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the following: W Telephone us at ▇▇▇ ▇▇▇-▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W a. Tell us your name name, relevant Eligible Account number(s), and account number; W Username; b. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, c. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and we will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-forty- five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider We may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionsregarding an Online Banking or Online Bill Payment transaction, you should as soon as possible notify Administrator via one of the following: W Telephone us may call Security Federal Savings Bank at ▇▇▇ ▇▇▇-▇▇▇-▇▇▇▇, or write a letter and send it to: Security Federal Savings Bank Attention: Customer Service ▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement was sent to you on which the problem or error appearsappeared. You mustWe will need: W Tell us your * Your name and account number; W Describe . * A description of the error or the transaction transfer in question, and explain as clearly as possible an explanation concerning why you believe it is an error or why you need more information; and W Tell us the . * The dollar amount of the suspected error. * The date on which it occurred. If you tell us verballythe report is made orally, we may require that you send your the complaint or question in writing within ten (10) Business Days after from your verbal notificationinitial contact. We will tell notify you with the results of our the investigation within ten (10) Business Days after we hear from you, you contact us and will correct any error promptly. However, if we require If more time to confirm the nature of your complaint or questionis needed, however, we reserve the right to may, at our sole discretion, take up to forty-five (45) calendar days to complete our investigationinvestigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask This will allow you to submit use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing and we do not receive it within ten (10) Business DaysDays from your original contact, we may not provisionally credit your Payment Accountaccount until the investigation is completed. We will tell you If your notice of error concerns a transaction that occurred during the results within three first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days after completing our investigationin place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may ask for request copies of the documents that were used in our the investigation. The BillSuite Service Provider You agree that Security Federal Savings Bank may revoke any provisional credit provided respond to you if we find an error did by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Security Federal Savings Bank shall be considered received within three (3) Business Days of the date sent by Security Federal Savings Bank, regardless of whether or not occuryou sign on to the Service within that time frame.

Errors and Questions. a. In case of errors or questions about your transactions, you should as soon as possible notify Administrator us via one of the following: W Telephone us : i. Contact Us at ▇▇▇ ▇.▇▇▇-.▇▇▇▇ during customer service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations or ▇▇▇ ▇.▇▇▇.▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199 ii. Contact Us by using the Application’s e-3517 ▇▇▇▇▇▇▇▇▇▇▇▇messaging feature; and/or, iii. Write Us at: Bell Bank P.O. Box 10877 Fargo, ▇▇ ▇▇▇▇▇ ND 58106-0877 b. If you think your account periodic statement is incorrect or you need more information about a BillSuite Service transaction listed on the periodic statement, we must hear from you no later than sixty (60) days after the FIRST periodic statement was sent to you on which the problem or error appears. You must: W : i. Tell us your name and account number; W Account Number; ii. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, iii. Tell us the dollar amount of the suspected error. . c. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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, you and will correct any error promptly. HoweverIf we need more time, however, we may take up to 45 days (90 days if we require more time the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to confirm the nature of investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten 10 business days (1020 business days if the transfer involved a new account) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment 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 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W • Telephone us at ▇▇▇ ▇-▇▇▇-▇▇▇▇ during customer service hours; and/or, W • Contact us by using the secure messaging feature within the Service; or • Write to us at: BNY Mellon Investment Servicing Trust Company BTS Operations at ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇, ▇.▇. ▇▇▇ ▇▇▇▇▇ AIM 199-3517 , ▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇ ▇▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or ▇▇▇▇ Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W Access ID; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three may take up to 20 Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactions, you should notify SAFE as soon as possible notify Administrator via one of the following: W following methods: a. Telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ or (800) SEE-SAFE during customer service business hours; and/or, W . b. Contact us by using the application's e-messaging feature. c. Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations SAFE Credit Union ▇▇▇▇ Payment Service ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ AIM 199-3517 ▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇-▇▇▇▇ If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : a. Tell us your name and account number; W ; b. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, c. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days (20 Business Days if the transfer involved a new account) after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days (90 days if the transfer involved a new account) to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days (20 Business Days if the transfer involved a new account) for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. We will tell you the results within three Business Days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify Administrator us via one of the following: W : a. Telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer business hours b. Contact us during business hours using our online chat service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ://▇▇▇▇▇▇▇▇▇.▇▇▇/ c. Send us a secure message by logging in to online banking d. Write us at: United Federal Credit Union PO Box 125 Saint ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ MI 49085 If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST first statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name and account member number; W ; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days 10 business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if however, we require more time may take up to confirm the nature of 45 days to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. For 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 tell you the results within three Business Days business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactions, you should as soon as possible notify Administrator us via one of the following: W : a. Telephone us at (▇▇▇ ▇) ▇▇▇-▇▇▇▇ during customer business hours b. Contact us during business hours using our online chat service hours; and/or, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ://▇▇▇▇▇▇▇▇▇.▇▇▇/ c. Send us a secure message by logging in to online banking d. Write us at: United Federal Credit Union ▇▇ ▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ MI 49085 If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST first statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name and account member number; W ; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation determine whether an error occurred within ten (10) Business Days 10 business days after we hear from you, you and will correct any error promptly. HoweverIf we need more time, if however, we require more time may take up to confirm the nature of 45 days to investigate your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to submit put your complaint or question in writing and we do not receive it within ten (10) Business Days10 business days, we may not provisionally credit your Payment Accountaccount. For 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 tell you the results within three Business Days business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your transactionsmy electronic transfers, I should telephone you should as soon as possible notify Administrator via one of the following: W Telephone us at ▇▇▇ (▇▇▇-)▇▇▇▇▇▇▇ during customer service hours; and/oror write to Together Credit Union, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ If you St. Louis, MO 63118, as soon as I can if I think your account my statement is incorrect wrong or you if I need more information about a BillSuite Service transaction transfer listed on the statement, we . I must hear from notify you no later than sixty (60) 60 days after you sent me the FIRST first statement was sent to you on which the error or problem or error appearsappeared. You mustI will need to tell you: W Tell us your • My name and account number; W Describe the error or the transaction in question, and explain as clearly as possible why you • Why I believe it there is an error or why you need more information; and W Tell us the dollar amount of involved; • Approximately when the suspected errorerror took place. If I tell you tell us verballyorally, we you may require that you I send your my complaint or question in writing within ten (10) Business Days after your verbal notificationbusiness days. We You will tell you me the results of our your investigation within ten (10) Business Days after we hear from you, business days and will correct any error promptly. HoweverIf you need more time, if we require more time to confirm the nature of your complaint or question, we reserve the right to you may take up to forty-five (45) 45 days to complete our investigationinvestigate (90 days if the transfer involved a new account, point-of-sale transaction or a foreign-initiated transfer). If we you decide to do this, we you will provisionally credit your Payment Account my account within ten 10 business days (105 business days for ATM or Visa check card point-of-sale transactions and 20 business days if the transfer involved a new account) Business Days for the amount you I think is in error, so that I will have use of the money during the time it takes you to complete your investigation. If we you ask you me to submit your put my complaint or question in writing and we you do not receive it within ten (10) Business Days10 business days, we you may not provisionally credit your Payment Accountmy account. We An account is considered a new account for the first 30 days after the first deposit is made, unless I already have an established account with you before this account is opened. You will tell you me the results within three Business Days business days after completing our your investigation. If we decide you determine that there was no error, we you will send you me a written explanationexplanation within three (3) business days after you complete your investigation, and you may reverse any temporary credits made to my account pending the completion of the investigation. You I may ask for copies of the documents that were used in our the investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. (The following error resolution guidelines are provided through CheckFree Services Corporation, a division of Fiserv.) In case of errors or questions about your transactions, you should as soon as possible notify Administrator us via one of the following: W : a. Telephone us at ▇▇▇-▇▇▇-▇▇▇▇ (locally) or ▇▇▇-▇▇▇-▇▇▇▇ during customer service hours; b. Contact us by emailing us at ▇▇▇▇@▇▇▇▇▇▇.▇▇▇; and/or, W , c. Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations Redstone Federal Credit Union Attn: Member Support Service ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇. NW Huntsville, ▇▇ ▇▇▇▇▇ AL 35893 If you think your account statement is incorrect or you need more information about a BillSuite Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : a. Tell us your name and Service account number; W ; b. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and, c. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally provi- sionally credit your Payment Account. We If it is determined there was no error we will tell mail you the results a written explanation within three (3) Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transactions, you should notify us as soon as possible notify Administrator via through one of the followingfollowing methods: W • Telephone us at (▇▇▇ ▇)▇▇▇-▇▇▇▇ during customer service regular business hours; and/or. • Write to us at Relyance Bank Attn: E-Banking, W Write us at: BNY Mellon Investment Servicing Trust Company BTS Operations ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ , ▇▇▇▇▇ AIM 199-3517 ▇▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ or • Contact us by using the Secure Messaging feature within the Service. If you think your account statement is incorrect or you need more information about a BillSuite Service an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: W : 1. Tell us your name name, relevant Service account number(s), and account number; W User ID. 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and W and 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, you and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Accountaccount. For errors regarding electronic transactions on new accounts, we may take up to ninety (90) days to investigate your complaint or question. We will tell you the results within three may take up to twenty (20) Business Days after completing our investigationto credit a new account for the amount you think is in error. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The BillSuite Service Provider We may revoke any provisional credit provided to you if we find an error did not occur.