Common use of Errors or Questions Clause in Contracts

Errors or Questions. Call or write us, as explained in Section 23, as soon as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error and the dollar amount involved. c. Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call or write us, as explained in Section 23, as soon as you can if If you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error and the dollar involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount involvedcharged to your Card, please call us at (▇▇▇) ▇▇▇-▇▇▇▇, e-mail us at ▇▇▇. c. Approximately when the error took place▇▇▇▇▇▇▇.▇▇▇ or write to us at: Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you tell us orally, we may require that you send us your complaint claim or question in writing within 10 business days. We will determine whether must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error occurred or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account Card within 10 business days for the amount you think is in error, so that you will have access to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Our zero liability policy may protect you from liability for certain unauthorized transactions. This does not apply to ATM transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card, provided such transactions take place on the Visa® network. If you need more information about our errorare grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-resolution procedurescredited to your Card in 5 business days. Also, call usif your account history has transactions that you did not make, as explained in Section 23tell us at once by calling, or visit toll-free, (▇▇▇.) ▇▇▇-▇▇▇▇▇▇. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.▇▇▇.

Errors or Questions. Call or write us, as explained in Section 23, as soon as you can if If you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error and the dollar involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount involvedcharged to your Card, please call us at ▇-▇▇▇-▇▇▇-▇▇▇▇ or write to us at: Cardholder Services ▇. c. Approximately when the error took place▇. ▇▇▇ ▇▇▇▇▇▇ ▇▇. ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. If you tell us orally, we may require that you send us your complaint claim or question in writing within 10 business days. We will determine whether must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error occurred or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account Card within 10 business days for the amount you think is in error, so that you will have access to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you need more information about our errorare grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-resolution procedurescredited to your Card in 5 business days. Also, call usif your account history has transactions that you did not make, as explained in Section 23tell us at once by calling, or visit toll-free, ▇-▇▇▇.-▇▇▇-▇▇▇▇▇▇. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.▇▇▇.

Errors or Questions. Call In case of errors or questions about your electronic transfers, telephone us at: (▇▇▇) ▇▇▇-▇▇▇▇ or toll-free at 1 800-342-8422 or write usus at: Central Pacific Bank Attn: Electronic Banking Department ▇.▇. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, as explained in Section 23, ▇▇ ▇▇▇▇▇-▇▇▇▇ as soon as you can can, if you think an error has occurred in your PayCard Accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent you the FIRST written history statement on which the error or problem appeared. You may request a written history of . (1) Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard numberaccount number (if any). b. Why (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. (3) Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or accounts, point-of-sale sale, or international foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accountsaccounts, we may take up to 20 business days to credit your PayCard Account account for the amount you think is in error. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or write usquestions about your transactions, as explained in Section 23, you should as soon as you can if you think an error has occurred in your PayCard Accountpossible notify us via one of the methods listed at the end of this Agreement. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appearedappears. You may request a written history When notifying us of the error or question: • Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard account number. b. Why ; • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there it is an error or why you need more information. • Tell us the date and the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts We will determine whether an error occurred within 10 business days (20 business days if your account has been opened for 30 days or point-of-sale or international transactionsless) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if your account has been open for 30 days or less) to investigate your complaint or question. For new PayCard AccountsIf we decide to do this, we may take up to will credit your account within 10 business days (20 business days to credit if your PayCard Account account has been open 30 days or less) 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 you are a new customer, an account is considered a new account for 30 days after the first deposit is made. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you need more information about our error-resolution procedures, call us, as explained make ONLY in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.the following situations:

Errors or Questions. Call In case of errors or questions about your electronic transfers, call or write us, as explained us at the telephone number or address listed in Section 23this document, as soon as you can can, if you think an error has occurred in your PayCard Accountstatement is wrong or if you need more information about a transfer listed on the statement. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of • Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard account number. b. Why . • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error or why need more information. • Tell us the date and the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. Every day is a business day except Saturdays, Sundays and Federal Holidays. We will determine whether an error occurred within 10 business days of hearing (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 within10 business days, we may not provisionally credit your account. For errors involving Your account is considered a new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call or write us, as explained in Section 23, as soon as you can if If you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error and the dollar involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount involvedcharged to your Card, please call us at (▇▇▇) ▇▇▇-▇▇▇▇, e-mail us at ▇▇▇. c. Approximately when the error took place▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send us your complaint claim or question in writing within 10 business days. We will determine whether must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error occurred or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account Card within 10 business days for the amount you think is in error, so that you will have access to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you need more information about our errorare grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re-resolution procedurescredited to your Card in 5 business days. Also, call usif your account history has transactions that you did not make, as explained in Section 23tell us at once by calling, or visit toll-free, (▇▇▇.) ▇▇▇-▇▇▇▇▇▇. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.▇▇▇.

Errors or Questions. Call or write us, as explained in Section 23, as soon as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error and the dollar amount involved. c. Approximately when the error took place. place If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-error resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or write usquestions about your electronic funds transactions through the Service, as explained in Section 23you should, as soon as you can if possible: If you think an error has occurred in that your PayCard Account. We statement is wrong or you need more information about a transaction listed on your statement or appearing on the account activity screen of your Access Device, we must allow hear from you to report an error until 60 no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history appeared or you received notification of the problem or error on/our Access Device. a) Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard the Service Account number. b. Why b) Describe the error or the transaction you are unsure about and explain as clearly as you can why you believe there it is an error and or why you need more information. c) Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred within 10 business ten (10) Business Days [twenty (20) Business Days for transactions that have occurred within thirty (30) days of hearing after the first deposit to the account] after we hear from you and will correct any error promptly. If we need require more time, however, we may take up to 45 forty-five (45) days [ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account] to investigate your complaint or question. If we decide to do thisthis additional time is necessary, and your written notification has been received by us, we will credit your account within 10 business ten (10) Business Days [twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account] for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days [twenty (20) Business Days for transactions that have occurred within thirty (30) days after the first deposit to the account], we may will not credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, account and we may take will still have up to 90 forty-five (45) days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.[ninety

Errors or Questions. Call or write us, as explained in Section 23, as soon as you can if If you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error and the dollar involving a transaction made with your Card such as a purchase you didn't make or an incorrect amount involvedcharged to your Card, please call us at (▇▇▇) ▇▇▇-▇▇▇▇, e-mail us at ▇▇▇. c. Approximately when the error took place▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or write to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you tell us orally, we may require that you send us your complaint claim or question in writing within 10 business days. We will determine whether must hear from you no later than 60 days after the transaction is posted to your account. Tell us your name and Card number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error occurred or why you need more information. Tell us the dollar amount of the suspected error. Generally, we will tell you the results of our investigation within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account Card within 10 business days for the amount you think is in error, so that you will have access to use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigationCard. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation and any credit made under the preceding paragraph must be repaid by you. You may ask for copies of the documents that we used in our investigation. Our zero liability policy may protect you from liability for certain unauthorized transactions. Under our zero liability policy, unless you have been grossly negligent or have been engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen Card. If you need more information about our errorare grossly negligent or have engaged in fraudulent conduct, you could lose all the money in your account. A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way. Any unauthorized transactions will be re- credited to your Card in 5 business days. Also, if your account history has transactions that you did not make, tell us at once by calling, toll-resolution proceduresfree, call us, as explained in Section 23, or visit (▇▇▇.) ▇▇▇-▇▇▇▇▇▇. If you do not tell us within 60 days after the transaction was posted to your account, you may not get back any money you lost if we can prove we could have stopped someone from fraudulently using the Card if you had told us in time. If we believe that a good reason kept you from telling us, we will extend the time periods.▇▇▇.

Errors or Questions. Call In case of errors or write usquestions about your electronic payments or transfers using the Services, contact us as explained noted above in Section 23the Contact in Event of Unauthorized Use section. If you think your statement is incorrect or if you need more information about a transfer listed on the statement, contact us as soon as you can if you think an error has occurred in your PayCard Accountpossible. We must allow hear from you to report an error until 60 not later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the problem or error appeared. You may request a written history of , and you must: ▪ Indicate your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard Account number. b. Why ; ▪ Describe the transfer or other error; clearly and concisely explain why you believe there it is an error and or why you need more information; ▪ Indicate the dollar amount involved. c. Approximately when of the error took placesuspected error. If you verbally tell us orallyus, we may require that you send us your complaint or question in writing within 10 business daysBusiness Days. We may also require you to provide your complaint in the form of an affidavit. We will determine whether an error occurred let you know the results of our investigation within 10 business days of hearing from you Business Days and will promptly correct any error promptlyerror. If we need more time, howevertime is needed, we may take up to 45 days to investigate and address your complaint or question. If we decide to do thisso, we will provisionally re-credit your account Account within 10 business days Business Days for the amount you think is believe to be in error, so that error in order for you will to have access to the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysBusiness Days, we may not provisionally re-credit your accountAccount. For errors involving If you are a new PayCard Accounts or point-of-sale or international transactionsmember, we may take up for electronic funds transfer occurring during the first 30 days after the first deposit is made to 90 days to investigate your complaint or question. For new PayCard AccountsAccount, we may take the applicable time periods for action by us is up to 20 business Business Days (instead of 10) and 90 calendar days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days instead of completing our investigation45). If we decide determine that there was is no error, we will send you a written explanationremit an explanation within 3 Business Days after completion of our investigation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In Case of Errors or Questions About your Electronic Transfers, call us at the telephone number or write us, as explained in Section 23us at the address listed below, as soon as you can can, if you think an error has occurred in your PayCard Accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard account number. b. Why . Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of- sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving Your account is considered a new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account account for the amount first 30 days after the first deposit is made, unless you think already have an established account with us before the account is in erroropened. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution proceduresBusiness Days: Monday through Friday, call us, as explained in Section 23, or visit 9:00 a.m. to 5:00 p.m. Excluding Federal Holidays Citizens Bank of Ada ▇▇▇ ▇. ▇▇▇.▇ ▇▇. Ada, OK 74820 (▇▇▇)▇▇▇.-▇▇▇.▇ We will disclose information to third parties about your account or the transactions you make only:

Errors or Questions. Call If you think your statement is wrong, or you need more information about a transfer listed on the statement, contact Citizens First Bank at ▇▇▇-▇▇▇-▇▇▇▇ or write usus at ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, as explained in Section 23▇▇▇▇▇▇▇, as soon as you can if you think an error has occurred in your PayCard Account▇▇ ▇▇▇▇▇.  We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appearedappears. You may request a written history of your transactions at any time by calling or writing  When notifying us, tell us your name, user ID and account number.  Describe the error on the transfer in question, and explain as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why clearly as you can why you believe there it is an error or why you need more information.  Tell us the date and the dollar amount involved. c. Approximately when of the error took placesuspected error.  If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts  We will determine whether an error occurred within 10 business days (20 business days if your account has been opened for 30 days or point-of-sale or international transactionsless) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if your account has been open for 30 days or less) to investigate your complaint or question. For new PayCard AccountsIf we decide to do this, we may take up to will credit your account within 10 business days (20 business days to credit if your PayCard Account account has been opened for 30 days or less) 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 you are a new customer, an account is considered a new account for 30 days after the first deposit is made.  We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or write usquestions about the Services, as explained in Section 23, please contact us as soon as possible, as follows: Telephone us at: 1-877-MTB-HSA1 / ▇-▇▇▇-▇▇▇-▇▇▇▇ Write us at: M&T Bank PO Box 2032 Milwaukee WI 53201-2032 E-mail us through internal e-mail. If you can think that your statement is wrong or if you think an error has occurred in your PayCard Accountneed more information about a transfer listed on the statement. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard account number. b. Why . Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred tell you the results of our investigation within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit recredit your account within 10 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit recredit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call or write us, as explained in Section 23, as soon as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why you believe there is an error and the dollar amount involved. c. Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or questions about your electronic transfers, telephone us at: (▇▇▇) ▇▇▇-▇▇▇▇ or toll-free at ▇ ▇▇▇-▇▇▇-▇▇▇▇ or write usus at: Central Pacific Bank Attn: Electronic Banking Department ▇.▇. ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, as explained in Section 23, ▇▇ ▇▇▇▇▇-▇▇▇▇ as soon as you can can, if you think an error has occurred in your PayCard Accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent you the FIRST written history statement on which the error or problem appeared. You may request a written history of . (1) Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard numberaccount number (if any). b. Why (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. (3) Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or accounts, point-of-sale sale, or international foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accountsaccounts, we may take up to 20 business days to credit your PayCard Account account for the amount you think is in error. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or write usquestions about your electronic transactions, telephone us at (▇▇▇) ▇▇▇-▇▇▇▇ during normal banking hours or write: Triad Bank Attention: Online Banking PO Box 35567 Tulsa, OK ▇▇▇▇▇-▇▇▇▇ Contact the Bank if you believe your statement or receipt is wrong, or if you need more information about a transaction listed on your statement or receipt. You must: 1. Tell us your name and account number 2. Describe the error or payment you are unsure about, and explain as explained in Section 23, as soon clearly as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why why you believe there it is an error and or why you need information. 3. Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may will require that you send us your complaint or question in writing within 10 business daysdays following the date you notified us verbally. We You may be required to provide your complaint in the form of an affidavit. Within 10 business days after we hear from you in writing, we will determine whether an error occurred within 10 business days of hearing from you and will correct any error promptlypromptly - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have access to use of the money during the time it takes us to complete our investigationinvestigation - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re- credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide determine that there was is no error, we will reverse any previously credited amount. We will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or questions about your electronic transfers, telephone us at: (▇▇▇) ▇▇▇-▇▇▇▇ or toll-free at ▇ ▇▇▇-▇▇▇-▇▇▇▇ or write usus at: Central Pacific Bank Attn: Electronic Banking Department P.O. Box 3590 Honolulu, as explained in Section 23, HI 96811-3590 as soon as you can can, if you think an error has occurred in your PayCard Accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent you the FIRST written history statement on which the error or problem appeared. You may request a written history of . (1) Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard numberaccount number (if any). b. Why (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. (3) Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or accounts, point-of-sale sale, or international foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accountsaccounts, we may take up to 20 business days to credit your PayCard Account account for the amount you think is in error. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or write usquestions about your electronic funds transactions through the Service, as explained in Section 23you should, as soon as you can if possible: If you think an error has occurred in that your PayCard Account. We statement is wrong or you need more information about a transaction listed on your statement or appearing on the account activity screen of your Access Device, we must allow hear from you to report an error until 60 no later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history appeared or you received notification of the problem or error on/our Access Device. a) Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard the Service Account number. b. Why b) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. c) Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred within 10 business ten (10) Business Days [twenty (20) Business Days for transactions that have occurred within thirty (30) days of hearing after the first deposit to the account] after we hear from you and will correct any error promptly. If we need require more time, however, we may take up to 45 forty-five (45) days [ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account] to investigate your complaint or question. If we decide to do thisthis additional time is necessary, and your written notification has been received by us, we will credit your account within 10 business ten (10) Business Days [twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account] for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.ten

Errors or Questions. Call In case of errors or questions about your Internet Banking call the Bank at ▇▇▇- ▇▇▇-▇▇▇▇, or write usto us at Muenster State Bank, as explained in Section 23▇.▇. ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇, as soon as you can can, if you think an error has occurred in your PayCard Accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of . i. Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard account number. b. Why ii. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. iii. Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may will require that you send us your complaint or question in writing within 10 business daysBusiness Days. We will determine whether an error occurred within 10 business days of hearing Business Days (20 Business Days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days Business Days (20 Business Days if the transfer involved a new account) for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysBusiness Days, we may not credit your account. For errors involving Your account is considered a new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before the account is in erroropened. We will tell you the results within three (3) business days of 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 need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or questions about your Internet Banking call the Bank at ▇▇▇-▇▇▇-▇▇▇▇, or write usto us at Muenster State Bank, as explained in Section 23▇.▇. ▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇, as soon as you can can, if you think an error has occurred in your PayCard Accountstatement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of . i. Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard account number. b. Why ii. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. iii. Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may will require that you send us your complaint or question in writing within 10 business daysBusiness Days. We will determine whether an error occurred within 10 business days of hearing Business Days (20 Business Days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days Business Days (20 Business Days if the transfer involved a new account) for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysBusiness Days, we may not credit your account. For errors involving Your account is considered a new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before the account is in erroropened. We will tell you the results within three (3) business days of 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 need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or write usquestions about your electronic payments or transfers using the Services, contact us as explained noted above in Section 23the Contact in Event of Unauthorized Use section. If you think your statement is incorrect or if you need more information about a transfer listed on the statement, contact us as soon as you can if you think an error has occurred in your PayCard Accountpossible. We must allow hear from you to report an error until 60 not later than sixty (60) days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history first statement on which the problem or error appeared. You may request a written history of , and you must:  Indicate your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard Account number. b. Why ;  Describe the transfer or other error; clearly and concisely explain why you believe there it is an error and or why you need more information;  Indicate the dollar amount involved. c. Approximately when of the error took placesuspected error. If you verbally tell us orallyus, we may require that you send us your complaint or question in writing within 10 business daysBusiness Days. We may also require you to provide your complaint in the form of an affidavit. We will determine whether an error occurred let you know the results of our investigation within 10 business days of hearing from you Business Days and will promptly correct any error promptlyerror. If we need more time, howevertime is needed, we may take up to 45 days to investigate and address your complaint or question. If we decide to do thisso, we will provisionally re-credit your account Account within 10 business days Business Days for the amount you think is believe to be in error, so that error in order for you will to have access to the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysBusiness Days, we may not provisionally re-credit your accountAccount. For errors involving If you are a new PayCard Accounts or point-of-sale or international transactionsmember, we may take up for electronic funds transfer occurring during the first 30 days after the first deposit is made to 90 days to investigate your complaint or question. For new PayCard AccountsAccount, we may take the applicable time periods for action by us is up to 20 business Business Days (instead of 10) and 90 calendar days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days instead of completing our investigation45). If we decide determine that there was is no error, we will send you a written explanationremit an explanation within 3 Business Days after completion of our investigation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In Case of Error or write us, Questions About your electronic fund transfers as explained described in Section 234, call a. Tell us your name and account number (if any). b. Describe the error or the transfer you are unsure about, and explain as soon clearly as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why why you believe there it is an error and or why you need more information. c. Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or accounts, point-of-sale sale, or international foreign-initiated transactions, we may take up to 90 90* days to investigate your complaint or question. For new PayCard Accountsaccounts, we may take up to 20 business days to credit your PayCard Account account for the amount you think is in error. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. *If you need more information about our error-resolution proceduresgive notice of an error within 30 days after you make the first deposit to your account, call us, as explained in Section 23notice of an error involving a point of sale transaction, or visit ▇▇▇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 or Questions. Call In case of errors or write usquestions about your electronic transactions, telephone us at (▇▇▇) ▇▇▇-▇▇▇▇ during normal banking hours or write: Triad Bank Attention: Online Banking ▇▇ ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ Contact the Bank if you believe your statement or receipt is wrong, or if you need more information about a transaction listed on your statement or receipt. You must: 1. Tell us your name and account number 2. Describe the error or payment you are unsure about, and explain as explained in Section 23, as soon clearly as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why why you believe there it is an error and or why you need information. 3. Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may will require that you send us your complaint or question in writing within 10 business daysdays following the date you notified us verbally. We You may be required to provide your complaint in the form of an affidavit. Within 10 business days after we hear from you in writing, we will determine whether an error occurred within 10 business days of hearing from you and will correct any error promptlypromptly - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have access to use of the money during the time it takes us to complete our investigationinvestigation - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide determine that there was is no error, we will reverse any previously credited amount. We will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call If you believe there has been an error or you have a question about a transfer, please call or write us, as explained in Section 23, to us as soon as you can if you think an error has occurred in your PayCard Accountstatement or passbook is wrong or if you need more information about a transfer listed on the statement or passbook. We must allow hear from you to report an error until no later than 60 days Calendar Days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent you the FIRST written history statement on which the problem or error appeared. You may request a written history of A statement is considered to have been sent when it is first made available. ▇▇▇ ▇. ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ Phone: (▇▇▇) ▇▇▇-▇▇▇▇ Business Days: Monday through Friday Business Hours: 8:30 A.M. to 5:00 P.M. (CST) (Holidays Excluded) • Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard Account number. b. Why . • Describe the error or the transfer you are unsure about, and clearly explain why you believe there it is an error and or why you need more information. • Tell us the dollar amount involved. c. Approximately when and date of the error took placesuspected error. • It will be helpful to us if you also give us a telephone number at which you can be reached during business hours in case we need any further information. • If you tell us orally, we may have the right to require that you to also send us your complaint or question in writing within 10 business dayscalendar days following the date you notified us. We will determine whether an error occurred within 10 business calendar days of hearing after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account Account within 10 business calendar days for the amount you think is in error, error so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigationAccount. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigationinvestigation and we must make these available to you for your inspection. For a reasonable fee covering our duplication costs, we will provide you with copies of any such documents that you request. If your alleged error concerns a transfer to or from a third party (for example, a social security payment), our investigation may be limited to a review of our own records. If we decide that there was no error, you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇may want to contact such third party to pursue the matter further.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or write usquestions about your electronic transactions, telephone us at (▇▇▇) ▇▇▇-▇▇▇▇ during normal banking hours (Monday-Friday 9:00am -5:00pm, excluding Federal Holidays) or write: Triad Bank Attention: Online Banking PO Box 35567 Tulsa, OK ▇▇▇▇▇-▇▇▇▇ Contact the Bank immediately if you believe your statement or receipt is wrong, or if you need more information about a transaction listed on your statement or receipt. You must: 1. Tell us your name and account number 2. Describe the error or payment you are unsure about, and explain as explained in Section 23, as soon clearly as you can if you think an error has occurred in your PayCard Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard number. b. Why why you believe there it is an error and or why you need information. 3. Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orallyverbally, we may will require that you send us your complaint or question in writing within 10 business daysdays following the date you notified us verbally. We You may be required to provide your complaint in the form of an affidavit. Within 10 business days after we hear from you in writing, we will determine whether an error occurred within 10 business days of hearing from you and will correct any error promptlypromptly - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have access to use of the money during the time it takes us to complete our investigationinvestigation - 20 business days if the suspected error involves an electronic fund transfer to or from the account within 30 days after the first deposit was made. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re- credit your account. For errors involving new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account for the amount you think is in error. We will tell you the results within three (3) business days of completing our investigation. If we decide determine that there was is no error, we will reverse any previously credited amount. We will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.

Errors or Questions. Call In case of errors or questions about your electronic transfers, call or write us, as explained us at the telephone number or address listed in Section 23this document, as soon as you can can, if you think an error has occurred in your PayCard Accountstatement is wrong or if you need more information about a transfer listed on the statement. We must allow hear from you to report an error until no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history statement on which the problem or error appeared. You may request a written history of • Tell us your transactions at any time by calling or writing us, as explained in Section 23. You will need to tell us: a. Your name and PayCard account number. b. Why . • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. • Tell us the dollar amount involved. c. Approximately when of the error took placesuspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. Every day is a business day except Saturdays, Sundays and Federal Holidays. We will determine whether an error occurred within 10 business days of hearing (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have access to the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving Your account is considered a new PayCard Accounts or point-of-sale or international transactions, we may take up to 90 days to investigate your complaint or question. For new PayCard Accounts, we may take up to 20 business days to credit your PayCard Account account for the amount first 30 days after the first deposit is made, unless each of you think already has an established account with us before this account is in erroropened. We will tell you the results within three (3) business days of after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us, as explained in Section 23, or visit ▇▇▇.▇▇▇▇▇▇.▇▇▇.