Common use of Liability for Failure to Make Transfers Clause in Contracts

Liability for Failure to Make Transfers. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transaction. • If the transaction would go over the credit limit on your overdraft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by law. In case of errors or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC ▇▇▇▇▇-▇▇▇▇ Contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will correct any error promptly. If we need more time to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.

Liability for Failure to Make Transfers. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transaction. • If the transaction would go over the credit limit on your overdraft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by law. In case of errors or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC ▇▇▇▇▇-▇▇▇▇ Contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will correct any error promptly. If we need more time to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.

Liability for Failure to Make Transfers. If we do not Ifwe fail to complete a transaction to or from your account on time or in the correct amount according to our agreement with transfer, when properly instructed by you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT not be liable, for instanceliable if: • If, through  Through no fault of ours, you do not have enough money available funds in your account to make the transactiontransfer. • If the transaction  The transfer would go over the credit limit on your overdraft line of creditline. • If the ATM where you are making the transaction does not have enough cash. • If the  The terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. •  If an act of God or other circumstances beyond our control (such as fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. •  If there is a hold on the funds in your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances other encumbrance restricting transferthe use of funds. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. •  If we refuse have limited or refused to cash complete transaction for security reasons.  If any checks presented for third party through whom bill payment through an ATM transactionis transmitted fails to properly transmit the payment to the intended payee.  If you instruct us to make a bill payment that is too late.  There may be other exceptions stated in our agreement with you or permitted by lawdisclosed to you from time to time.  We have reason to believe that the transaction requested is unauthorized. In case of errors or questions about your electronic transfersany case, call your local branch or writewe shall only be liable for actual proven damages if the failure to make the transaction resulted from a bonafide error despite our procedures to avoid such errors. Telephone us at: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay▇-Varina, NC ▇▇▇-▇▇▇-▇▇▇▇ Contact or write us at NexTier Bank Customer Service P.O. Box 1232 Butler, PA 16003-1232 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer or a Bill Payment transaction listed on the statement or receipt. Alternatively, You should also call the number or write to the address above if you may call or visit believe a transfer has been made using the information from your local branch officecheck without your permission. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appearedappeared or we recorded on a separate document. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: •  Tell us your name name, address and account number. • number (if any),  Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. •  Tell us the dollar amount of the suspected error.  If you tell us orally, we may require that you send us 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 after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we Ifwe need more time to investigate your complaint or questiontime, however, we may take up to 45 calendar days to complete our investigation investigate your complaint or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account openingquestion. If we take the additional time do decide to complete our investigationdo this, we will re- provisionally re-credit your account within 10 business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)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 question in writing and we do not receive it within 10 business days, we may not re-credit your account. For errors involving new accounts, point-of sale, or foreign initiated transactions, we may take up to 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. Accounts are classified as new within 30 days after the first deposit is made. We will tell notify you of 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 within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. We are pleased If we credit your account with funds while investigating an error, you must repay those funds to provide you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Actus if we conclude no error has occurred. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not rights apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about transfers involving your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇VALID DEPOSIT ACCOUNT.▇▇▇.

Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, liable for instance: • * If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • * If the transaction money in your account is subject to legal process or other claim restricting such transfer. * If the transfer would go over the credit limit on your overdraft line of creditline. • * If the ATM where you are making the transaction transfer does not have enough cash. • * If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. * There may be other exceptions stated in our agreement with you or permitted by lawyou. For business accounts, refer to your account agreement(s) with us. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers. For consumer accounts, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC telephone us at (▇▇▇) ▇▇▇-▇▇▇▇ Contact ▇, or write us as soon as you can, if you think your statement or receipt is at wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • * Tell us your name and account numbernumber (if any). • * Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • * Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time decide to complete our investigationdo this, we will re- credit your account within ten (10) business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have the use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send ask you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of put your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses complaint or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be question in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does we do not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.receive it within ten

Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account account, including a bill payment, on time or in the correct amount according to our agreement with youyou when you have properly instructed us to do so, we will be liable for your losses or damages caused by such failureas a result. However, there are some exceptions. We will NOT be liable, for instance: • Ifif, through no fault of ours, you do not have enough money in your account to make the transaction. transfer; • If if a legal order directs us to prohibit withdrawals from the transaction account; • if your account is closed, or it has been restricted; • if the transfer would go over the credit limit on your overdraft line of credit. line; • If if the ATM automated teller machine where you are making the transaction transfer does not have enough cash. ; • If if you, or anyone authorized by you, commits any fraud or violates any law or regulation; • if the terminal electronic terminal, telecommunication device, or any part of the ATM Service or electronic funds transfer system was not working properly and you knew about the breakdown when you started the transaction. transfer; • If if you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date and payment amount for the payee on a bill payment; • if you have not properly followed the onscreen instructions for using the Service; or • if circumstances beyond our control (such as fire fire, flood or floodinterruption in telephone service or other communication lines) prevent the transactiontransfer, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement Agreement with you. Tell us AT ONCE if you believe your card and/or PIN or permitted by lawOnline Banking Password has been lost, stolen, used without your authorization or otherwise compromised, or if someone has transferred or may transfer money from your account without your permission. Telephoning us is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50 if someone used your ATM card or PIN or Online Banking Password without your permission. If you have a consumer account and do NOT tell us within two (2) business days after you learn of the loss, theft, compromise or unauthorized use of your card and/or PIN or Online Banking Password, and we can prove we could have stopped someone from using your card and/or PIN or Online Banking Password without your permission if you had told us, you can lose as much as $500. When used as a consumer debit card, the MasterCard® Zero Liability may apply. The MasterCard® Zero Liability policy is as follows: A cardholder will not be liable for an unauthorized transaction, as long as the cardholder has exercised reasonable care in safeguarding the card from risk of loss or theft, and, upon becoming aware, promptly reporting the loss or theft to the issuer (Bank). Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. If you believe your card and/or PIN or Online Banking Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call ▇▇▇-▇▇▇-▇▇▇▇ or ▇-▇▇▇-▇▇▇-▇▇▇▇ or write: In case of errors or questions about your electronic transfers, call your local branch including Bill Payments, telephone or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varinawrite us at the address or phone number listed at the end of this disclosure, NC ▇▇▇▇▇-▇▇▇▇ Contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. • If the suspected error relates to bill payment made via the Bill Payment Service, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, ID number and the payee account number for the payment in question. (This information appears on the Bill Payment View Posting screen.) If you tell us orallyorally or by e-mail, we may require that you send us your complaint or question in writing by postal mail or fax within 10 ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within 10 ten (10) business days (twenty (20) business days if the transfer involved a “new account”) after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will and correct any error promptly. If we need more time time, however, we may take up to forty-five (45) days (ninety (90) days if the transfer involved a point-of-sale transaction or a foreign initiated transfer, or a “new account” regardless of the type of transaction) to investigate your complaint or question. If we decide to do this, we may take up to 45 will credit your account within ten (10) business days to complete our investigation or up to 90 (twenty (20) business days if the transfer (iinvolved a “new account”) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via send an e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇to us. However, while e-mail is fast and convenient, it is not entirely secure and may be intercepted by third parties. We highly recommend that you take care and caution not to send e-mails containing any personal, private or sensitive information that you would not want viewed by a third party.▇▇▇.

Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, liable for instance: • If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • If the transaction money in your account is subject to legal process or other claim restricting such transfer. If the transfer would go over the credit limit on your overdraft line of creditline. • If the ATM where you are making the transaction transfer does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by lawyou. For business accounts, refer to your account agreement(s) with us. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers. For consumer accounts, call your local branch telephone us at (970) 332 -4111, or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC ▇▇▇▇▇-write us at ▇▇▇▇ Contact us State Bank, ▇▇▇ ▇▇▇▇ ▇▇, ▇.▇. Box 277, Wray, CO 80758 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must would like to hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • * Tell us your name and account numbernumber (if any). • Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time decide to complete our investigationdo this, we will re- credit your account within ten (10) business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have the use of the money during the time it takes us to complete our investigation. If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-initiatedtransactions, 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 (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. We For business accounts, we will generally follow the procedures for error resolution described above, but we are pleased not required to provide process a claim if you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account within Thirty (30) calendar days after the statement is made available, to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvencygive provisional credit, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact investigate your local branch, or write to us at claim within the address time periods described above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.

Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT not be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • If the transaction transfer would go over the credit limit on your overdraft line of creditline. • If the ATM where you are making the transaction transfer does not have enough cash. • If the ATM, terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your the funds are subject to legal process or encumbrances other encumbrance restricting the transfer. • If your transfer authorization is terminatedan account becomes dormant, in which case we may terminate card or code access to that account. • If a merchant refuses your card or code has been revoked due to accept your card. • If we refuse to cash any checks presented for payment through an ATM transactioninactivity or at our discretion. There may be other exceptions stated in our agreement with you or permitted by law. In case of errors or questions Confidentiality - Account Information Disclosure We will disclose information to third parties about your electronic transfers, call your local branch account or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC ▇▇▇▇▇-▇▇▇▇ Contact us transfers you make as stated in the Information about You and Your Account section near the front of this Agreement. Call or write as soon as you can, can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we have sent you the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will correct any error promptly. If we need more time to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.

Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account Account on time or in the correct amount according to our agreement Agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account Account to make the transaction. transfer; • If the transaction transfer would go over cause the balance to exceed the credit limit on your overdraft line of credit. protection loan; • If the ATM where you are making the transaction transfer does not have enough cash. ; • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. transfer; • If circumstances beyond our control (such as fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. ; • If there the failure to complete the transfer is a hold on done to protect the integrity of the system or to protect the security of your account or if access to your account is blocked in accordance with our policies. Account; • If your funds are Account is subject to an uncollected funds hold, legal process or encumbrances restricting transfer. other claim; • If your transfer authorization Card has expired or is terminated. damaged or is inactive because your access code was entered incorrectly; • If you use a merchant refuses to accept your card. Card that has been reported lost or stolen; • If we refuse the Credit Union has reason to cash any checks presented believe that something is wrong, for example, that your Card has been stolen; • If the transaction information supplied to the Credit Union by you or a third party is incorrect or untimely; • For preauthorized transfer, if through no fault of the Credit Union, the payment through an ATM transaction. information for a preauthorized transfer is not received; or • There may be other exceptions as stated in our an agreement you have with you the Credit Union or permitted as provided by law. In case of errors or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC Call us at ▇▇▇.▇▇▇.▇▇▇▇▇, or write to us at SchoolsFirst FCU, P.O. Box 11547, Santa Ana, CA 92711-▇▇▇▇ Contact us 1547, as soon as you can, if you think your statement or receipt is wrong wrong, or if you need more information about a transfer transaction listed on the your statement or transaction receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When In order to help you notify uswith your questions, we will need the following information: security • Your name, Account number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: transaction date in question; • Tell us your name and account number. • Describe the The error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it there is an error or why you need more information. ; and • Tell us the The dollar amount of the suspected errorsuspect transaction. 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 after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We you, and will correct any error promptly. If we need more time to investigate your complaint or questiontime, however, we may take up to 45 days to complete our investigation investigate your complaint or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account openingquestion. If we take the additional time decide to complete our investigationdo this, we will re- credit your account Account within 10 business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)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 question in writing and we do not receive it within 10 business days, we may not credit your Account. For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. An Account is considered a new Account for 30 days after the first deposit is made. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we may reverse the credit, if applicable, and we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures If, as part of your rights under the consumer protection provisions our investigation, we order a copy of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Acta sales draft from a merchant, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to charged a nationwide consumer reporting agency$10 fee for obtaining the copy. (See “Negative informationFees” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with elsewhere in this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇Agreement.▇▇▇.)

Liability for Failure to Make Transfers. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transaction. • If the transaction would go over the credit limit on your overdraft over- draft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransac- tion. • If circumstances beyond our control (such as fire or flood) prevent pre- vent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting re- stricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by law. In case of errors or questions about your electronic transfers, call us or write us at the telephone number or the address shown on your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC ▇▇▇▇▇-▇▇▇▇ Contact us periodic statement as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer trans- fer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • Tell us your name and account number. • Describe the error or the transfer you are unsure about about, (including includ- ing the date that it occurred), ) and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell notify us orallyin person or by telephone of a suspected error, we may require that you send followup your oral notice or questions in writ- ing. If we do require that you notify us your complaint or question in writing, we must receive this writing within 10 ten business daysdays of your oral notice. We will determine whether an error occurred tell you the results of our investigation within 10 ten business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time to investigate your complaint or questiontime, however, we may take up to 45 days to complete our investigation inves- tigate your complaint or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account openingquestions. If we take the additional time decide to complete our investigationdo this, we will re- provisionally credit your account within ten business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have the use of the money during the time it takes us to complete our investigation. We will tell If we ask you the results to put your complaint or question in writing and we do not receive it within three ten business days, we may not provisionally credit your account. For errors involving new accounts, point-of-sale debit card trans-ac- tions, 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 after completing our investigationto provisionally credit your ac- count for the amount you think is in error. If we decide there was no error, we will send you a written explanation expla- nation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigationin- vestigation. For your safety, please follow these suggestions when using any ATM machine: • Commit your PIN (Personal Identification Number) to memory and never share your PIN. • As you approach an ATM, be aware of your surroundings. • Wait until you leave the ATM to count your money. • Immediately report a lost or stolen card to the Bank. • Have your card ready when you approach the ATM. • Wait until previous customers have finished their transactions. • Stand close to the ATM when entering your PIN. • If using a drive-through ATM: pull up close to the ATM, remain in your car with doors locked, and keep your car running while operating the ATM. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the fed- eral Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.

Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT not be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • If the transaction would go over the credit limit on your overdraft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. • If circumstances beyond our control (such as fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you. Account Information Disclosure We will disclose information to third parties about your account or the transfers your make: Where it is necessary for completing transfers, or In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or In order to comply with government agency or court orders, or If you or permitted by lawgive us your written permission. In case of errors error or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC call: (▇▇▇) ▇▇▇-▇▇▇▇ Contact us as soon as you canor write to: Fort Community Credit Union PO Box 160 Fort ▇▇▇▇▇▇▇▇, if WI 53538-0160 If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternativelystatement, you may call or visit your local branch office. We we must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • Tell us your name and account numberaccount. • Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred tell you the results of our investigation within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty-five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no errorto do this, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about recredit your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.within ten

Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, liable for instance: • * If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • * If the transaction money in your account is subject to legal process or other claim restricting such transfer. * If the transfer would go over the credit limit on your overdraft line of creditline. • * If the ATM where you are making the transaction transfer does not have enough cash. • * If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. * There may be other exceptions stated in our agreement with you or permitted by lawyou. For business accounts, refer to your account agreement(s) with us. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers. For consumer accounts, call your local branch telephone us at (▇▇▇) ▇▇▇-▇▇▇▇, or write: Fidelity write us at Charlotte State Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina& Trust,1100 ▇▇▇▇▇▇▇ ▇▇▇▇▇, NC ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ Contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • * Tell us your name and account numbernumber (if any). • * Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • * Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time decide to complete our investigationdo this, we will re- credit your account within ten (10) business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have the use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send ask you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of put your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses complaint or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be question in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does we do not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.receive it within ten

Liability for Failure to Make Transfers. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transaction. • If the transaction would go over the credit limit on your overdraft line of credit. • If the ATM where you are making the transaction does not have enough cash. • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. There may be other exceptions stated in our agreement with you or permitted by law. ERROR RESOLUTION‌ In case of errors or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC ▇▇▇▇▇-▇▇▇▇ Contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • Tell us your name and account number. • Describe the error or the transfer you are unsure about (including the date that it occurred), and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We will correct any error promptly. If we need more time to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time to complete our investigation, we will re- credit your account for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening), so that you will have use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.

Liability for Failure to Make Transfers. If we do not complete a transaction transfer to or from your account Account on time or in the correct amount according to our agreement Agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account Account to make the transaction. transfer; • If the transaction transfer would go over cause the balance to exceed the credit limit on your overdraft line of credit. protection loan; • If the ATM Automated Teller Machine (ATM) where you are making the transaction transfer does not have enough cash. ; • If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transaction. transfer; • If circumstances beyond our control (such as fire or flood) prevent the transactiontransfer, despite reasonable precautions that we have taken. ; • If there the failure to complete the transfer is a hold on done to protect the integrity of the system or to protect the security of your account or if access to your account is blocked in accordance with our policies. Account; • If your funds are Account is subject to an uncollected funds hold, legal process or encumbrances restricting transfer. other claim; • If your transfer authorization Card has expired or is terminated. damaged or is inactive because your access code was entered incorrectly; • If you use a merchant refuses to accept your card. Card that has been reported lost or stolen; • If we refuse the Credit Union has reason to cash any checks presented believe that something is wrong, for example, that your Card has been stolen; • If the transaction information supplied to the Credit Union by you or a third party is incorrect or untimely; • For preauthorized transfer, if through no fault of the Credit Union, the payment through an ATM transaction. information for a preauthorized transfer is not received; or • There may be other exceptions as stated in our an agreement you have with you the Credit Union or permitted as provided by law. In case of errors or questions about your electronic transfers, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC Call us at ▇▇▇.▇▇▇.▇▇▇▇▇, or write to us at SchoolsFirst FCU, P.O. Box 11547, Santa Ana, CA 92711-▇▇▇▇ Contact us 1547, as soon as you can, if you think your statement or receipt is wrong wrong, or if you need more information about a transfer transaction listed on the your statement or transaction receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When In order to help you notify uswith your questions, we will need the following information: security • Your name, Account number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: transaction date in question; • Tell us your name and account number. • Describe the The error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it there is an error or why you need more information. ; and • Tell us the The dollar amount of the suspected errorsuspect transaction. 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 after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We you, and will correct any error promptly. If we need more time to investigate your complaint or questiontime, however, we may take up to 45 days to complete our investigation investigate your complaint or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account openingquestion. If we take the additional time decide to complete our investigationdo this, we will re- credit your account Account within 10 business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)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 question in writing and we do not receive it within 10 business days, we may not credit your Account. For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. An Account is considered a new Account for 30 days after the first deposit is made. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we may reverse the credit, if applicable, and we will send you a written explanation within three business days after we finish our investigationexplanation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures If, as part of your rights under the consumer protection provisions our investigation, we order a copy of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses or business or commercial transactions. Under the Fair Credit Reporting Acta sales draft from a merchant, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to charged a nationwide consumer reporting agency$10 fee for obtaining the copy. (See “Negative informationFees” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with elsewhere in this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇Agreement.▇▇▇.)

Liability for Failure to Make Transfers. If For consumer accounts, if we do not complete a transaction transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages caused by such failuredamages. However, there are some exceptions. We will NOT be liable, liable for instance: • * If, through no fault of ours, you do not have enough money in your account to make the transactiontransfer. • * If the transaction money in your account is subject to legal process or other claim restricting such transfer. * If the transfer would go over the credit limit on your overdraft line of creditline. • * If the ATM where you are making the transaction transfer does not have enough cash. • * If the terminal or the ATM system was not working properly and you knew about the breakdown when you started the transactiontransfer. • * If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. • If there is a hold on your account or if access to your account is blocked in accordance with our policies. • If your funds are subject to legal process or encumbrances restricting transfer. • If your transfer authorization is terminated. • If a merchant refuses to accept your card. • If we refuse to cash any checks presented for payment through an ATM transaction. * There may be other exceptions stated in our agreement with you or permitted by lawyou. For business accounts, refer to your account agreement(s) with us. In case Case of errors Errors or questions about your electronic transfersQuestions About Your Electronic Transfers. For consumer accounts, call your local branch or write: Fidelity Bank Central Customer Inquiry P.O. Box 996 Fuquay-Varina, NC telephone us at (▇▇▇) ▇▇▇-▇▇▇▇ Contact ▇, or write us as soon as you can, if you think your statement or receipt is at wrong or if you need more information about a transfer listed on the statement or receipt. Alternatively, you may call or visit your local branch office. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When you notify us: security number, telephone number, account number, type of account, specific item of dispute, and the reason you believe the information we reported is inaccurate. Send your notice to: • * Tell us your name and account numbernumber (if any). • * Describe the error or the transfer you are unsure about (including the date that it occurred)about, and explain as clearly as you can why you believe it is an error or why you need more information. • * Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you (20 business days if the transaction occurred during the first 30 days your account is open). We and will correct any error promptly. If we need more time time, however, we may take up to forty-five (45) days to investigate your complaint or question, we may take up to 45 days to complete our investigation or up to 90 days if the transfer (i) was initiated outside the United States, (ii) resulted from a point-of-sale debit card transaction, or (iii) occurred within 30 days of account opening. If we take the additional time decide to complete our investigation, do this we will re- credit your account within ten (10) business days for the amount you think is in error within 10 business days (20 business days if the transfer occurred within 30 days of account opening)error, so that you will have the use of the money during the time it takes us to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send ask you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. We are pleased to provide you with the following disclosures of put your rights under the consumer protection provisions of the Fair Credit Reporting Act. These provisions protect individual consumers. Except to the extent required by applicable law, these disclosures do not apply to businesses complaint or business or commercial transactions. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have inaccurately reported information about your account to a consumer reporting agency. Your notice to us should be question in writing and should include your complete name, current address, social P.O. Box 8 Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” means information concerning delinquencies, late payments, insolvency, or any form of default. This notice does we do not mean that we will be reporting information about you, only that we may report such information about customers that have not done what they are required to do under our agreement. A copy of our Privacy Policy is being provided to you along with this Agreement and is incorporated herein by reference. If you have any questions concerning our privacy policy, please contact your local branch, or write to us at the address above. You may also contact us via e-mail at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.receive it within ten