Common use of Errors and Questions Clause in Contracts

Errors and Questions. In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should as soon as possible notify us via one of the following: • Telephone us at 000.000.0000 000-000-0000 (Miami-Dade County) or write 000-000-0000 (other areas). • Write us at: Plumas BankTropical Financial Credit Union ATTN: Digital Banking Team, 00 X. Xxxxxx Avenue0000 Xxxxxxxxx Xxx Xxxxxxx, Quincy, CA 95971, as soon as you can, if XX 00000 If you think your statement is wrong incorrect or if you need more information about a transfer transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent or made available to you on which the problem or error appearedappears. You must: • Tell us your name and account number (if any). number; • Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. ; and, • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your accountPayment Account. For errors involving new accountsIf it is determined, point-of-sale, or foreign-initiated transactions, there was no error 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 will mail you think is in error. We will tell you the results a written explanation within three business days (3) Business Days after completing completion of our investigation. If You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided if we decide that there was no errorfind an error did not occur. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES It is our general policy to treat your account information as confidential. However, we will send disclose information to third parties about your account or the transactions you a written explanation. You may request copies of the documents that were used make ONLY in the investigationfollowing situations: • Where it is necessary for completing transactions; • Where it is necessary for activating additional services; • In order to verify the existence and condition of your account to a third party, such as a credit bureau or Payee; • To a consumer reporting agency for research purposes only; • In order to comply with a governmental agency or court orders; or, • If you give us your written permission.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you canpossible at the phone number, if address, or email address disclosed in this Agreement. You may also notify us by going to any one of our branch locations. If you think your statement is wrong incorrect or if you need more information about a transfer Service transaction listed on the a statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must provide the following information to us: • Tell us your Your name and account number (if any). number; • Describe Description of the error or the transfer you are unsure abouttransaction in question, and explain an explanation as clearly as you can to why you believe it is an error or why you need more information. ; and • The dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do to this, we will provisionally credit your account Payment Account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your accountPayment Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, If it is determined there was no error 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 mail you think is in error. We will tell you the results a written explanation within three business days (3) Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The Credit Union may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or and questions about your electronic transfers, telephone you should contact us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if possible. If you think that your statement is wrong or if you need more information about a transfer listed on the statement. We , you must hear from you notify us no later than sixty (60) days after we sent you the FIRST first statement on which the problem or error appeared. • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it there is an error or why you need more information. • The Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. If you experience a problem or have a question about transactions completed using Internet Banking Services please call us at: 000-000-0000; 000-000-0000 Or Write us at: Xxxx County FCU 0000 Xxxxxxxx Xxxx Kerrville, TX 78028 The full disclosure for the investigationerror resolution procedures concerning electronic transfers is provided to you in the account brochures provided to you when you opened your account and mailed annually thereafter.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone contact us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, immediately if you think your periodic statement is wrong or if you need more information about a transfer listed on the statementtransfer. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell us the following: • Tell us your Your name and account number (if any). • Describe the error error, payment, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (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 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 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. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersyou think there has been an error concerning the Services, telephone you should contact us at 000.000.0000 1-800-732- 0642 or (000) 000-0000, or write to us at: Plumas at Mayville State Bank, 00 X. Xxxxxx AvenueInternet Banking Services, QuincyP.O. Box 650, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementMI 48744. We must hear from you no later than sixty (60) within 60 calendar days after we have sent you the FIRST first paper or online monthly statement on which the problem or error first appeared. • Tell If you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to know the following for all errors: Your name and account number (if any). • Describe number; A description of the error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. • ; The dollar amount of the suspected error. If you tell us orally; and For a Bill Pay issue - the checking account number used to pay the bill, we may require you to send us the complaint or question in writing within 10 business dayspayee name, date payment was scheduled, payment amount, reference number and payee account number. We will determine whether an error occurred advise you of the results of our investigation within 10 business days after we hear from you and will promptly correct any error promptlywe have made. If we need more time, howeveradditional time to complete our investigation, we may take up to 45 days to investigate a complaint or question. If we decide to do this, but we will provisionally re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysdays after the request, we may will 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. We will tell you the results within three business days after completing our investigation. If we decide determine that there was no error, we will send you a written explanationexplanation within 3 business days after we complete our investigation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersthink there has been an error concerning the Services, telephone you should contact us at 000.000.0000 (000) 000-0000, or (000) 000-0000, or write to us at: Plumas Bankat OUCU Financial, 00 X. Xxxxxx Avenue000 X Xxxxx Xxxxxx, QuincyXxxxxx, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementXX 00000. We must hear from you no later than sixty (60) within 60 calendar days after we sent you sending the FIRST first paper or electronic monthly statement on which the problem or error first appeared. If you notify us verbally, we may require you to send your complaint or question in writing within ten business days of the verbal notice. We will need to know the following for all errors: • Tell us your Your name and account number (if any)number. • Describe A description of the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more additional information. • The dollar amount of the suspected error. If you tell us orally• For a Bill Pay issue, we may require you the checking account number used to send us pay the complaint or question in writing within 10 business daysbill, payee name, date payment was scheduled, payment amount, reference number, and payee account number. We will determine whether an error occurred advise you of the results of our investigation within 10 ten business days after we hear from you and will promptly correct any error promptlywe have made. If we need more time, howeveradditional time to complete our investigation, we may take up to 45 days to investigate a complaint or question. If we decide to do thisdays, but we will provisionally re-credit your account within 10 ten business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten business daysdays after the request, we may will 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. We will tell you the results within three business days after completing our investigation. If we decide determine that there was no error, we will send you a written explanationexplanation within three business days after we complete our investigation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should as soon as possible notify Administrator via one of the following: W Telephone us at 000.000.0000 or write 000 000-0000 during customer service hours; and/or, W Write us at: Plumas BankBNY Mellon Investment Servicing Trust Company BTS Operations 000 Xxxxxx Xxxxxx 0xx Xxxxx AIM 199-3517 Xxxxxxxxxxxx, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if XX 00000 If you think your account statement is wrong incorrect or if you need more information about a transfer BillSuite Service transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. • You must: W Tell us your name and account number (if any). • number; W Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. • The ; and W Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally 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 errorPayment Account. We will tell you the results within three business days Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The BillSuite Service Provider may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or and questions about your electronic transfers, telephone you should contact us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if possible. If you think that your statement is wrong or if you need more information about a transfer listed on the statement. We , you must hear from you notify us no later than sixty (60) days after we sent you the FIRST first statement on which the problem or error appeared. • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it there is an error or why you need more information. • The Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. If you experience a problem or have a question about transactions completed using Internet Banking Services please call us at: 000-000-0000 Or Write us at: Xxxx County FCU 0000 Xxxxxxxx Xxxx Xxxxxxxxx, XX 00000 The full disclosure for the investigationerror resolution procedures concerning electronic transfers is provided to you in the account brochures provided to you when you opened your account and mailed annually thereafter.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us as soon as possible via one of the following: Telephone us at 000.000.0000 or write 000.000.0000, ext. 6631 during Member Service hours; Write us at: Plumas BankFarmers Insurance Federal Credit Union P.O. Box 2723, 00 X. Xxxxxx Avenue, Quincy, Torrance CA 95971, as soon as you can, if 90509 If you think your statement is wrong incorrect or if you need more information about a transfer Service transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. • You must: Tell us your name and Service account number (if any). • number; Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. • The ; and, Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your accountPayment Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, If it is determined there was no error 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 will mail you think is in error. We will tell you the results a written explanation within three business days (3) Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should as soon as possible notify us via one of the following: • Telephone us at 000.000.0000 000-000-0000 or write 000-000-0000 during normal business hours; • Contact us by using the application's secure chat feature; and/or, • Write to us at: Plumas BankREV Federal Credit Union PO Box 118000 Charleston, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if SC 29423 If you think your statement is wrong incorrect or if you need more information about a transfer Service transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must: • Tell us your name and Service account number (if any). number; • Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. ; and, • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your accountPayment Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, If it is determined there was no error 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 will mail you think is in error. We will tell you the results a written explanation within three business days (3) Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersyou think there has been an error concerning the Services, telephone you should contact us at 000.000.0000 (000) 000-0000, or (800) 562- 8420, or write to us at: Plumas Bankat Ohio University Credit Union, 00 X. Xxxxxx AvenueP.O. Box 476, QuincyAthens, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementOH 45701. We must hear from you no later than sixty (60) within 60 calendar days after we have sent you the FIRST first paper or electronic monthly statement on which the problem or error first appeared. • Tell If you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to knowthe following for all errors: Your name and account number (if any)number. • Describe A description of the error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. • The dollar amount of the suspected error. If you tell us orallyFor a Bill Pay issue, we may require you the checking account number used to send us pay the complaint or question in writing within 10 business daysbill, payee name, date payment was scheduled, payment amount, reference number and payee accountnumber. We will determine whether an error occurred advise you of the results of our investigation within 10 business days after we hear from you and will promptly correct any error promptlywe have made. If we need more time, howeveradditional time to complete our investigation, we may take up to 45 days to investigate a complaint or question. If we decide to do thisdays, but we will provisionally re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysdays after the request, we may will 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. We will tell you the results within three business days after completing our investigation. If we decide determine that there was no error, we will send you a written explanationexplanation within 3 business days after we complete our investigation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transfersYour transactions, telephone us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, You should as soon as you canpossible notify Administrator via one of the following: • Telephone Us at (000) 000-0000 during customer service hours; and/or, if you • Write Us at: BNY Mellon Investment Servicing Trust Company BTS Operations 000 Xxxxxx Xxxxxx 0xx Xxxxx AIM 199-3517 Xxxxxxxxxxxx, XX 00000 If You think your Your Account statement is wrong incorrect or if you You need more information about a transfer BillSuite Service transaction listed on the statement. , We must hear from you You no later than sixty (60) days after we sent you the FIRST statement was sent to You on which the problem or error appearedappears. You must: • Tell us your Us Your name and account number (if any). Account number; • Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you You believe it is an error or why you You need more information. ; and, • The Tell Us the dollar amount of the suspected error. If you You tell us orallyUs verbally, we We may require you to that You send us the Your complaint or question in writing within 10 business daysten (10) Business Days after Your verbal notification. We will determine whether an error occurred tell You the results of Our investigation within 10 business days ten (10) Business Days after we We hear from you You, and will correct any error promptly. If we need However, if We require more timetime to confirm the nature of Your complaint or question, however, we may We reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete Our investigation. If we We decide to do this, we We will provisionally credit your account Your Payment Account within 10 business days ten (10) Business Days for the amount you You think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we We ask you You to put your submit Your complaint or question in writing and we We do not receive it within 10 business daysten (10) Business Days, we We may not provisionally 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 errorYour Payment Account. We will tell you You the results within three business days Business Days after completing our Our investigation. If we We decide that there was no error, we We will send you You a written explanation. You may request ask for copies of the documents that were used in the Our investigation. The BillSuite Service Provider may revoke any provisional credit provided to You if We find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone us locally at 000.000.0000 000-000-0000 or if you are outside California at 0-000-000-0000, or write to us at: Plumas BankFarmers & Merchants Bank Online Banking Services, 00 X. 0000 Xxxxxx AvenueXxxxx Drive, QuincySeal Beach, CA 95971California, 90740, U.S.A., as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking transaction, telephone us you may call Rayne Building and Loan Association at 000.000.0000 000-000-0000, or write us ata letter and send it to: Plumas BankRayne Building and Loan Association Attention: Customer Service P O Box 46 Rayne, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. LA 70578 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement on which the problem or error appeared. • Tell us your We will need: * Your name and account number (if any)number. • Describe * A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • * The dollar amount of the suspected error. * The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10) Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 business days ten (10) Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to 45 forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate If your complaint or question. For new accounts, we may take up to 20 business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that Xxxxx Building and Loan Association may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by the Association shall be considered received within three (3) Business Days of the date sent by Xxxxx Building and Loan Association, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your my electronic transfers, I should telephone us you at 000.000.0000 (000)0000000 or write us at: Plumas Bankto Together Credit Union, 00 X. Xxxxxx Avenue000 Xxxxx Xxxxxx, QuincySt. Louis, CA 95971MO 63118, as soon as you can, I can if you I think your my statement is wrong or if you I need more information about a transfer listed on the statement. We I must hear from notify you no later than sixty (60) 60 days after we you sent you me the FIRST first statement on which the error or problem or error appeared. I will need to tell you: • Tell us your My name and account number (if any). number; • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you Why I believe it there is an error or why you need more information. • The and the dollar amount of involved; • Approximately when the suspected errorerror took place. If I tell you tell us orally, we you may require you to that I send us the my complaint or question in writing within 10 ten (10) business days. We You will determine whether an error occurred tell me the results of your investigation within 10 ten (10) business days after we hear from you and will correct any error promptly. If we you need more time, however, we you may take up to 45 days to investigate (90 days if the transfer involved a complaint new account, point-of-sale transaction or questiona foreign-initiated transfer). If we you decide to do this, we you will credit your my account within 10 business days (5 business days for ATM or Visa check card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you I think is in error, so that you I will have the use of the money during the time it takes us you to complete our your investigation. If we you ask you me to put your my complaint or question in writing and we you do not receive it within 10 business days, we you may not credit your my account. For errors involving An account is considered a 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 first 30 days after the first deposit is made, unless I already have an established account with you think before this account is in erroropened. We You will tell you me the results within three business days after completing our your investigation. If we decide you determine that there was no error, we you will send you me a written explanationexplanation within three (3) business days after you complete your investigation, and you may reverse any temporary credits made to my account pending the completion of the investigation. You I may request ask for copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone us at 000.000.0000 (000) 000-0000 any time from 8:00 a.m. to 4:00 p.m. Monday through Thursday or write 8:00 a.m. to 5:30 p.m. on Friday, or 8:00 a.m. to 12:00 noon on Saturdays or contact us at: Plumas BankBank of Stronghurst 000 X. Xxxx, 00 X. Xxxxxx AvenueX.X. Xxx 000 Xxxxxxxxxxx, Quincy, CA 95971, XX 00000 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer transaction listed on the statementstatement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell You will need to: a. tell us your name and account Account number (if any). • Describe ; b. describe the error or the transfer transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and c. tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require you to send us the your complaint or question in writing within 10 ten (10) business daysdays following the date you notified us. We will determine whether an error occurred within 10 ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate a your complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have 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 ten (10) business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanationexplanation within three (3) business days after we finish our investigation. You may request ask for copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 (000) 000-0000 or write us at: Plumas Mission Bank: Attention Customer Support, 00 X. Xxxxxx AvenueX.X. Xxx 000, QuincyXxxxxxxxxxx, CA 95971XX 00000- 0317, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem or error appeared. • ▪ Tell us your name and account number (if any). • ▪ Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information. • ▪ The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions for bill pay, telephone you should as soon as possible notify us via one of the following:  Telephone us at 000.000.0000 or write 000-000-0000 during business hours;  Contact us by using the Online Banking email address at xxxxxxxx@xxxxxx.xxx;  Write us at: Plumas Bank, 00 X. Xxxxxx Avenue, QuincyValley Republic Bank 0000 Xxxxxxxxxx Xxx.-Xxxxx 000 Bakersfield, CA 95971, as soon as you can, if 93309 If you think your statement is wrong incorrect or if you need more information about a transfer Service transaction listed on the statement. We , we must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. • You must:  Tell us your name and Xxxx Pay Service account number (if any). • number;  Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can in detail why you believe it is an error or why you need more information. • The ; and  Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may will require that you to send us the your complaint or question in writing within 10 business daysBusiness Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days Business Days (5 for Visa transactions) after we hear from you you, and we will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account on Bill Pay within 10 business days (5 for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated Visa transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account ) for the amount you think is in error. We If we ask you to submit your complaint in writing and we do not have it within 10 Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will tell mail you the results a written explanation within three business days 3 Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. •  Tell us your name and account number (if any). •  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. ‌ In case of errors or questions about a transaction(s) in your electronic transfersaccounts, telephone you should as soon as possible notify us using one of the following methods: • Telephone us at 000.000.0000 or write 000-000-0000 Monday – Friday 8:30 a.m. to 5:00 p.m. CST or; • Fax to: 0-000-000-0000 or; • Write us at: Plumas BankFirst Bank of Highland Park Treasury Management Client Care 000 Xxxxxx Xxxx, 00 X. Xxxxxx AvenueXxxxx 000 Xxxxxxxxxx, Quincy, CA 95971, as soon as you can, if XX 00000 xxxxxxxxxxx@xxxxxxxxxxx.xxx If you think your statement is wrong incorrect or if you need more information about a transfer Commercial Online Banking transaction listed on the your statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appearedas soon as possible. You must: • Tell us your name and the account number (if any). for the account involved; • Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. ; and, • The Tell us the dollar amount of the suspected error. If We must hear from you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business no later than 30 days after we hear send or make the first statement available to you on which the error or problem appeared. You must exercise ordinary care to determine all payment orders or amendments to payment orders that we accept are issued in your name and are authorized, enforceable, in the correct amount, to the correct beneficiary, and not otherwise erroneous. If you discover (or with reasonable care should have discovered) an unauthorized, unenforceable, or erroneously executed payment order or amendment, you must exercise ordinary care to notify us of the relevant facts. The time you have to notify us will depend on the particular circumstances involved. However, such time period will not exceed 30 days. Failure to examine your statement and report any such errors to us within 30 days of when we first send or make the first statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will correct be entirely yours. If you do not provide us with timely notice you will not be entitled to interest on any error promptlyrefundable amount. If we need more timecan establish that you failed to perform either of these duties with respect to an erroneous payment and that we incurred a loss as a result of the failure, however, we may take up you are liable to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 business days us for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do loss 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 exceeding the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigationyour order.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Services, telephone or transaction, notify us at 000.000.0000 or write immediately by contacting us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as in the manner provided in Section 8 of this Agreement. You agree that the time you can, if you think have to examine your statement is wrong or if you need more information about a transfer listed and report to us will depend on the statementcircumstances, but will not, in any circumstance, exceed a total of 60 days from when the statement is first sent or made available to you. We Furthermore, we must hear from you at the specified telephone number or address no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your We will need: ● Your name and account number (if any)number. • Describe ● A description of the error or the transfer you are unsure about, in question and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • ● The dollar amount of the suspected errorerror and date on which it occurred. If you tell us your report is made orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred notify you with the results of the investigation within 10 business days after we hear from you ten (10) BusinessDays and will correct any error promptly. If we need more timetime is needed, however, we may take up to 45 days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10) Business Days, we may not credit your accountaccount until the investigation is completed. For errors involving new accountsIf an alleged error involves an electronic funds transfer during the first thirty (30) Days after the first deposit to the account was made, point-of-sale, or foreign-initiated transactions, we may take up to 90 the applicable time periods for action by us are twenty (20) Business Days (instead of 10) and ninety (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(instead of 45). We will tell you the results within three business days (3) Business Days after completing our investigation. If we decide that there was no error, the investigation and we will send you a written explanationexplanation if we determine that there was no error. You may request copies of the documents that were used in the investigation. You agree that we may respond to you by e-mail with regard to any claim of unauthorized electronic funds transfer related to the Service. Any such electronic mail sent to you by us shall be considered received within three (3) days of the date sent by us, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersyou think there has been an error concerning the Services, telephone you should contact us at 000.000.0000 (000) 000-0000, or (000) 000-0000, or write to us at: Plumas Bankat OUCU Financial, 00 X. Xxxxxx Avenue000 X Xxxxx Xxxxxx, QuincyXxxxxx, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementXX 00000. We must hear from you no later than sixty (60) within 60 calendar days after we have sent you the FIRST first paper or electronic monthly statement on which the problem or error first appeared. • Tell If you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to know the following for all errors: Your name and account number (if any)number. • Describe A description of the error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. • The dollar amount of the suspected error. If you tell us orallyFor a Bill Pay issue, we may require you the checking account number used to send us pay the complaint or question in writing within 10 business daysbill, payee name, date payment was scheduled, payment amount, reference number and payee account number. We will determine whether an error occurred advise you of the results of our investigation within 10 business days after we hear from you and will promptly correct any error promptlywe have made. If we need more time, howeveradditional time to complete our investigation, we may take up to 45 days to investigate a complaint or question. If we decide to do thisdays, but we will provisionally re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysdays after the request, we may will 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. We will tell you the results within three business days after completing our investigation. If we decide determine that there was no error, we will send you a written explanationexplanation within 3 business days after we complete our investigation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersyou think there has been an error concerning the Services, telephone you should contact us at 000.000.0000 804-843- 2520 or toll-free 000-000-0000 or write to us at: Plumas Bankat Baylands Family Credit Union, 00 X. Xxxxxx AvenueP O Box 000 Xxxx Xxxxx, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementXX 00000. We must hear from you no later than sixty (60) within 60 calendar days after we have sent you the FIRST first paper or electronic monthly statement on which the problem or error first appeared. • Tell If you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to know the following for all errors:  Your name and account number (if any)number. • Describe  A description of the error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. •  The dollar amount of the suspected error.  For a Bill Pay issue - the checking account number used to pay the bill, payee name, date payment was scheduled, payment amount, reference number and payee account number. If you tell us orally, we may require that you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 90* days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. If you need more information about our error resolution procedures, call us at 000-000-0000 or toll-free 000-000-0000. * If you give notice of an error within 30 days after you make the investigationfirst deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone contact us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, immediately if you think your periodic statement is wrong or if you need more information about a transfer listed on the statement. transfer.. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. • Tell You will need to tell us your the following:  Your name and account number (if any). •  Describe the error error, payment, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (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 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 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. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if possible through one of the following methods:  Telephone us at580-423-7541during customer service hours; 9:00AM-4:30PM  Contact us by using the secure messaging feature within the Service; or  Write to us at Xxxxxx X Xxxx XX Xxx 000 Xxxxxxx XX 00000 If you think your statement is wrong incorrect or if you need more information about a an electronic transfer or Xxxx Payment transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. • You must:  Tell us your name name, relevant Service account number(s), and account number (if any). • Access ID;  Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. • The ; and,  Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer 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 We may take up to 20 business days Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case Case of errors Errors or questions about Questions About your electronic transfersElectronic Transfers, telephone Call or Write to us at 000.000.0000 the telephone number or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971address listed below, as soon as you can, if you think your statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any)number. • Describe the error or the transfer you are unsure about, about and explain as clearly as you can why you believe it is an error or why you need more information. • The Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you to send us the your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days for new accounts) 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 for new accounts or point- of-sale or foreign-initiated transfers) to investigate a your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days for new accounts) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving An account is considered a 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 30 days after the amount first deposit is made, if you think is in errorare a new customer. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. First National Bank of Xxxxxxxx 000 X. Xxxxxx / P O Box 269 Giddings TX 78942‌ Business Days: Monday through Friday, 9:00 am to 3:00 pm Excluding Federal Holidays Phone: 000-000-0000 Disclosure Information to Third Parties of Account We will disclose information to third parties about your account or the investigation.transactions you make:

Errors and Questions. In case of errors or questions about your electronic transfersregarding an On-line Banking or Xxxx Payment transaction, telephone us you may call 0xx Xxxx xx Xxx Xxxx Xxxx at 000.000.0000 000-000-0000, or write us ata letter and send it to: Plumas Bank0xx Xxxx xx Xxx Xxxx Xxxx Xxxxxxxxx: Internet Banking 0000 Xxxxxx Xxx Sea Isle City, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. NJ 08243 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement on which the problem or error appeared. We will need: • Tell us your Your name and account number (if any). • Describe A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • The dollar amount of the suspected errorerror • The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10) Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 business days ten (10) Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to 45 forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate If your complaint or question. For new accounts, we may take up to 20 business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that 0xx Xxxx xx Xxx Xxxx Xxxx may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by 0xx Xxxx xx Xxx Xxxx Xxxx shall be considered received within three (3) Business Days of the date sent by 1st Bank of Sea Isle City, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case Case of errors Errors or questions about your electronic transfersQuestions regarding a BEACON Business Online Banking or Xxxx Payment Transaction, telephone us call Beacon Business Bank at 000.000.0000 or one of our branch locations: San Xxxxxxxxx Xxxxxx: (000) 000-0000 Peninsula Branch: (000) 000-0000 East Bay Branch: (000) 000-0000 Or write us at: Plumas BankBEACON BUSINESS BANK 00 XXXXXX XXXXXX, 00 X. Xxxxxx AvenueXXXXX 0000 XXX XXXXXXXXX, Quincy, CA 95971, XX 00000‌ as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your We will need:‌  Your name and account number (if any)number. • Describe  A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. If you tell us the report is made orally, we may require that you to send us the 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 and will correct any error promptly. If we need more timetime is needed, however, we may take up to 45 forty-five (45) days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 ten (10) business days for the amount you think is in error, so that . This will allow you will have the 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 ten (10) business days, we may not credit your account. For errors involving If an alleged error involves a new accountsaccount, point-of-sale, or foreign-initiated transactionstransfer, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 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 determine that there was no errorerror occurred, we will send you a written explanation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersyou think there has been an error concerning the Services, telephone you should contact us at 000.000.0000 000-000-0000 or write to us at: Plumas at Xxxx Rock Savings Bank, 00 X. Xxxxxx AvenueElectronic Banking Services, Quincy000 Xxxxxxx Xxx., CA 95971Xxxxxxxxx, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementXX 00000. We must hear from you no later than sixty (60) within 60 calendar days after we have sent you the FIRST first paper or electronic monthly statement on which the problem or error first appeared. If you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to know the following for all errors: • Tell us your Your name and account number (if any)number. • Describe A description of the error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. • The dollar amount of the suspected error. If you tell us orally• For a Bill Pay issue - the checking account number used to pay the bill, we may require you to send us the complaint or question in writing within 10 business dayspayee name, date payment was scheduled, payment amount, reference number and payee account number. We will determine whether an error occurred advise you of the results of our investigation within 10 business days after we hear from you and will promptly correct any error promptlywe have made. If we need more time, howeveradditional time to complete our investigation, we may take up to 45 days to investigate a complaint or question. If we decide to do this, but we will provisionally re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysdays after the request, we may will 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. We will tell you the results within three business days after completing our investigation. If we decide determine that there was no error, we will send you a written explanationexplanation within 3 business days after we complete our investigation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors If you have questions or questions you think there has been an error about your electronic transfersfunds transfers or bill payments made through the Services, telephone you should contact us at 000.000.0000 000-000-0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementtoll-free 000-000-0000. We must hear from you no later than sixty (60) 60 days after we have sent you the FIRST first paper or electronic monthly statement on which the problem or error appeared. • Tell If you notify us verbally, we may require that you send us your complaint or question in writing within 10 business days. We are going to need to know the following:  Your name and account number (if any)number. • Describe  A description of the error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. •  The dollar amount of the suspected error.  For a bill payment issue - the checking account number used to pay the bill, payee name, date the payment was scheduled, payment amount, reference number and payee account number for the payment in question. If you tell us orally, we may require that you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 90* days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in the our investigation. If you need more information about our error resolution procedures, call us at 000-000-0000 or toll-free 000-000-0000.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if possible using any of the methods as listed in the “Your Liability” section of this Agreement. If you think your statement is wrong incorrect or if you need more information about a transfer Service transaction listed on the a statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must provide the following information to us: • Tell us your Your name and account number (if any). number; • Describe Description of the error or the transfer you are unsure abouttransaction in question, and explain an explanation as clearly as you can to why you believe it is an error or why you need more information. ; and • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days. We will determine whether an error occurred give you the results of our investigation within 10 business days (20 business days if the transfer involved a new account) after you contact us and we hear from you and will correct any error errors promptly. If we find we do need more time, howevertime to research the issue, we may take up to 45 days to investigate (90 days if the transfer involved a complaint or questionnew account). 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 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 The Credit Union may revoke any provisional credit provided to you if we find an error did not occur. Your account is considered a 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 first 30 days after the first deposit is made, unless you think have already established an account with us before this account is in erroropened. We will tell you the results within three 3 business days after of completing our investigation. If we decide that there was are no errorerrors, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. Disclosure of Account Information to Third-Parties. 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 investigationtransactions you make only in the following circumstances: • Where is it necessary for completing transactions; • Where it is necessary for activating additional services; • In order to verify the existence and condition of your account to a third-party, such as a credit bureau or Payee; • To a consumer reporting agency for research purposes only; • In order to comply with a governmental agency or court orders; or, • If you give us your written permission.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone contact us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, immediately if you think your periodic statement is wrong or if you need more information about a transfer listed on the statement. transfer.. We must hear from you no later than sixty (60) days after we sent you the FIRST periodic statement was made available to you on which the problem or error appeared. You will need to tell us the following: • Tell us your Your name and account number (if any). • Describe the error error, payment, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 forty-five (45) days to investigate a complaint or question. If we decide to do this, we will credit your account within 10 ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 ten (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 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 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. You may request copies of the documents that were used in the investigation. Electronic Check Conversion‌‌‌ You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: (i) pay for purchases; and (ii) pay bills.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you canpossible by: • Sending a letter to Citizens Bank Mobile Banking Department, if 000 X Xxxx Xx., Xxxxxxx, XX 00000; • Emailing us at xxxx@xxxxxxxxxxxxxx.xxx; or • Contacting us at the following toll free phone number during normal Banking hours: (000)000-0000. If you think your statement is wrong incorrect or if you need more information about a transfer Service transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must: • Tell us your name and account number (if any). number; • Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. ; and • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your accountPayment Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, If it is determined there was no error 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 will mail you think is in error. We will tell you the results a written explanation within three business days (3) Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 or at: 000-000-0000. Or write to us at: Plumas Universal Bank, 00 X. Xxxxxx Avenue0000 Xxxxxxx Xx., QuincyXxxx Xxxxxx, CA 95971, as XX 00000. As soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any). ; • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. ; and • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more timetime is needed, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if possible through one of the following methods:  Telephone us at 580-423-7541during customer service hours; 9:00AM-4:30PM  Contact us by using the secure messaging feature within the Service; or  Write to us at Xxxxxx X Xxxx XX Xxx 000 Xxxxxxx XX 00000 If you think your statement is wrong incorrect or if you need more information about a an electronic transfer or Xxxx Payment transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. • You must:  Tell us your name name, relevant Service account number(s), and account number (if any). • Access ID;  Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. • The ; and,  Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer 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 We may take up to 20 business days Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you canpossible through one of the following methods: • Telephone us at 000-000-0000 during customer service hours. • Contact us by using the secure messaging feature within the Service. • Write to us at 000 Xxxxx Xxxxxx, if Elkins, WV 26241. If you think your statement is wrong incorrect or if you need more information about a an electronic transfer listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must: • Tell us your name and name, relevant Service account number (if anynumber(s). ; • Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. ; and, • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we We may take up to 20 business days twenty (20) Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur. If after revocation of the investigationprovisional credit your account is in a negative position it shall be your responsibility to immediately bring the account to a positive position.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Bill Payment transaction, telephone us you may call the Bank at 000.000.0000 0-000-000-0000, or write us ata letter and send it to: Plumas BankWinter Hill Bank Attn: IB Support Operations Center 000 Xxxxxx Xxxxxx Xxxxxxxxxx, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. XX 00000 For Consumer Accounts Only: We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement on which the problem or error appeared. • Tell us your We will need: * Your name and account number (if any). • Describe number; * A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • ; * The dollar amount of the suspected error; and * The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10) Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 business days ten (10) Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to 45 forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accountsIf your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made (New Accounts), point-of-sale, or foreign-initiated transactions, we may take up to the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar 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 errorplace of 45 calendar days. We will tell you the results within three business days (3) Business Days after completing our investigation. If we decide that there was is no error, we will send you a written explanationexplanation and we may revoke any provisional credit previously provided to you. You may request copies of the documents that were used in the investigation. You agree that the Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by the Bank shall be considered received within three (3) Business Days of the date sent by the Bank, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transferstransfers or payments, telephone you should contact us at 000.000.0000 any time, seven days a week, or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, at the address or phone number set forth in Section 3 if you think that your statement is wrong or if you need more information about a transfer or payment listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and the account number (if any)number(s) of the account(s) involved. • Describe the error or the transfer or payment you are unsure uncertain about, and explain as clearly as you can why you believe it is an error or why you need more information. • The Tell us the dollar amount of the suspected error. If you tell us orallyin person or by telephone, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days. We will determine whether an error occurred within 10 business days 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) to investigate a 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 the use of the 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 days, we may not credit your account. For errors involving Your account is considered a new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business first 30 days after completing our investigationthe first deposit is made, unless each of you already has an established account with us before this account is opened. If we decide that find there was no error, we will send you a written explanationexplanation within three (3) Business Days after we finish our investigation. You may request ask for copies of the documents that were we used in our investigation; if we provisionally credit your account, we may take back the investigation.amount of any credit if we find that an error did not occur. ADDITIONAL TERMS APPLICABLE ONLY TO TRANSFER AND XXXX PAYMENT SERVICES FOR BUSINESS ACCOUNTS

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should as soon as possible notify us at 000.000.0000 or write via one of the following: • Call us at: Plumas Bank000-000-0000 during our Support Services hours • Write us at: GHS Federal Credit Union, 00 X. Xxxxxx Avenue000 Xxxxx Xx, QuincyXxxxxxxxxx, CA 95971, as soon as you can, if XX 00000 If you think your statement is wrong incorrect or if you need more information about a transfer Service transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must: • Tell us your name and Service account number (if any). • Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. information • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your accountPayment Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, If it is determined there was no error 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 will mail you think is in error. We will tell you the results a written explanation within three business days (3) Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors If you have questions or questions about your electronic transfersyou think there has been an error concerning the Services, telephone you should contact Customer Service at 800.355.0641, or write to us at 000.000.0000 or write us at: Plumas Independent Bank, 00 X. Xxxxxx AvenueElectronic Banking Services, QuincyP.O. Box 279, CA 95971Xxxxxxx, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementXx 48809. We must hear from you no later than sixty (60) within 60 calendar days after we have sent you the FIRST first paper or electronic monthly statement on which the problem or error first appeared. • Tell If you notify us verbally, we may require you to send your complaint or question in writing within 10 business days of the verbal notice. We will need to know the following for all errors:  Your name and account number (if any)number. • Describe  A description of the error or the transfer you are unsure about, about and explain as clearly as you can an explanation of why you believe it is an error or why you need more additional information. •  The dollar amount of the suspected error. If you tell us orally For a Bill Pay issue - the checking account number used to pay the bill, we may require you to send us the complaint or question in writing within 10 business dayspayee name, date payment was scheduled, payment amount, reference number and payee account number. We will determine whether an error occurred advise you of the results of our investigation within 10 business days after we hear from you and will promptly correct any error promptlywe have made. If we need more time, howeveradditional time to complete our investigation, we may take up to 45 days to investigate a complaint or question. If we decide to do this, but we will provisionally re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business daysdays after the request, we may will 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. We will tell you the results within three business days after completing our investigation. If we decide determine that there was no error, we will send you a written explanationexplanation within 3 business days after we complete our investigation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about concerning electronic transfers to or from your electronic transfersTransfer Account, telephone call us at 000.000.0000 (000) 000-0000, or write to us at: Plumas at The Berkshire Bank, 00 X. Xxxxxx AvenueOperations Department, Quincy0 Xxxxxxxx, CA 95971Xxx Xxxx, Xxx Xxxx 00000, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statementany Transfer. We must hear from When you no later than sixty call or write: (601) days after we sent you the FIRST statement on which the problem or error appeared. • Tell tell us your name and the account number of your Transfer Account; (if any). • Describe 2) describe the error or the transfer Transfer you are unsure uncertain about, and explain as clearly as you can why you believe it is an error or why you need more information. • The ; and (3) tell us the dollar amount of the suspected error. For personal accounts, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared, but it is important that we hear from you at the earliest possible time. If you tell us orallyin person or by telephone, we may require that you to send us the your complaint or question in writing within 10 business daysBusiness Days. We will determine whether an error occurred within 10 business days Business Days after we hear from you and and, if we determine that an error has occurred, we will correct any error it promptly. If we need more time, however, we may take up to 45 days to investigate a your complaint or question. If we decide to do this, we will provisionally credit your the account in question within 10 business days Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it the writing within 10 business daysBusiness Days, we may not provisionally 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 provisionally credit your account for the amount you think is in error. We will tell you the results within three business days 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used we relied on to reach our conclusion. Please note that if we credit your account with an amount in dispute before we complete our investigation, the investigationcredit is provisional. This means that if our investigation reveals that an error did not occur or that your dispute is invalid, then we can withdraw the amount that we provisionally credited to your account. If your claim is partially valid, then we can withdraw any amount in excess of the amount of the valid claim. In case of errors or questions about your electronic transfers that appear on any of your External Account statements, please contact the financial institutions that provided such statements to you in accordance with the terms and conditions of your External Account. For non-personal accounts, you acknowledge that the error resolution and liability provisions applicable to consumers and consumer accounts contained in our Account Agreement and Disclosures and on the back of periodic statements or other documents that you may receive from us do not apply to non-consumer accounts (i.e., business or non-personal accounts). You agree to examine and reconcile your online banking or periodic statements that will record Transfers in a timely manner. The owners of non-consumer accounts must notify us immediately if they discover any unauthorized transactions or errors, at the address and telephone number listed above, as soon as you can, if you think that your statement is wrong or you need more information about any transaction. We will not be liable for any errors or losses you sustain by any Transfer, except where we fail to exercise ordinary care in processing any transaction. Our liability in any case shall be reduced by any amount which, even with the exercise of ordinary care, would have been lost, and our obligation to correct any errors or omissions will be limited to using commercially reasonable efforts to correct the transaction. You acknowledge that since your Transfer Account is a non-consumer account, you are required to notify us within 24 hours of any unauthorized Transfers from your Transfer Account, and acknowledge that any Transfers to or from your Transfer Account are presumed to be authorized by you. Failure to notify us within such a time period will forever preclude you from asserting against us that a Transfer from your Transfer Account was unauthorized.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you canpossible by: • Sending a letter to Citizens Bank Mobile Banking Department, if 000 X Xxxx Xx., Xxxxxxx, XX 00000; • Emailing us at xxxx@xxxxxxxxxxxxxx.xxx; or • Contacting us at the following toll free phone number during normal banking hours: (000)000-0000. If you think your statement is wrong incorrect or if you need more information about a transfer Service transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. You must: • Tell us your name and account number (if any). number; • Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. ; and • The Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account Payment Account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your accountPayment Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, If it is determined there was no error 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 will mail you think is in error. We will tell you the results a written explanation within three business days (3) Business Days after completing completion of our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 (000) 000-0000 or write us at: Plumas American Riviera Bank, 00 X. Xxxxxx AvenueP.O. Box 329, QuincySanta Barbara, CA 9597193102, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if i f any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transfersregarding Online Banking or any of its Services, telephone us you may call Silvergate Bank at 000.000.0000 800‐ 595‐5856, or write us ata letter and send it to: Plumas BankSilvergate Bank Attention: Central Operations 0000 Xxxxxxxxx Xxxxxx, 00 X. Xxxxxx AvenueXxxxx 000 Xx Xxxxx, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement on which the problem or error appeared. We will need: • Tell us your Your name and account number (if any)accountnumber. • Describe A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more informationmoreinformation. • The dollar amount of the suspected error. • The date on which itoccurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10) Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 business days ten (10) Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to 45 forty‐five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation iscompleted. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate If your complaint or question. For new accounts, we may take up to 20 business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three business first thirty (30) days after completing our investigationthe first deposit to the account was made, the applicable time periods are twenty (20) Business Days instead of ten (10) Business Days and ninety (90) calendar days instead of forty‐five (45) calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days after the Bank’s decision on the matter. You may request copies of the documents that were used in the investigation. You agree that we may respond to you by e‐mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Silvergate Bank shall be considered received within three (3) Business Days of the date sent by Silvergate Bank, regardless of whether or not you sign on to the System within that time frame.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Online Bill Payment transaction, telephone us you may call Security Federal Savings Bank at 000.000.0000 000-000-0000, or write us ata letter and send it to: Plumas BankSecurity Federal Savings Bank Attention: Customer Service 000 Xxxxx Xxxxxx Xxxxxx, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement on which the problem or error appeared. • Tell us your We will need: * Your name and account number (if any)number. • Describe * A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • * The dollar amount of the suspected error. * The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10) Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 business days ten (10) Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to 45 forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate If your complaint or question. For new accounts, we may take up to 20 business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that Security Federal Savings Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Security Federal Savings Bank shall be considered received within three (3) Business Days of the date sent by Security Federal Savings Bank, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case cases of errors or questions about your electronic transfers, telephone us at 000.000.0000 or write us at: Plumas concerning transactions completed with the Tioga State Bank, 00 X. Xxxxxx AvenueN.A. Mobile Banking or any Service of Tioga State Bank, QuincyN.A. Online Banking, CA 95971do one of the following, as soon as you canpossible: Telephone us at: 000-000-0000, if you think your statement is wrong or if you need more information about a transfer listed on Write to: Tioga State Bank, N.A., 0 X. Xxxx Xxxxxx, XX Xxx 000, Xxxxxxx, XX 00000-0000, OR E-mail us via the statementsecure e-mail provided within Tioga State Bank, N.A. Online. We must hear from you no later than sixty (60) days after we sent you Please provide us the FIRST statement on which following information: Name, Address, Tioga State Bank, N.A. Account Number & Online ID, Description of the problem or error appearederror, and Amount of the error. • Tell us your name and For Bill Payment errors tell us: Checking account number (if any)used to pay the bill, Payee name, Date payment was sent, Confirmation number, Payment amount, Payee account number for the payment in question. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. CONSUMER DEPOSIT ACCOUNTS NOTICE OF ERROR RESOLUTION If you tell us orally, we may require that you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request ask for copies of the documents that were we used in our investigation. CONSUMER LINE OF CREDIT ACCOUNTS NOTICE OF ERROR RESOLUTION • You must contact us within 60 days after the investigation.error appeared on your statement. • You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. • While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. COMMERCIAL/MUNICIPAL CUSTOMERS

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Online Xxxx Payment transaction, telephone us you may call Winchester Savings Bank at 000.000.0000 781‐729‐2130, or write us ata letter and send it to: Plumas BankWinchester Savings Bank Attention: Deposit Operations 000 Xxxx Xx Xxxxxxxxxx, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement on which the problem or error appeared. • Tell us your We will need: * Your name and account number (if any)number. • Describe * A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • * The dollar amount of the suspected error. * The date on which it occurred. If you tell the report is made to us orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10)** Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 business days ten (10)** Business Days after you contact us and we hear from you and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to 45 forty‐five (45)** calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10)** Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate ** If your complaint or question. For new accounts, we may take up to 20 business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three business first 30 days after completing our investigationthe first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days. If we decide determine that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days. You may request copies of the documents that were used in the investigation. You agree that Winchester Savings Bank may respond to you by email with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Winchester Savings Bank shall be considered received within three (3) Business Days of the date sent by Winchester Savings Bank, regardless of whether or not you sign on to the Service within that time frame. We will use the email address that appears in our records. If you change your email address, you are responsible for providing us with your new email address. LIMIT OF WINCHESTER SAVINGS BANK’S RESPONSIBILITY Winchester Savings Bank will be responsible for acting only on those instructions sent through Online Banking that are actually received, and cannot assume responsibility for circumstances over which we have no direct control. This includes but is not limited to, the failure of or malfunctions in communication facilities which may affect the accuracy or timeliness of messages you send. Winchester Savings Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service. Any information you receive from Winchester Savings Bank is believed to be reliable. However, it can only be provided on a best‐efforts basis for your convenience and is not guaranteed. Winchester Savings Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information. Winchester Savings Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking and making online xxxx payments. Winchester Savings Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Winchester Savings Bank's liability shall be as expressly set forth herein. Under no circumstances will Winchester Savings Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable, and whether or not we have been informed of the possibility of such damages. By consenting to use the Services, you agree to waive any and all rights to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein. WINCHESTER SAVINGS BANK’S RESPONSIBILITY Winchester Savings Bank will be responsible for your losses, as allowed by law, if they were directly caused by our failure to complete or cancel an Electronic Funds Transfer as properly requested by you. However, we will NOT be responsible for your losses if: * through no fault of Winchester Savings Bank, you do not have enough money in your account to make the transfer. * through no fault of Winchester Savings Bank, the transaction would have caused you to exceed your available credit. * circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. * there is a hold on your account, or if access to your account is blocked in accordance with bank policy. * your funds are subject to legal process or other encumbrance restricting the transfer. * your transfer authorization terminates by operation of law. * you believe someone has accessed your accounts without your permission and you fail to notify Winchester Savings Bank immediately. * you have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the payee refuses the payment. * if any payee fails to correctly account for or credit the payment in a timely manner. * we have received incomplete or inaccurate information from you or a third party involving the account or transfer. * the payee's address or account number changes and you do not provide timely notice to us of the change. * we have a reasonable basis for believing that unauthorized use of your Password or Account has occurred or may be occurring, or if you default under this Agreement, any applicable deposit account agreement, credit agreement, or any other agreement with us, or if we or you terminate this Agreement. There may be other exceptions stated in this Agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages, even if we are informed of the possibility of such damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. ELECTRONIC MAIL (EMAIL) If you send Winchester Savings Bank an electronic mail message through the Service, Winchester Savings Bank will be deemed to have received it on the following Business Day. Emails will be answered within a reasonable timeframe. You should not rely on electronic mail if you need to communicate with Winchester Savings Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur). You agree that Winchester Savings Bank may respond to you by electronic mail with regard to any matter related to the Services, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Winchester Savings Bank shall be considered received within three (3) days of the date sent by Winchester Savings Bank, regardless of whether or not you sign on to the Service or check your emails within that time frame. ALERTS/MESSAGES Online Banking alerts allow you to set up automated alert events based on criteria you select. Alerts may be sent via email or in an online message within Online Banking, or both. Email alerts will be sent to the email address you provide in creating the alert. If you change your email address, you are responsible for updating the alerts you have already set up with your new email address. You agree that:  We may add or remove types of alerts from time to time.  Alerts may be delayed or prevented for a variety of reasons beyond our control and we cannot guarantee the delivery or validity of the contents of any alert.  You agree that we shall not be liable for any delays, delivery failure or misdirected delivery of any alert, or for any actions taken or not taken by you or anyone else in reliance on an alert.  The Bank will never include your password or full account number in an email alert; however, alerts may include your name and some information about your accounts.

Errors and Questions. In case Case of errors Errors or questions about your electronic transfersQuestions Regarding a BEACON Online Banking or Xxxx Payment Transaction, telephone us call Beacon Business Bank at 000.000.0000 or one of our branch locations San Xxxxxxxxx Xxxxxx: (000) 000-0000 Peninsula Branch: (000) 000-0000 East Bay Branch: (000)000-0000 Or write us at: Plumas BankBEACON BUSINESS BANK 00 XXXXXX XXXXXX, 00 X. Xxxxxx AvenueXXXXX 0000 XXX XXXXXXXXX, Quincy, CA 95971, XX 00000 as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. • Tell us your We will need:  Your name and account number (if any)number. • Describe  A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. If you tell us the report is made orally, we may require that you to send us the 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 and will correct any error promptly. If we need more timetime is needed, however, we may take up to 45 forty-five (45) days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 ten (10) business days for the amount you think is in error, so that . This will allow you will have the 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 ten (10) business days, we may not credit your account. For errors involving If an alleged error involves a new accountsaccount, point-of-sale, or foreign-initiated transactionstransfer, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 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 determine that there was no errorerror occurred, we will send you a written explanation. You may request copies of the documents that were we used in the our investigation.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 0-000-000-0000, or write to us at: Plumas Bank, 00 X. Farmers & Merchants Bank Online Banking Services 0000 Xxxxxx Avenue, QuincyXxxxx Dr. Seal Beach, CA 95971, 90740 U.S.A. You must write or call as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) 60 days after we sent you the FIRST statement on which the problem or error appeared. • - Tell us your name and account number (if any). • ; - Describe of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ; and - The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more timetime is needed, however, we may take up to 45 days to investigate a 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 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 accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transferstransactions, telephone you should notify us at 000.000.0000 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you canpossible through one of the following methods:  Telephone us at (000) 000-0000 during customer service hours;  Contact us by using the secure messaging feature within the Service; or  Write to us at Bank of the Bluegrass & Trust Co., if 000 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000 If you think your statement is wrong incorrect or if you need more information about a an electronic transfer or Xxxx Payment transaction listed on the statement. We , we must hear from you no later than sixty (60) days after we sent you the FIRST statement was sent to you on which the problem or error appearedappears. • You must:  Tell us your name name, relevant Service account number(s), and account number (if any). • User Name;  Describe the error or the transfer you are unsure abouttransaction in question, and explain as clearly as you can possible why you believe it is an error or why you need more information. • The ; and,  Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you to send us the your complaint or question in writing within 10 business daysten (10) Business Days after your verbal notification. We will determine whether an error occurred tell you the results of our investigation within 10 business days ten (10) Business Days after we hear from you you, and will correct any error promptly. If However, if we need require more time, howevertime to confirm the nature of your complaint or question, we may reserve the right to take up to 45 forty-five (45) days to investigate a complaint or questioncomplete our investigation. If we decide to do this, we will provisionally credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing and we do not receive it within 10 business daysten (10) Business Days, we may not provisionally credit your account. For errors involving regarding electronic transactions on new consumer 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 We may take up to 20 business days Business Days to credit your a new account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that it is determined there was no error, we will send mail you a written explanationexplanation within three (3) Business Days after completion of our investigation. You may request ask for copies of the documents that were used in the our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Errors and Questions. In case of errors or questions about your electronic transfersregarding an Online Banking or Xxxx Payment transaction, telephone us you may call the Bank at 000.000.0000 0-000-000-0000, or write us ata letter and send it to: Plumas BankWinter Hill Bank Attn: IB Support Operations Center 000 Xxxxxx Xxxxxx Xxxxxxxxxx, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. XX 00000 For Consumer Accounts Only: We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement on which the problem or error appeared. • Tell us your We will need: * Your name and account number (if any). • Describe number; * A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. • ; * The dollar amount of the suspected error; and * The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10) Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 business days ten (10) Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to 45 forty-five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will provisionally credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accountsIf your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made (New Accounts), point-of-sale, or foreign-initiated transactions, we may take up to the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar 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 errorplace of 45 calendar days. We will tell you the results within three business days (3) Business Days after completing our investigation. If we decide that there was is no error, we will send you a written explanationexplanation and we may revoke any provisional credit previously provided to you. You may request copies of the documents that were used in the investigation. You agree that the Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by the Bank shall be considered received within three (3) Business Days of the date sent by the Bank, regardless of whether or not you sign on to the Service within that time frame.

Errors and Questions. In case of errors or questions about your electronic transferstransfers or payments, telephone us you should: o Write to: First State Bank of St Xxxxxxx 000 X Xxxxx Xx. Xx Xxxxxxx, MO 63301, or o Call Product Support at 000.000.0000 636-940-5555 or write us at: Plumas Bank, 00 X. Xxxxxx Avenue, Quincy, CA 95971, as soon as you can, if 0-000-000-0000 If you think your monthly statement or receipt is wrong or if you need more information about a transfer listed on the statement. We your statement or receipt, we must hear from you no later than sixty (60) days after we have sent you the FIRST monthly statement on which the problem or error appeared. • Tell You must provide us your with: o Your name and account number (if any). • Describe o A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • o The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 investigate your complaint and will correct any error promptly. If we need take more time, however, we may take up to 45 days to investigate a complaint or question. If we decide than ten (10) Business Days to do this, we will credit recredit your account within 10 business days Accounts for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Tell us AT ONCE if you believe your password has been lost or stolen. Calling is the best way of keeping your possible losses down. You could lose all the money in your Accounts. If we ask you tell us within two (2) Business Days, you can lose no more than $50 (does not apply to put Business accounts). If you do NOT tell us within two (2) Business Days after you learn of the lost or theft of your complaint or question in writing password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500 (does not apply to Business accounts). Tell as AT ONCE if your statement shows transfers that you did not make. If you do not receive it tell us within 10 business dayssixty (60) days after the statement was mailed to you, we you may not credit get back any money you lost after the sixty (60) days if we can prove that we could have prevented someone from taking money if you had told us in time (does not apply to Business accounts). If you believe your account. For errors involving new accountspassword has been lost or stolen or that someone has transferred or may transfer money from your Accounts without your permission, pointcall 000-of000-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 0000 during normal business days to credit your account for the amount you think is in errorhours. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies cannot accept notification of the documents that were used in the investigationlost or stolen passwords or unauthorized transfers via email.

Errors and Questions. In case of errors or questions about your electronic transfers, telephone us at 000.000.0000 000-000-0000 or write us at: Plumas BankBank of Marin, 00 X. Xxxxxx Avenueaddressed either to P.O. Box 2039, QuincyNovato, CA 9597194948-2039, , as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. •  Tell us your name and account number (if any). •  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. If you tell us orally, we may require you to send us the 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 and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate a complaint or question. If we decide to do this, we will credit your account Account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your accountAccount. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account Account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation.

Errors and Questions. In case of errors or questions about your electronic transfersregarding Online Banking or any of its Services, telephone us you may call Silvergate Bank at 000.000.0000 800‐ 595‐5856, or write us ata letter and send it to: Plumas BankSilvergate Bank Attention: Central Operations 0000 Xxxxxxxxx Xxxxxx, 00 X. Xxxxxx AvenueXxxxx 000 Xx Xxxxx, Quincy, CA 95971, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. XX 00000 We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the FIRST first statement on which the problem or error appeared. • Tell us your We will need:  Your name and account number (if any)number. • Describe  A description of the error or the transfer you are unsure aboutin question, and explain as clearly as you can an explanation concerning why you believe it is an error or why you need more information. •  The dollar amount of the suspected error.  The date on which it occurred. If you tell us the report is made orally, we may require that you to send us the complaint or question in writing within 10 business daysten (10) Business Days from your initial contact. We will determine whether an error occurred notify you with the results of the investigation within 10 business days ten (10) Business Days after we hear from you contact us and will correct any error promptly. If we need more timetime is needed, however, we may may, at our sole discretion, take up to 45 forty‐five (45) calendar days to investigate a complaint or question. If we decide to do thisthis occurs, we will credit your account within 10 business days ten (10) Business Days for the amount you think is in error, so that . This will allow you will have the 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 is not received in writing and we do not receive it within 10 business daysten (10) Business Days from your original contact, we may not credit your accountaccount until the investigation is completed. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate If your complaint or question. For new accounts, we may take up to 20 business days to credit your account for notice of error concerns a transaction that occurred during the amount you think is in error. We will tell you the results within three business first thirty (30) days after completing our investigationthe first deposit to the account was made, the applicable time periods are twenty (20) Business Days instead of ten (10) Business Days and ninety (90) calendar days instead of forty‐five (45) calendar days. If we decide determined that there was no errorerror occurred, we will send you a written explanationnotice within three (3) Business Days after the Bank’s decision on the matter. You may request copies of the documents that were used in the investigation. You agree that we may respond to you by e‐mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Silvergate Bank shall be considered received within three (3) Business Days of the date sent by Silvergate Bank, regardless of whether or not you sign on to the System within that time frame.