Common use of Errors/Unauthorized Electronic Funds Transfers Clause in Contracts

Errors/Unauthorized Electronic Funds Transfers. Here’s how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made: • Phone: 0.000.000.0000 • Paper Mail: Pinnacle Bank XX Xxx 000 Xxxxxx XX 00000-0000 • Your local Pinnacle Bank branch. We must hear from you no later than sixty (60) days after the date we send the first statement on which the problem or error appeared. When contacting us about an error or with questions, please tell us: • Your name and account number (if any). • About the error or the transfer you question, and clearly explain why you believe it is an error or why you need more information. • The dollar amount and date of the suspected error. If you report a problem by phone, we may need you to submit your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within ten (10) Business Days after we hear from you, and will promptly correct any error. If we need more time to conduct our investigation, we will notify you of our need for an extension of up to forty-five (45) days. If we decide to do this, we will credit your account within ten (10) Business Days for the amount you think is in error, so you can use 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 do not receive it within ten (10) Business Days, we may not credit your account. We may permit you to initiate or monitor the status of certain kinds of complaints or questions electronically on the Website. Complaints or questions you initiate via the process we provide on the Website will be considered as written. For errors involving new accounts, point-of-sale or foreign-initiated transactions, our investigation may take up to ninety (90) calendar days. For new accounts, we may take up to twenty (20) Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that no error occurred, we will send you an explanation. You can ask for copies of the documents that we used in the investigation.

Errors/Unauthorized Electronic Funds Transfers. Here’s how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made: • Phone: 0.000.000.0000 • Paper Mail: Pinnacle Bank of Colorado XX Xxx 000 Xxxxxx XX 00000-0000 • Your local Pinnacle Bank of Colorado branch. We must hear from you no later than sixty (60) days after the date we send the first statement on which the problem or error appeared. When contacting us about an error or with questions, please tell us: • Your name and account number (if any). • About the error or the transfer you question, and clearly explain why you believe it is an error or why you need more information. • The dollar amount and date of the suspected error. If you report a problem by phone, we may need you to submit your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within ten (10) Business Days after we hear from you, and will promptly correct any error. If we need more time to conduct our investigation, we will notify you of our need for an extension of up to forty-five (45) days. If we decide to do this, we will credit your account within ten (10) Business Days for the amount you think is in error, so you can use 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 do not receive it within ten (10) Business Days, we may not credit your account. We may permit you to initiate or monitor the status of certain kinds of complaints or questions electronically on the Website. Complaints or questions you initiate via the process we provide on the Website will be considered as written. For errors involving new accounts, point-of-sale or foreign-initiated transactions, our investigation may take up to ninety (90) calendar days. For new accounts, we may take up to twenty (20) Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that no error occurred, we will send you an explanation. You can ask for copies of the documents that we used in the investigation.

Errors/Unauthorized Electronic Funds Transfers. Here’s how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made: • Phone: 0.000.000.0000 • Paper Mail: Pinnacle Bank XX Xxx 000 Xxxxxx XX 00000of Colorado PO Box 598 Gretna NE 68028-0000 0598 • Your local Pinnacle Bank of Colorado branch. We must hear from you no later than sixty (60) days after the date we send the first statement on which the problem or error appeared. When contacting us about an error or with questions, please tell us: • Your name and account number (if any). • About the error or the transfer you question, and clearly explain why you believe it is an error or why you need more information. • The dollar amount and date of the suspected error. If you report a problem by phone, we may need you to submit your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within ten (10) Business Days after we hear from you, and will promptly correct any error. If we need more time to conduct our investigation, we will notify you of our need for an extension of up to forty-five (45) days. If we decide to do this, we will credit your account within ten (10) Business Days for the amount you think is in error, so you can use 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 do not receive it within ten (10) Business Days, we may not credit your account. We may permit you to initiate or monitor the status of certain kinds of complaints or questions electronically on the Website. Complaints or questions you initiate via the process we provide on the Website will be considered as written. For errors involving new accounts, point-of-sale or foreign-initiated transactions, our investigation may take up to ninety (90) calendar days. For new accounts, we may take up to twenty (20) Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that no error occurred, we will send you an explanation. You can ask for copies of the documents that we used in the investigation.

Errors/Unauthorized Electronic Funds Transfers. Here’s how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made: • Phone: 0.000.000.0000 • Paper Mail: Pinnacle Bank XX Xxx 000 Xxxxxx XX 00000PO Box 598 Gretna NE 68028-0000 0598 • Your local Pinnacle Bank branch. We must hear from you no later than sixty (60) days after the date we send the first statement on which the problem or error appeared. When contacting us about an error or with questions, please tell us: • Your name and account number (if any). • About the error or the transfer you question, and clearly explain why you believe it is an error or why you need more information. • The dollar amount and date of the suspected error. If you report a problem by phone, we may need you to submit your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within ten (10) Business Days after we hear from you, and will promptly correct any error. If we need more time to conduct our investigation, we will notify you of our need for an extension of up to forty-five (45) days. If we decide to do this, we will credit your account within ten (10) Business Days for the amount you think is in error, so you can use 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 do not receive it within ten (10) Business Days, we may not credit your account. We may permit you to initiate or monitor the status of certain kinds of complaints or questions electronically on the Website. Complaints or questions you initiate via the process we provide on the Website will be considered as written. For errors involving new accounts, point-of-sale or foreign-initiated transactions, our investigation may take up to ninety (90) calendar days. For new accounts, we may take up to twenty (20) Business Days to credit your account for the amount you think is in error. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that no error occurred, we will send you an explanation. You can ask for copies of the documents that we used in the investigation.