Common use of In Case of Errors or Questions Clause in Contracts

In Case of Errors or Questions. About Your Electronic Transfers. Call us at (000) 000-0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on a statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) your name and Account number; (ii) why you believe there is an error and the dollar amount involved; and (iii) approximately when the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account. 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 your complaint or question. If we decide to do this, we will provide a provisional credit to 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 that 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 provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to 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 ask for copies of the documents that we used in our investigation.

In Case of Errors or Questions. About ABOUT TRANSACTIONS INVOLVING CONSUMER ACCOUNTS This section applies only to transactions covered by this agreement and that involve consumer accounts. In case of errors or questions about electronic funds transfers, you may contact us as set forth in the Your Electronic TransfersCommunications With Community Bank of Santa Xxxxx section on the last page of this agreement. Call You should contact us at (000) 000-0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can possible, if you think your statement or receipt is wrong or if you need more information about a transaction transfer listed on a statement or receiptyour statement. We must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When notifying us, you will need You must be prepared to tell usprovide the following information: (i) • Tell us your name and Account number; account number (ii) if any). • Description of the error or transfer you are unsure about, along with an explanation as to why you believe there it is an error and the or why you need more information. • The dollar amount involved; and (iii) approximately when of the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the suspected error. If you tell us orallyprovide oral notice, we you may require that you be required to send us in your complaint or question in writing within 10 ten (10) business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account. We will determine whether an error occurred within 10 ten (10) business days (twenty (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 forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will provide a provisional provisionally credit to your Account account within 10 ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time that 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 provide a provisional provisionally credit your account. The extended time periods for New Accounts apply to your Account. For errors involving new Accountsall electronic funds transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign-initiated or point-of-sale transactions, or foreign-initiated transactions, we . We may take up to 90 ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to 20 A written explanation will be sent within three (3) business days to provide a provisional credit to your Account for after the amount you think investigation is in errorcomplete. We will tell notify you the results within three business days after completing our investigation. If we decide that if there was no error, we will send error or the error was different than you a written explanationdescribed. You may ask for copies of the documents that we used in our investigation.

In Case of Errors or Questions. About Your Electronic Transfers. Call us at (000) 000-0000 or write us at Customer Care, X.X. Xxx 0000P.O. Box 5100, XxxxxxxxPasadena, XX 00000 CA 91117 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on a statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) your name and Account number; (ii) why you believe there is an error and the dollar amount involved; and (iii) approximately when the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account. 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 your complaint or question. If we decide to do this, we will provide a provisional credit to 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 that 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 provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to 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 ask for copies of the documents that we used in our investigation.

In Case of Errors or Questions. About Your Electronic Transfers. Call In case of errors or questions about your electronic transfers, telephone us at (at: 000) -000-0000 or 000-000-0000; or write to us at Customer Careat: Montecito Bank & Trust, X.X. Xxx 0000P.O. Box 2460, XxxxxxxxSanta Barbara, XX 00000 CA 93120 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about a transaction transfer listed on a statement or receiptthe statement. We must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) • Tell us your name and Account number; account number (ii) if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and the or why you need more information. • The dollar amount involved; and (iii) approximately when of the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the suspected error. If you tell us orally, we may require that you send us your the complaint or question in writing within 10 ten (10) business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account. 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 your a complaint or question. If we decide to do this, we will provide a provisional credit to your Account 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 that 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 provide a provisional credit to your Accountaccount. For errors involving new Accountsaccounts, point-of-sale transactionssale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Accountsaccounts, we may take up to 20 business days to provide a provisional credit to 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 ask for request copies of the documents that we were used in the investigation. Service Fees and Charges There is no monthly service charge associated with the utilization of our investigationOnline Xxxxxx, Xxxx Payment, or MB&T Mobile. Fees and charges associated with your Account(s) are disclosed in the disclosure provided to you with the Account(s) at the time of opening and in fee schedules and disclosures that have been provided to you in connection with your account. Fees are subject to change. Please contact us as provided in the “In Case of Errors or Questions” Section of this Agreement or visit one of our branches for current information about applicable fees. We may impose new fees and charges, or increase or change existing fees and charges. We will provide advance notice of these changes to you if required by law. You authorize us to charge the designated Account and/or any other account you hold with us to cover your fees and charges. You also authorize us to charge you according to our then-current fee schedule. For a current Schedule of Fees and Charges, please visit: xxxxx://xxx.xxxxxxxxx.xxxx/disclosures In addition, for certain savings accounts and money market deposit accounts, an excess transaction fee may apply to each withdrawal or transfer that exceeds the number of limited transactions you may make each statement period. These fees are described in the "Schedule of Fees and Charges". Please refer to the terms of the deposit agreement for that Account and your Schedule of Fees and Charges for additional information and to confirm if your accounts are subject to these fees. Additionally, fees may be assessed for added features of the System such as stop payment requests and insufficient available funds transactions. While there is no fee or charge assessed by the Bank for you to access MB&T Mobile, you may incur charges to receive Internet service on your Wireless Access Device. You may also incur charges from your telecommunications carrier when sending and receiving text messages from the Bank. You hereby agree that you, and not the Bank, will be responsible for providing a compatible Wireless Access Device and maintaining the third-party cellular contract, including paying fees, charges and taxes associated with the service (including, but not limited to, text messaging charges, and Internet access charges, as applicable.) You agree to pay any additional charges for Bank services you request that are not covered by this Agreement. You are also responsible for telephone, Internet and any other third party fees you incur in connection with your use of the System. If you do not use this Service for any 180-day period, we reserve the right to discontinue your Service without notice to you. To the extent permitted by law, you give us the right to set off any of your deposits or property which may be in our possession against any amount owed to us under this Agreement. This right of set off does not extend to any Xxxxx, XXX account, or similar tax-deferred deposit. Hours of Operation You will generally be able to use Services seven days a week, 24 hours a day. However, a Service may not be available due to system maintenance or circumstances beyond our control. Services may be added, cancelled or limited at any time or from time to time, with or without cause or notice (except as required by law).

In Case of Errors or Questions. About Your Electronic Transfers. Call ABOUT YOUR ELECTRONIC TRANSFERS Telephone us at (000) 000-0000 or write us at Customer Careat: Truliant Federal Credit Union Attention: Online Banking, X.X. Xxx 0000, Xxxxxxxx00000 Xxxxxxx-Xxxxx, XX 00000 as 00000-0000 As soon as you can can, if you think your statement or receipt is wrong or if you need more information about a transaction transfer listed on a the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) Tell us your name and Account number; (ii) the applicable account numbers. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. Tell us the dollar amount involved; and (iii) approximately when of the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account. We will determine whether an error occurred tell you the results of our investigation 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 your complaint or question. If we decide to do this, we will provide a provisional credit to 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 that 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 provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to your Account for the amount you think is in error. We will tell you the results within three business days after completing our investigationaccount. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

In Case of Errors or Questions. About Your Electronic Transfers. Call In case of errors or questions about your electronic transactions: Telephone us at (000) -000-0000 or write us at Customer Careon any business day, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on a the statement or receipt. We must hear from you no later than 60 days after we have sent or delivered to you the FIRST first statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) your name and Account number; (ii) why you believe there is an error and the dollar amount involved; and (iii) approximately when the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell us orally, we may will require that you send us to submit your complaint or question in writing dispute within 10 15 business days. You agree If you subscribe to cooperate reasonably the Credit Union’s Online or Mobile banking platforms, you can submit a dispute via this service. If you do not have Online or Mobile banking access, please contact the Credit Union for assistance with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Accountsubmitting a dispute. We will determine whether an error occurred tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, time however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional “provisionally” credit to your Account account within 10 business days for the amount you think is in errorerror (less any amount for which you may be liable), so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint Complaints or question questions must be submitted in writing and we do not receive it within 10 business days, or we may not provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to your Account for the amount you think is in error. We will tell you the results within three business days after completing our investigationaccount. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. We will also make arrangements for the repayment of the provisional credit. You may ask for copies of the documents that we used received in our investigation. LIABILITY FOR UNAUTHORIZED ATM TRANSACTIONS Tell the Credit Union IMMEDIATELY if you believe your Card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (plus your maximum overdraft Line of Credit, if you have one). If you tell the Credit Union within two (2) business days, you can lose no more than $50 if someone used your card or PIN without your permission. If you DO NOT tell the Credit Union within (2) business days after you learn of the loss or theft of your card or PIN, and the Credit Union can prove it could have stopped someone from using your Card or PIN without your permission if you had told the Credit Union, you could lose as much as $500. Your liability with respect to unauthorized transactions may be greater than the above limits to the extent allowed under applicable law, only if the Credit Union has determined that you were grossly negligent or fraudulent in the handling of your account or card. Also, if your statement shows transfers that you did not make, tell the Credit Union IMMEDIATELY. If you do not tell the Credit Union within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if the Credit Union can prove that it could have stopped someone from taking the money if you had reported it in time. If a good reason (such as a long trip or a hospital stay) kept you from telling the Credit Union, the time periods may be extended. If you furnish your Card and PIN to a person (such as a family member, friend, business associate or employee) and grant them authority to use your card for a “specific” transaction, and they exceed the authority given, you are fully liable for any transaction(s) that exceed your initial authority, UNLESS you notify the Credit Union immediately following the completion of the authorized transactions, that any additional transactions by that person which exceed your initial authority, are no longer authorized. You also agree to co-operate with the Credit Union to recover any unauthorized funds that are withdrawn from your account by said person, by filing a police report that names the person in question, and supporting the credit unions efforts to seek restitution against the person in question. LIABILITY FOR UNAUTHORIZED “VISA” TRANSACTIONS Your liability for the unauthorized use of your Card with the VISA logo (when it is used as a VISA card) will be zero ($0.00) if we received notice from you within 60 days after we sent or delivered to you the first statement on which the unauthorized transaction appeared. If you furnish your Card and PIN to a person (such as a family member, friend, business associate or employee) and grant them authority to use your card for a “specific” transaction, and they exceed the authority given, you are fully liable for any transaction(s) that exceed your initial authority, UNLESS you notify the Credit Union immediately following the completion of the authorized transactions, that any additional transactions by that person which exceed your initial authority, are no longer authorized. You also agree to co-operate with the Credit Union to recover any unauthorized funds that are withdrawn from your account by said person, by filing a police report that names the person in question, and supporting the credit unions efforts to seek restitution against the person in question. HOW TO NOTIFY THE CREDIT UNION IN THE EVENT OF AN UNAUTHORIZED TRANSACTION If you believe the Card has been lost or stolen or that someone has transferred money from your account without your permission, please notify us as quickly as possible by calling the Member Solution Center at 0-000-000-0000, or after hours and on weekends at 0-000-000-0000.

In Case of Errors or Questions. About Your Electronic Transfers. Call Telephone us at (000) 000-0000 or 000-000-0000, or write us at Customer CareCredit Union of Texas, X.X. Xxx 0000P.O. Box 7000, XxxxxxxxAllen, XX 00000 Texas 75013-1305 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about a transaction transfer listed on a the statement or receipt. We must hear from you no later than 60 calendar days after we sent the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) • Tell us your name and Account account number; (ii) . • Describe the error, or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and or why you need more information. • Tell us the dollar amount involved; and (iii) approximately when of the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds fromIf we do not receive it within that timeframe, and to assist in the prosecution of, any unauthorized users of we may not provisionally credit (see below) your Accountaccount. 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 calendar days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to 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 that it takes us to complete our investigation. If we ask you to put your complaint or question in writing writing, and we do not receive it within 10 business days, we may not provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactionssale, or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. For new Accounts, we may take up to 20 business days to provide a provisional credit to your Account for the amount you think is in error. Provisional credit is a temporary credit that allows you to use the amount of money in dispute during the time it takes us to complete our investigation. We will tell you report the results of our investigation to you within three 3 business days after completing our investigation. If we decide that determine there was an error, we will promptly correct it. If we determine there was no error, we will send you a written explanationexplanation of our findings. You may ask for copies of the documents, other than documents that might be privileged under legal standards, that we used in making our investigationdetermination. If we determine that there was not an error, any provisional credits will be taken out of your account in accordance with Regulation E, and if there are insufficient funds in your account to cover the reversal of the provisional credit, the account may become overdrawn.

In Case of Errors or Questions. About Your Electronic TransfersIn case of errors or questions regarding HomeConnect or your electronic transfers, call our Customer Service Center at 1-800-EASTERN (1-800-327-8376). Call Or write to us at (000) 000at: Eastern Bank Online Banking Team 000 Xxxxxx Xxxxxx, XX0-00 Xxxx, Xxxxxxxxxxxxx 00000-0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction transfer listed on a the statement or receipt. We must hear from you no later than 60 sixty (60) calendar days after we sent the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) - Tell us your name and Account account number; (ii) . - Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there it is an error and or why you need more information. - Tell us the dollar amount involved; and (iii) approximately when of the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the suspected error. If you tell us orally, we may will require that you send us your the complaint or question in writing within 10 ten (10) business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in days following the prosecution of, any unauthorized users of your Accountdate you notified us. 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) calendar days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your Account account within 10 ten (10) business days for the amount you think is in error, so that you will have the use of the your money during the time that 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 provide a provisional credit to your Accountaccount. For errors involving new Accountsaccounts, point-of-sale transactionssale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Accountsaccounts, we may take up to 20 business days to provide a provisional credit to your Account 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, at no cost, examine and inspect all documents that we used in our investigation. You may also, for a reasonable fee to cover our photocopying costs, ask for copies of the documents that we used in our investigation. If your question or error involves a transfer or payment to a third party, our investigation will be generally limited to a review of our own records.

In Case of Errors or Questions. About Your Electronic Transfers. Call In case of errors or questions regarding HomeConnect or your electronic transfers, call our Customer Service Center at 1-800-EASTERN (1-800-327-8376) or write to us at (000) 000at: Eastern Bank Online Banking Team 000 Xxxxxx Xxxxxx, XX0-00 Xxxx, Xxxxxxxxxxxxx 00000-0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction transfer listed on a the statement or receipt. We must hear from you no later than 60 sixty (60) calendar days after we sent the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) - Tell us your name and Account account number; (ii) . - Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there it is an error and or why you need more information. - Tell us the dollar amount involved; and (iii) approximately when of the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the suspected error. If you tell us orally, we may will require that you send us your the complaint or question in writing within 10 ten (10) business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in days following the prosecution of, any unauthorized users of your Accountdate you notified us. 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) calendar days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your Account account within 10 ten (10) business days for the amount you think is in error, so that you will have the use of the your money during the time that 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 provide a provisional credit to your Accountaccount. For errors involving new Accountsaccounts, point-of-sale transactionssale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Accountsaccounts, we may take up to 20 business days to provide a provisional credit to your Account 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, at no cost, examine and inspect all documents that we used in our investigation. You may also, for a reasonable fee to cover our photocopying costs, ask for copies of the documents that we used in our investigation. If your question or error involves a transfer or payment to a third party, our investigation will be generally limited to a review of our own records.

In Case of Errors or Questions. About Your Electronic Transfers. Call us You may call the Bank at (000) 000-0000 Mon. - Fri. 9:00am to 5:00pm CST or write us at Customer Care, to X.X. Xxx 00000000 Xx Xxxxxx Xxxxx, XxxxxxxxFL 32549. If you notify us verbally, XX 00000 as soon as we will require that you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on a statement or receiptsend us the problem in writing within 10 days. We must hear from you no later than 60 days after we sent send the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell usPlease include the following information: (i) your  Customer’s name and Account account number; (ii) why you believe there is an error .  Date and Dollar amount of the dollar amount involved; and (iii) approximately when transaction in question.  Describe the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to or the error. If you tell us orally, we may require that you send us your complaint transaction and explain as clearly as possible the error or question in writing within 10 business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Accountneed for further information. We will determine whether an error occurred communicate the results of our investigation within 10 business days (5 business days if involving a Visa® point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will promptly correct any error promptlyerror. If we need more time, however, we may take up to 45 days (90 days if the transfer involves a new account, point-of-sale, or foreign-initiated transaction) to investigate your the complaint or question. If we decide to do this, the additional time is needed we will provide a give provisional credit to your Account account within 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 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 money during the time that it takes us to complete our investigation. If we ask you to tell us of the suspected error orally and do not put your the complaint or question in writing writing, and we do not receive it within 10 business days, we may not provide credit your account. An account is considered a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to your Account account for the amount you think is in error. We will tell you the results within three business 30 days after completing our investigationthe first deposit is made, if you are a new customer. If we decide the Bank determined that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

In Case of Errors or Questions. About Your Electronic Transfers. Call In case of errors or questions about your electronic transfers, telephone us at (at: 000) -000-0000 or 000- 000-0000; or write to us at Customer Careat: Montecito Bank & Trust, X.X. Xxx 0000P.O. Box 2460, XxxxxxxxSanta Barbara, XX 00000 CA 93120 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about a transaction transfer listed on a statement or receiptthe statement. We must hear from you no later than 60 sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i)  Tell us your name and Account number; account number (ii) if any).  Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there it is an error and the or why you need more information.  The dollar amount involved; and (iii) approximately when of the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the suspected error. If you tell us orally, we may require that you send us your the complaint or question in writing within 10 ten (10) business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Account. 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 your a complaint or question. If we decide to do this, we will provide a provisional credit to your Account 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 that 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 provide a provisional credit to your Accountaccount. For errors involving new Accountsaccounts, point-of-sale transactionssale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Accountsaccounts, we may take up to 20 business days to provide a provisional credit to 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 ask for request copies of the documents that we were used in the investigation. Service Fees and Charges There is no monthly service charge associated with the utilization of MB&T Online Banking, Bill Payment, or Mobile. Fees and charges associated with your Account(s) are disclosed in the disclosure provided to you with the Account(s) at the time of opening and in fee schedules and disclosures that have been provided to you in connection with your account. Fees are subject to change. Please contact us as provided in the "In Case of Errors or Questions" Section of this Agreement or visit one of our investigationbranches for current information about applicable fees. We may impose new fees and charges, or increase or change existing fees and charges. We will provide advance notice of these changes to you if required by law. You authorize us to charge the designated Account and/or any other account you hold with us to cover your fees and charges. You also authorize us to charge you according to our then-current fee schedule. For a current Schedule of Fees and Charges, please visit: Montecito Bank & Trust: Disclosures. Fees may be assessed for added features of the System such as stop payment requests and insufficient available funds transactions. While there is no fee or charge assessed by the Bank for you to access MB&T Mobile, you may incur charges to receive Internet service on your Wireless Access Device. You may also incur charges from your telecommunications carrier when sending and receiving text messages from the Bank. You hereby agree that you, and not the Bank, will be responsible for providing a compatible Wireless Access Device and maintaining the third-party cellular contract, including paying fees, charges and taxes associated with the service (including, but not limited to, text messaging charges, and Internet access charges, as applicable.) You agree to pay any additional charges for Bank services you request that are not covered by this Agreement. You are also responsible for telephone, Internet and any other third party fees you incur in connection with your use of the System. If you do not use this Service for any 180-day period, we reserve the right to discontinue your Service without notice to you. To the extent permitted by law, you give us the right to set off any of your deposits or property which may be in our possession against any amount owed to us under this Agreement. This right of set off does not extend to any Xxxxx, XXX account, or similar tax-deferred deposit. Hours of Operation You will generally be able to use Services seven days a week, 24 hours a day. However, a Service may not be available due to system maintenance or circumstances beyond our control. Services may be added, cancelled or limited at any time or from time to time, with or without cause or notice (except as required by law).

In Case of Errors or Questions. About Your Electronic Transfers. Call us In case of errors or questions regarding HomeConnect or your electronic transfers, call our Customer Service Center at 1-800-EASTERN (000) 0-000-000-0000). Or write to us at: Eastern Bank Online Banking Team 000 Xxxxxx Xxxxxx, XX0-00 Xxxx, Xxxxxxxxxxxxx 00000-0000 or write us at Customer Care, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction transfer listed on a the statement or receipt. We must hear from you no later than 60 sixty (60) calendar days after we sent the FIRST statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) - Tell us your name and Account account number; (ii) . - Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there it is an error and or why you need more information. - Tell us the dollar amount involved; and (iii) approximately when of the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the suspected error. If you tell us orally, we may will require that you send us your the complaint or question in writing within 10 ten (10) business days. You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in days following the prosecution of, any unauthorized users of your Accountdate you notified us. 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) calendar days to investigate your complaint or question. If we decide to do this, we will provide a provisional credit to your Account account within 10 ten (10) business days for the amount you think is in error, so that you will have the use of the your money during the time that 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 provide a provisional credit to your Accountaccount. For errors involving new Accountsaccounts, point-of-sale transactionssale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Accountsaccounts, we may take up to 20 business days to provide a provisional credit to your Account 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, at no cost, examine and inspect all documents that we used in our investigation. You may also, for a reasonable fee to cover our photocopying costs, ask for copies of the documents that we used in our investigation. If your question or error involves a transfer or payment to a third party, our investigation will be generally limited to a review of our own records.

In Case of Errors or Questions. About Your Electronic Transfers. Call In case of errors or questions about your electronic transactions: Telephone us at (000) -000-0000 or write us at Customer Careon any business day, X.X. Xxx 0000, Xxxxxxxx, XX 00000 as soon as you can can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on a the statement or receipt. We must hear from you no later than 60 days after we have sent or delivered to you the FIRST first statement on which the problem or error appeared. When notifying us, you will need to tell us: (i) your name and Account number; (ii) why you believe there is an error and the dollar amount involved; and (iii) approximately when the error took place. In addition, it would be helpful if you provided us with any supporting documentation related to the error. If you tell us orally, we may will require that you send us to submit your complaint or question in writing dispute within 10 15 business days. You agree If you need to cooperate reasonably with us and dispute a card transaction, due to a discrepancy or fraud, please contact our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Accountdispute department at 000-000-0000. We will determine whether an error occurred tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, time however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provide a provisional “provisionally” credit to your Account account within 10 business days for the amount you think is in errorerror (less any amount for which you may be liable), so that you will have the use of the money during the time that it takes us to complete our investigation. If we ask you to put your complaint Complaints or question questions must be submitted in writing and we do not receive it within 10 business days, or we may not provide a provisional credit to your Account. For errors involving new Accounts, point-of-sale transactions, 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 provide a provisional credit to your Account for the amount you think is in error. We will tell you the results within three business days after completing our investigationaccount. If we decide that there was no error, we will send you a written explanationexplanation within 3 business days after we finish our investigation. We will also make arrangements for the repayment of the provisional credit. You may ask for copies of the documents that we used received in our investigation. LIABILITY FOR UNAUTHORIZED ATM TRANSACTIONS Tell the Credit Union IMMEDIATELY if you believe your Card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (plus your maximum overdraft Line of Credit, if you have one). If you tell the Credit Union within two (2) business days, you can lose no more than $50 if someone used your card or PIN without your permission. If you DO NOT tell the Credit Union within (2) business days after you learn of the loss or theft of your card or PIN, and the Credit Union can prove it could have stopped someone from using your Card or PIN without your permission if you had told the Credit Union, you could lose as much as $500. Your liability with respect to unauthorized transactions may be greater than the above limits to the extent allowed under applicable law, only if the Credit Union has determined that you were grossly negligent or fraudulent in the handling of your account or card. Also, if your statement shows transfers that you did not make, tell the Credit Union IMMEDIATELY. If you do not tell the Credit Union within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if the Credit Union can prove that it could have stopped someone from taking the money if you had reported it in time. If a good reason (such as a long trip or a hospital stay) kept you from telling the Credit Union, the time periods may be extended. If you furnish your Card and PIN to a person (such as a family member, friend, business associate or employee) and grant them authority to use your card for a “specific” transaction, and they exceed the authority given, you are fully liable for any transaction(s) that exceed your initial authority, UNLESS you notify the Credit Union immediately following the completion of the authorized transactions, that any additional transactions by that person which exceed your initial authority, are no longer authorized. You also agree to co-operate with the Credit Union to recover any unauthorized funds that are withdrawn from your account by said person, by filing a police report that names the person in question, and supporting the credit unions efforts to seek restitution against the person in question. LIABILITY FOR UNAUTHORIZED “VISA” TRANSACTIONS Your liability for the unauthorized use of your Card with the VISA logo (when it is used as a VISA card) will be zero ($0.00) if we received notice from you within 60 days after we sent or delivered to you the first statement on which the unauthorized transaction appeared. If you furnish your Card and PIN to a person (such as a family member, friend, business associate or employee) and grant them authority to use your card for a “specific” transaction, and they exceed the authority given, you are fully liable for any transaction(s) that exceed your initial authority, UNLESS you notify the Credit Union immediately following the completion of the authorized transactions, that any additional transactions by that person which exceed your initial authority, are no longer authorized. You also agree to co-operate with the Credit Union to recover any unauthorized funds that are withdrawn from your account by said person, by filing a police report that names the person in question, and supporting the credit unions efforts to seek restitution against the person in question. HOW TO NOTIFY THE CREDIT UNION IN THE EVENT OF AN UNAUTHORIZED TRANSACTION If you believe the Card has been lost or stolen or that someone has transferred money from your account without your permission, please notify us as quickly as possible by calling the Member Solution Center at 0-000-000-0000, or after hours and on weekends at 0-000-000-0000.