Common use of Our Liability for Failure to Complete an Electronic Fund Transfer Clause in Contracts

Our Liability for Failure to Complete an Electronic Fund Transfer. If we fail to complete an Electronic Fund Transfer transaction on time or in the correct amount when properly instructed by you, we will be liable for damages caused by our failure unless: ● There aren’t sufficient funds in your account to complete the transaction through no fault of ours. ● The funds in your account aren’t available at the time the EFT posts to your account. ● The funds in your account are subject to legal process; ● The ATM system has insufficient cash to complete the transaction; ● Your card has been reported lost or stolen and you are using the reported card; ● We have a reason to believe that the transaction requested is unauthorized; ● The failure is due to an equipment breakdown that you knew about when you started the transaction at an ATM or merchant terminal; ● You attempt to complete a transaction at an ATM or merchant terminal that is not a permissible transaction listed above; or ● The transaction would exceed security limitations on the use of your Ellevest Debit Card. In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. Unauthorized Transfers Tell us immediately if you believe your Ellevest Debit Card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Contacting us by use of the Ellevest App, Ellevest Website, phone or email is the best way to keep your potential losses down. You could lose all the money in your account! If you tell us within two (2) business days after you learn of the loss or theft of your Ellevest Debit Card and/or PIN, you can lose no more than $50 if someone used your Ellevest Debit Card and/or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Ellevest Debit Card and/or PIN, and we can prove we could have stopped someone from using your Ellevest Debit Card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after your account statement is made available to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion. You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. Errors or Questions and How to Contact Us In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service by telephone at 000-000-0000 or email at xxxxxxx@xxxxxxxx.xxx. You may be required to confirm the information in writing within 10 business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. If you believe an Electronic Fund Transfer transaction was processed in error or was unauthorized, or if you need more information about a transfer listed on your statement or receipt, you must contact Ellevest no later than 60 days after the problem or error first appeared on your statement. In your communication with us, please provide the following information: ● The account name, account number, and last four digits of the Ellevest Debit Card number, if applicable; ● A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; ● The dollar amount of the suspected error; and ● The date of the suspected error. When we receive your dispute notification, we will advise you of the status of our investigation within 10 business days. In all cases, we will correct any error promptly. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. For errors involving new Bank Accounts within 30 days after the first deposit, point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. If this is necessary, we will provisionally credit your Bank Account for the amount you believe is in error within 10 business days of your original complaint or question, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your written confirmation of your questions or complaint within 10 business days, we may decide not to provisionally credit your Bank Account. For errors involving new Bank Accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Bank Accounts, we may take up to 20 business days to credit your Bank Account for the amount you think is in error. We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If provisional credit was given and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5) business days, and then we may deduct such amounts from your Bank Account without further notice.

Our Liability for Failure to Complete an Electronic Fund Transfer. If we fail to complete an Electronic Fund Transfer transaction on time or in the correct amount when properly instructed by you, we will be liable for damages caused by our failure unless: ● There aren’t sufficient funds in your account to complete the transaction through no fault of ours. ● The funds in your account aren’t available at the time the EFT posts to your account. ● The funds in your account are subject to legal process; ● The ATM system has insufficient cash to complete the transaction; ● Your card has been reported lost or stolen and you are using the reported card; ● We have a reason to believe that the transaction requested is unauthorized; ● The failure is due to an equipment breakdown that you knew about when you started the transaction at an ATM or merchant terminal; ● You attempt to complete a transaction at an ATM or merchant terminal that is not a permissible transaction listed above; or ● The transaction would exceed security limitations on the use of your Ellevest Debit Card. In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. Unauthorized Transfers Tell us immediately if you believe your Ellevest Debit Card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Contacting us by use of the Ellevest App, Ellevest Website, phone or email is the best way to keep your potential losses down. You could lose all the money in your account! If you tell us within two (2) business days after you learn of the loss or theft of your Ellevest Debit Card and/or PIN, you can lose no more than $50 if someone used your Ellevest Debit Card and/or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Ellevest Debit Card and/or PIN, and we can prove we could have stopped someone from using your Ellevest Debit Card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after your account statement is made available to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion. You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. Errors or Questions and How to Contact Us In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service by telephone at 000-000-0000 or email at xxxxxxx@xxxxxxxx.xxx. You may be required to confirm the information in writing within 10 business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. If you believe an Electronic Fund Transfer transaction was processed in error or was unauthorized, or if you need more information about a transfer listed on your statement or receipt, you must contact Ellevest no later than 60 days after the problem or error first appeared on your statement. In your communication with us, please provide the following information: ● The account name, account number, and last four digits of the Ellevest Debit Card number, if applicable; ● A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; ● The dollar amount of the suspected error; and ● The date of the suspected error. When we receive your dispute notification, we will advise you of the status of our investigation within 10 business days. In all cases, we will correct any error promptly. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. For errors involving new Bank Accounts within 30 days after the first deposit, point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. If this is necessary, we will provisionally credit your Bank Account for the amount you believe is in error within 10 business days of your original complaint or question, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your written confirmation of your questions or complaint within 10 business days, we may decide not to provisionally credit your Bank Account. For errors involving new Bank Accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Bank Accounts, we may take up to 20 business days to credit your Bank Account for the amount you think is in error. We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If provisional credit was given and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5) business days, and then we may deduct such amounts from your Bank Account without further notice.

Our Liability for Failure to Complete an Electronic Fund Transfer. If we fail to complete an Electronic Fund Transfer EFT transaction on time or in the correct amount when properly instructed by you, we will be liable for damages caused by our failure unless: ● There aren’t sufficient funds in your account Account to complete the transaction through no fault of ours. ● The funds in your account Account aren’t available at the time the EFT posts to your accountAccount. ● The funds in your account Account are subject to legal process; . ● The ATM system has insufficient cash to complete the transaction; . ● Your card has been reported lost or stolen and you are using the reported card; . ● We have a reason to believe that the transaction requested is unauthorized; . ● The failure is due to an equipment breakdown that you knew about when you started the transaction at an ATM or merchant terminal; . ● You attempt to complete a transaction at an ATM or merchant terminal that is not a permissible transaction listed above; or . ● The transaction would exceed security limitations on the use of your Ellevest Debit Carddebit card. In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. Unauthorized Transfers Tell us immediately if you believe your Ellevest Debit Card debit card and/or PIN has been lost or stolen, stolen or if you believe that an electronic fund transfer EFT has been made without your permission. Contacting us by use of the Ellevest App, Ellevest Website, phone or email is the best way to keep your potential losses down. You could lose all the money in your account! If you tell us within two (2) business days after you learn of the loss or theft of your Ellevest Debit Card debit card and/or PIN, you can lose no more than $50 if someone used your Ellevest Debit Card debit card and/or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Ellevest Debit Card debit card and/or PIN, and we can prove we could have stopped someone from using your Ellevest Debit Card debit card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 sixty (60) days after your account Account statement is made available to you, you may not get back any money you lost after the 60 sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion. You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. Errors or Questions and How to Contact Us In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service by telephone at +0 (000-) 000-0000 or by email at xxxxxxx@xxxxxxxx.xxxxxxxxxx@xxxx.xx. You may be required to confirm the information in writing within 10 ten (10) business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. If you believe an Electronic Fund Transfer EFT transaction was processed in error or was unauthorized, unauthorized or if you need more information about a transfer listed on your statement or receipt, you must contact Ellevest Coba no later than 60 sixty (60) days after the problem or error first appeared on your statement. In your communication with us, please provide the following information: ● The account Account name, account Account number, and last four digits of the Ellevest Debit Card debit card number, if applicable; applicable ● A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; information ● The dollar amount of the suspected error; and error ● The date of the suspected error. error When we receive your dispute notification, we will advise you of the status of our investigation within 10 ten (10) business days. In all cases, we will correct any error promptly. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. For errors involving new Bank Accounts (an account that was first funded within 30 days after prior to the first depositerror), point-of-sale transactions transactions, or foreign-foreign initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. If this is necessary, we will provisionally credit your Bank Account for the amount you believe is in error within 10 ten (10) business days of your original complaint or question, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your written confirmation of your questions or complaint within 10 ten (10) business days, we may decide not to provisionally credit your Bank Account. For errors involving new Bank Accounts, point-of-sale, or foreign-foreign initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. For new Bank Accounts, we may take up to 20 business days to credit your Bank Account for the amount you think is in error. We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If provisional credit was given given, and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5) business days, and then we may deduct such those amounts from your Bank Account without further notice.

Our Liability for Failure to Complete an Electronic Fund Transfer. If we fail to complete an Electronic Fund Transfer EFT transaction on time or in the correct amount when properly instructed by you, we will be liable for damages caused by our failure unless: ● There aren’t sufficient funds in your account Account to complete the transaction through no fault of ours. ● The funds in your account Account aren’t available at the time the EFT posts to your accountAccount. ● The funds in your account Account are subject to legal process; ● The ATM system has insufficient cash to complete the transaction; . ● Your card has been reported lost or stolen compromised and you are using the reported compromised card; . ● We have a reason to believe that the transaction requested is unauthorized; ● The failure is due to an equipment breakdown that you knew about when you started the transaction at an ATM or merchant terminal; . ● You attempt to complete a transaction at an ATM or a merchant terminal that is not a permissible transaction listed above; or . ● The transaction would exceed security limitations on the use of your Ellevest Debit Cardcard. In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. Unauthorized Transfers Tell us immediately if you believe your Ellevest Debit Card and/or PIN card information has been lost or stolen, compromised or if you believe that an electronic fund transfer EFT has been made without your permission. Contacting us by use of the Ellevest App, Ellevest Website, phone or email is the best way to keep your potential losses down. You could lose all the money in your account! If you tell us within two (2) business days after you learn of the loss or theft of your Ellevest Debit Card and/or PINcard information has been compromised, you can lose no more than $50 if someone used your Ellevest Debit Card and/or PIN card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Ellevest Debit Card and/or PINcard information has been compromised, and we can prove we could have stopped someone from using your Ellevest Debit Card and/or PIN card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 sixty (60) days after your account Account statement is made available to you, you may not get back any money you lost after the 60 sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion. You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. Errors or Questions and How to Contact Us In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service by telephone at 0-000-000-0000 or by email at xxxxxxx@xxxxxxxx.xxx. xxxxxxx@xxxxxxxxxxxxx.xxx You may be required to confirm the information in writing within 10 ten (10) business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. If you believe an Electronic Fund Transfer EFT transaction was processed in error or was unauthorized, unauthorized or if you need more information about a transfer listed on your statement or receipt, you must contact Ellevest Accrue Savings no later than 60 sixty (60) days after the problem or error first appeared on your statement. In your communication with us, please provide the following information: ● The account name, account number, Account name and last four digits of the Ellevest Debit Card number, if applicable; virtual card number ● A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; information ● The dollar amount of the suspected error; and error ● The date of the suspected error. error When we receive your dispute notification, we will advise you of the status of our investigation within 10 ten (10) business days. In all cases, we will correct any error promptly. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. For errors involving new Bank Accounts (an account that was first funded within 30 days after prior to the first deposit, error) or point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. If this is necessary, we will provisionally credit your Bank Account for the amount you believe is in error within 10 ten (10) business days of your original complaint or question, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your written confirmation of your questions or complaint within 10 ten (10) business days, we may decide not to provisionally credit your Bank Account. For errors involving new Bank Accounts, Accounts or point-of-sale, or foreign-initiated transactions, sale we may take up to 90 calendar days to investigate your complaint or question. For new Bank Accounts, we may take up to 20 business days to credit your Bank Account for the amount you think is in error. We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If provisional credit was given given, and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5) business days, and then we may deduct such those amounts from your Bank Account without further notice.

Our Liability for Failure to Complete an Electronic Fund Transfer. If we fail to complete an Electronic Fund Transfer transaction on time or in the correct amount when properly instructed by you, we will be liable for damages caused by our failure unless: ● There aren’t sufficient funds in your account to complete the transaction through no fault of ours. ● The funds in your account aren’t available at the time the EFT posts to your account. ● The funds in your account are subject to legal process; ● The ATM system has insufficient cash to complete the transaction; ● Your card has been reported lost or stolen and you are using the reported card; ● We have a reason to believe that the transaction requested is unauthorized; ● The failure is due to an equipment breakdown that you knew about when you started the transaction at an ATM or merchant terminal; ● You attempt to complete a transaction at an ATM or merchant terminal that is not a permissible transaction listed above; or ● The transaction would exceed security limitations on the use of your Ellevest Debit Card. In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. Unauthorized Transfers Tell us immediately if you believe your Ellevest Debit Card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Contacting us by use of the Ellevest App, Ellevest Website, phone or email is the best way to keep your potential losses down. You could lose all the money in your account! If you tell us within two (2) 2 business days after you learn of the loss or theft of your Ellevest Debit Card and/or PIN, you can lose no more than $50 if someone used your Ellevest Debit Card and/or PIN without your permission. If you do NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Ellevest Debit Card and/or PIN, and we can prove we could have stopped someone from using your Ellevest Debit Card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after your account statement is made available to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion. You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. Errors or Questions and How to Contact Us In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service by telephone at 000-000-0000 or email at xxxxxxx@xxxxxxxx.xxx. You may be required to confirm the information in writing within 10 business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. If you believe an Electronic Fund Transfer transaction was processed in error or was unauthorized, or if you need more information about a transfer listed on your statement or receipt, you must contact Ellevest no later than 60 days after the problem or error first appeared on your statement. In your communication with us, please provide the following information: ● The account name, account number, and last four digits of the Ellevest Debit Card number, if applicable; ● A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; ● The dollar amount of the suspected error; and ● The date of the suspected error. When we receive your dispute notification, we will advise you of the status of our investigation within 10 business days. In all cases, we will correct any error promptly. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. For errors involving new Bank Accounts within 30 days after the first deposit, point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. If this is necessary, we will provisionally credit your Bank Account for the amount you believe is in error within 10 business days of your original complaint or question, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your written confirmation of your questions or complaint within 10 business days, we may decide not to provisionally credit your Bank Account. For errors involving new Bank Accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Bank Accounts, we may take up to 20 business days to credit your Bank Account for the amount you think is in error. We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If provisional credit was given and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5) business days, and then we may deduct such amounts from your Bank Account without further notice.

Our Liability for Failure to Complete an Electronic Fund Transfer. If we fail to complete an Electronic Fund Transfer transaction on time or in the correct amount when properly instructed by after receiving accurate instructions from you, we will be liable for damages caused by our failure unless: ● There aren’t sufficient are insufficient funds in your account Account to complete the transaction through no fault of ours. ; ● The funds in your account Account aren’t available at the time the EFT posts to your account. Account; ● The funds in your account Account are subject to legal processprocess or hold; ● The ATM system has insufficient cash to complete the transaction; ● Your card has been reported lost or stolen and you are using attempting to use the reported lost or stolen card; ● We have a reason to believe that the transaction requested is unauthorized; ● The failure is due to an equipment breakdown that you knew about when you started the transaction at an ATM or merchant terminal; ● You attempt to complete a transaction at an ATM or merchant terminal that is not a permissible transaction listed aboveper this Agreement; or ● The transaction would exceed security limitations on the use of your Ellevest Debit Carddebit card. In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. Unauthorized Transfers Tell us immediately if you believe your Ellevest Debit Card debit card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Contacting us by use of the Ellevest App, Ellevest Website, phone or email is the best way to keep your potential losses down. You could lose all the money in your account! Account. If you tell us within two (2) 2 business days after you learn of the loss or theft of your Ellevest Debit Card debit card and/or PIN, you can lose no more than $50 if someone used your Ellevest Debit Card debit card and/or PIN without your permission. If you do NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Ellevest Debit Card debit card and/or PIN, and we can prove we could have stopped someone from using your Ellevest Debit Card debit card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by cardcard (physical or virtual), code or other means, tell us at once. If you do not tell us within 60 days after your account Account statement is made available to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion. You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. Errors or Questions and How to Contact Us In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service Support by telephone at 0-000-000-0000 or by email at xxxxxxx@xxxxxxxx.xxxxxxxxxx@xxxxxxxxxxxxx.xxx. You may be required to confirm the information in writing within 10 business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. If you believe an Electronic Fund Transfer transaction was processed in error or was unauthorized, or if you need more information about a transfer listed on your statement or receipt, you must contact Ellevest Xxxxxxxxx no later than 60 days after the problem or error first appeared on your statement. In your communication with us, please provide the following information: ● The account Account name, account Account number, and last four digits of the Ellevest Debit Card debit card number, if applicable; ● A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; ● The dollar amount of the suspected error; and ● The date of the suspected error. When we receive your dispute notification, we will advise you of the status of our investigation within 10 business days. In all cases, we will correct any error promptly. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. For errors involving new Bank Accounts within 30 days after the first deposit, point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. If this is necessary, we will provisionally credit your Bank Account for the amount you believe is in error within 10 business days of your original complaint or question, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your written confirmation of your questions or complaint within 10 business days, we may decide not to provisionally credit your Bank Account. For errors involving new Bank AccountsAccounts (having received the first deposit within the past 30 days), for point-of-sale, or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. For new Bank Accounts, we may take up to 20 business days to credit your Bank Account for the amount you think is in error. We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If provisional credit was given and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5) business days, and then we may deduct such amounts from your Bank Account without further notice.

Our Liability for Failure to Complete an Electronic Fund Transfer. If we fail to complete an Electronic Fund Transfer transaction on time or in the correct amount when properly instructed by after receiving accurate instructions from you, we will be liable for damages caused by our failure unless: ● There aren’t sufficient are insufficient funds in your account Account to complete the transaction through no fault of ours. ; ● The funds in your account Account aren’t available at the time the EFT posts to your account. Account; ● The funds in your account Account are subject to legal processprocess or hold; ● The ATM system has insufficient cash to complete the transaction; ● Your card has been reported lost or stolen and you are using attempting to use the reported lost or stolen card; ● We have a reason to believe that the transaction requested is unauthorized; ● The failure is due to an equipment breakdown that you knew about when you started the transaction at an ATM or merchant terminal; ● You attempt to complete a transaction at an ATM or merchant terminal that is not a permissible transaction listed aboveper this Agreement; or ● The transaction would exceed security limitations on the use of your Ellevest Debit Carddebit card. In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors. Unauthorized Transfers Tell us immediately if you believe your Ellevest Debit Card debit card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Contacting us by use of the Ellevest App, Ellevest Website, phone or email is the best way to keep your potential losses down. You could lose all the money in your account! Account. If you tell us within two (2) 2 business days after you learn of the loss or theft of your Ellevest Debit Card debit card and/or PIN, you can lose no more than $50 if someone used your Ellevest Debit Card debit card and/or PIN without your permission. If you do NOT tell us within two (2) 2 business days after you learn of the loss or theft of your Ellevest Debit Card debit card and/or PIN, and we can prove we could have stopped someone from using your Ellevest Debit Card debit card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by cardcard (physical or virtual), code or other means, tell us at once. If you do not tell us within 60 days after your account Account statement is made available to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion. You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. Errors or Questions and How to Contact Us In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service Support by telephone at 0-000-000-0000 or by email at xxxxxxx@xxxxxxxx.xxxxxxxxxx@xxxxxxxxxxxxx.xxx. You may be required to confirm the information in writing within 10 business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. If you believe an Electronic Fund Transfer transaction was processed in error or was unauthorized, or if you need more information about a transfer listed on your statement or receipt, you must contact Ellevest Greenwood no later than 60 days after the problem or error first appeared on your statement. In your communication with us, please provide the following information: ● The account Account name, account Account number, and last four digits of the Ellevest Debit Card debit card number, if applicable; ● A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information; ● The dollar amount of the suspected error; and ● The date of the suspected error. When we receive your dispute notification, we will advise you of the status of our investigation within 10 business days. In all cases, we will correct any error promptly. If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other than international transactions) and ACH transactions. For errors involving new Bank Accounts within 30 days after the first deposit, point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. If this is necessary, we will provisionally credit your Bank Account for the amount you believe is in error within 10 business days of your original complaint or question, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your written confirmation of your questions or complaint within 10 business days, we may decide not to provisionally credit your Bank Account. For errors involving new Bank AccountsAccounts (having received the first deposit within the past 30 days), for point-of-sale, or foreign-initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. For new Bank Accounts, we may take up to 20 business days to credit your Bank Account for the amount you think is in error. We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If provisional credit was given and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5) business days, and then we may deduct such amounts from your Bank Account without further notice.