Electronic Banking Service Agreement and Disclosures

Lisbon Community FCU Electronic Banking Service Agreement & Disclosures

In this Agreement, Lisbon Community Federal Credit Union is referred to as “we”, “us”, “our” or “Credit Union”. “You” and “your” refers to the member-owner(s) of an account with us who has requested the Service as defined below. “Device” refers to your computer or other internet access device, any software, and related equipment.

This Agreement between you and the Credit Union governs your use of the Credit Union’s Online and Mobile Banking Services (the “Service” or “Electronic Banking”), as well as any activities or transactions (“online transactions”) that you may initiate with and/or request from the Credit Union through the Service such as Remote Deposit Capture. The Service permits you to perform a number of banking functions linked to the Service through the use of a personal computer or other capable electronic device. If you do not agree with the terms and conditions of this Agreement (as may be amended from time to time), you may not use the Service. By using the Service, you acknowledge that you have read, understood and agree to the terms and conditions related to the Service and any online transactions you initiate through the Service. You also agree to any changes in such terms and conditions, as of their effective date, which apply to the use of the Service by you and any others whom you permit to use the Service. We recommend that you print or retain a copy of this Agreement for your records. By registering to use the Service, you affirmatively consent to the electronic delivery of these terms and conditions, any confirmations for online transactions you may initiate and any change in term notices.

This Agreement constitutes the entire agreement between you and the Credit Union with regard to your use of the Service. However, your use of the Service is also subject to other agreements with us governing your accounts with us. When you link accounts to the Service, this does not change the agreements you already have with us governing those accounts. For example, when you use the Service to access a line of credit account, you do so under the terms and conditions governing that account. You should review those agreements for any applicable fees, for limitations of the types or quantity of transactions you can make, and for other restrictions that might affect your use of that account through the Service.

ESIGN Member Disclosure and Consent to Use Electronic Signatures and Documents

This Disclosure contains important information that you are entitled to receive before you consent to receive electronic disclosures and to transact business with us electronically via Electronic Banking. Please print, email or save a copy for your records.

a. Communications to be provided in electronic form. When you use a product or service to which this Disclosure applies, you agree that we may provide you with all communications applicable to the Service (“Communications”) in electronic format, and you agree to conduct all transactions with respect to the Service electronically. We may stop sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and conduct electronic transactions includes, but is not limited to, the following: Mobile Banking, Online Banking, Remote Deposit Capture, and Bill Pay, any change in terms notices related to Electronic Banking or the Service, and any notices related to any activities or transactions you conduct through Electronic Banking. All documents we provide to you in electronic format will be provided either via email or by access to a website or mobile application.

b. You have the right to have Communications provided or made available to you on paper. You may obtain a paper copy by contacting our office at 207-353-4144, visiting a branch or email at memberservices@lisboncu.org.

c. Withdrawal of Consent, Termination and Changes. You may cancel or withdraw your consent at any time by calling the Credit Union at 207-353-4144 or by visiting a branch. Any withdrawal of consent to receive Communications electronically will be effective only after we have a reasonable amount of time to process the withdrawal. Withdrawing your consent will result in termination of your Electronic Banking Services, including the ability to initiate funds transfers using Electronic Banking.

d. Accurate and Updated Information. In order to obtain your Communications electronically, you must provide the Credit Union with an accurate email address. If the email address you provide is not accurate, the Credit Union assumes no liability for sending any Communication to such address. If the email address you provide is not deliverable, the Credit Union may provide your statements via U.S. mail to your address according to the Credit Union’s records. If you change your email address, you must provide us with your new address. You must also provide us with updated information any time that information is needed to provide your Communications electronically. To provide an updated email address or other information, you must contact us at least three business days prior to the last day of the month to give us time to effect the change.

e. Hardware and Software Requirements. The Credit Union does not endorse a specific operating system or web browser. To receive Communications and conduct transactions electronically, you must have the following:

• a valid email address and a connection to the internet;

• a web browser version that is supported;

• a current version of our application (via Google and Apple app stores);

• a current version of a program that reads and displays PDF documents, such as Adobe Acrobat Reader;

• the capacity to store information;

• an internet access device, such as a smartphone, tablet, desktop computer or laptop, with an operating system (Windows®, MacOS®, iOS, or Android™) capable of supporting the above (“Device”).

We reserve the right to discontinue support of any version of software for security or stability purposes. We may not support some older operating systems or web browsers, meaning you may need to update in order to access Electronic Banking. We may offer services or features that require your web browser to be configured in a particular way, such as permitting use of JavaScript or cookies.

f. Communications in writing. All Communications in either electronic or paper format from us to you will be considered “in writing.” We recommend that you print or download for your records copies of any Communications that are important to you.

g. Access to Your Disclosures and Requesting Paper Copies. This Agreement will remain available for viewing and printing within Electronic Banking. Even if you consent to receive documents electronically, you can always obtain a paper copy by requesting one or by printing the electronic document. We may charge you a reasonable fee for delivery of paper copies already provided electronically.

As stated above, in order to use the Service, you will need a computer or other capable electronic device and related Internet access equipment, and a Credit Union Username and Password. Your internet or other web browser software must support a minimum encryption level and other security measures as we may require from time to time. Your browser must be one that is supported by us for optimal performance. You are responsible for the installation, maintenance and operation of the Device and all related costs and expenses. It is your responsibility to install and maintain appropriate malware protection software on your Device to help safeguard your online activity. We are not responsible for any errors or failures caused by any malfunction of your Device, or virus or related problems that may be associated with access to or use of the Service or the Device. We also are not responsible for any losses or delays in transmission of information you provide to us or otherwise arising out of or incurred in connection with the use of any Internet or other service provider providing your connection and/or access to Electronic Banking.

By utilizing the Service, you are providing your consent to receive Communications and conduct transactions electronically. You are also confirming that you have the hardware and software described above, that you are able to receive and review electronic documents, that you have an active email account and that you are authorized to, and do, provide this consent on behalf of all account owners identified on your Credit Union accounts.

Your Internet Banking Username and Password—Your username, password and Multi-Factor Authentication method (such as One-Time PIN) will be your “electronic banking signature,” and you are responsible for maintaining its confidentiality. The username and password should be memorized or stored securely, in order to prevent unauthorized use. If you believe your password or other credentials have been lost or stolen, notify us at once at 207-353-4144 or email at memberservices@lisboncu.org. You may change your username and password at any time. When doing so, you agree that you will not use combinations that are easily guessed (such as your phone number, date of birth, or Social Security number). You also acknowledge and agree that if you permit another party(ies) to use your username or password to access the Service, or otherwise authorize anyone to use the Service, you are responsible for any and all transactions that party(ies) makes from your account, even if it exceeds your authorization. We may follow and comply with any online transaction instructions entered using your username and password.

Joint Accounts—For joint accounts accessed using the Service, we may act on the verbal, written or electronic instructions of any party to those accounts. You agree to provide a copy of this Agreement to each account owner. Each owner of an account is authorized to access all of the available funds held in that account and any subaccounts or loan accounts through the Service.

Privacy of Others—If you receive information about another person through the Service, you agree to keep the information confidential and only use it in connection with the Service.

System Availability—From time-to-time access to the Service may be unavailable due to scheduled or unscheduled maintenance, technical difficulties, power failures, problems with internet service, or system outage. We will make every reasonable effort to make the system available. However, we are in no way liable for the unavailability of the Service or any damage that may result from unavailability of the Service.

No Waivers—No delay or waiver by us of any power, right, remedy or obligation under or in connection with this Agreement on any one occasion shall constitute a waiver on any later occasion. No such delay or waiver by us is effective unless it is in writing and signed by us.

Severability—If any term or condition of this Agreement is held void or unenforceable by a court of competent jurisdiction, or any governmental agency, that term or condition will be considered enforceable to the extent permitted by such court or agency, and the term or condition shall no longer be treated as part of this Agreement. However, all other terms and conditions of this Agreement will remain in full force and effect.

eStatements—eStatements provides you with an alternative to receiving paper statements through the mail. With eStatements, you will receive an email notification when your statement is ready to be viewed. Your consent is required to begin sending your statements electronically. By agreeing to receive your account statements electronically through the Service, we will no longer send the statement through the U.S. mail. Your consent will allow us to send your periodic account statement along with any other disclosures we might send with your account statement. When it is applicable, accounts may be combined on a single statement. You agree to maintain a current email address on file with us for which we will send the notifications to when your statement is ready.

Bill Payment Service—The Bill Pay service allows members to schedule bill payments through the Internet. Bill Pay is offered through a third party service provider, and you must enroll separately. Upon enrollment for the Bill Pay service, we will contact you to link your desired checking account to the Bill Pay service. Additional terms and conditions govern the third party relationship and are available on the enrollment page for the Bill Pay service. Certain electronic alerts may automatically be sent out by the Bill Pay service as part of the security measures associated with this service.

Fees may be assessed for use of the Bill Pay service, as published in our Fee Schedule. You may terminate the Bill Pay service at any time by following the instructions provided in the third party service providers’ terms and conditions.

If you wish to stop any bill payment requests, you must follow the third party service providers’ terms and conditions.

If you need assistance with Bill Pay, you may contact us at 207-353-4144.

Transfers—You may make one-time or recurring transfers to or from your accounts as often as you like except for those accounts with transfer limitations as disclosed in our list of Products & Services you received when you opened the account and any amendments to that list. Online transactions may be made at any time, 7 days a week, unless the Service is unavailable.

When you schedule a payment or transfer, you authorize us to withdraw the funds from your account. If you have more than one account, you will be asked to designate the account from which the withdrawal should be made. You will instruct us to make a withdrawal only when a sufficient balance is or will be available in your account at the time of the withdrawal. If you do not have a sufficient balance, including available credit under any overdraft protection plan, you agree that we may, in our sole discretion, either complete the transfer or payment – creating an overdraft – or refuse to complete your transfer or payment. In both cases, we reserve the right to impose an overdraft fee.

We will provide you with a positive confirmation that the payment or transfer has been scheduled. You may also verify that a payment or transfer has been made by logging into the Service on the Business Day following the payment or transfer.

Cancelling Transfers and Payments—To cancel transfers or payments, you must log onto the Service and follow the prompts provided. You can cancel a scheduled transfer through the Service up to the day prior to the date you scheduled it for processing.

You may also cancel any of your transfers or payments by calling us at 207-353-4144. We must receive notice at least 3 business days prior to the scheduled transfer date. If you call, we may also require that you put the request in writing and get it to us within 14 days of phoning us.

Cancellation—We may cancel your access to the Service at any time without notice or cause. You may cancel this Agreement at any time by providing us with written notice that you wish to cancel. Cancellation will be effective as of the date we receive the notice, at which time your access to the Service will be terminated. Any cancellation or termination will not affect any of your existing liability to us. It is your responsibility to either cancel any scheduled transfers prior to notifying us that you are discontinuing the Service or notify us of any scheduled transfers that you would like us to cancel. We also recommend that you cancel any optional alerts you have set up prior to cancelling the Service.

Modifications to This Agreement—We may amend or modify this Agreement at any time. For example, we may add, remove or change terms or services. We will notify you of such changes by mail, by electronic message or by posting on our website to the extent required by Applicable Law. If you access or use the Service after the effective date of a change, you will be deemed to have accepted the change.

Your Responsibilities—It is your responsibility to keep your Electronic Banking username and password confidential. We will not be liable, nor will we reimburse you, for any losses that arise from use by others of your Username or Password if you permit any other person or entity to use your Username and Password or to otherwise access the Service, and you are responsible for any resulting transactions.

Limits on Our and Other Providers’ Responsibilities—We will make reasonable efforts to ensure the satisfactory performance of the Service. We are responsible for acting only on those instructions that are actually received and will not be responsible for malfunctions in communications facilities not under our control that may affect the accuracy or timeliness of messages or instructions you send. We are not responsible for losses or delays in transmission of instructions arising out of the use of any Internet service providers, your connection to the Internet, or any browser software. In no case will the Credit Union be liable for any special, indirect, incidental or consequential damages.

The Credit Union disclaims any and all liability relating to improper use of the Service. We are not responsible for any damage that may occur to your Device from the use of this Service or the data transmitted through the account access link.

THE CREDIT UNION DOES NOT MAKE ANY, AND EXPRESSLY DISCLAIMS ANY, WARRANTIES, EITHER EXPRESSED OR IMPLIED, WITH RESPECT TO THE SERVICES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS, OR THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, WITHOUT BREACHES OF SECURITY OR WITHOUT DELAYS. IN THOSE STATES THAT DON’T ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY, THE LIABILITY OF THE CREDIT UNION IS LIMITED TO THE EXTENT PERMITTED BY LAW.

Links Provided—Hyperlinks may be provided from time to time in the Service. A hyperlink is any highlighted or underlined word or phrase on a page that allows you to click through to another page on the Internet. A hyperlink may allow you to click through to a third party website over which the Credit Union has no control. We disclaim any responsibility for the content, products or services provided at linked third party websites. We are not responsible for any failure of the products or services advertised on third party sites. Third parties may have privacy policies that differ from our privacy policy. We recommend you review privacy policies on any linked third party websites to determine whether their privacy policies are acceptable to you. Linked third party websites could provide less security than the Credit Union’s website.

Mobile Phone Users—Your phone service provider is not the provider of the Service. Users of the Service will receive text messages relating to their use of the Service and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your phone service provider may apply, and you are responsible for any such charges. In the event your enrolled Device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such Device. You understand that there are risks associated with using any Device, and that in the event of theft or loss, your confidential information could be compromised.

Remote Deposit Capture Terms & Conditions

Funds deposited via Remote Deposit Capture (“RDC”) may not be available for immediate withdrawal. Please refer to our Funds Availability Policy for details. Your use of our Remote Deposit Capture service is subject to our approval. If you are approved for RDC, you agree that use of RDC is subject to the following terms and conditions.

1. RDC allows you to make check deposits to your checking (share draft) and savings accounts from remote locations by photographing both sides of checks and delivering the check images and associated deposit information to us.

2. We are not responsible for any technical difficulties you experience attempting to use RDC. You agree and understand that RDC may at times be temporarily unavailable. In the event that RDC is not available, you acknowledge that you can deposit an original check at a branch, shared branch location, or by mailing the original check to a branch location. It is your sole responsibility to verify that items deposited using RDC have been received and accepted for deposit.

3. To use the RDC service, you must have a suitable mobile device.

4. Not all members or accounts will qualify for RDC. We may deny, revoke, or place limitations on the use of RDC for any reason not prohibited by law.

5. Only the following items are eligible for RDC deposit: checks drawn on U.S. financial institutions in U.S. dollars, or checks drawn on United States Treasury, or checks drawn on any state or local government of the United States. Checks must be payable to you and endorsed by you with the restrictive legend, "Mobile Deposit Only to Account # __________". You agree not to attempt to use RDC to deposit checks with any of the following characteristics: a). The check is not payable to you; b). There is any apparent alteration to the front of the check; c). You know or have reason to believe that the check is fraudulent or otherwise not authorized by the owner of the account on which the check is drawn; d). The check is payable in a currency other than U.S. dollars; e). The check has been previously converted to a substitute check as defined in the Expedited Funds Availability Act; f). The check has been remotely created; g). The date of issue of the check is more than 6 months prior to the attempted deposit date; h). You have any reason to believe that the check will not be paid by the institution on which it is drawn.

6. When you make a successful RDC deposit, you will be notified by an in-application message. You agree that once you have received confirmation that we have successfully processed your RDC deposit, you will clearly mark it "void" and retain for an additional fifteen (15) business days. You agree to defend, indemnify and hold us and any third party service provider harmless from any claims, damages, losses, liability or expenses to which we and/or our service provider may become subject as a result of an item you deposited via RDC being presented for duplicate payment.

7. The check image transmitted via RDC must be legible and compliant with requirements established from time to time by the American National Standards Institute, the Board of Governors of the Federal Reserve, or any other regulatory agency, clearinghouse or association.

8. We place a daily aggregate limit of $3,000.00 on funds deposited via RDC. We may also limit the number of checks accepted via RDC to 5 checks per business day. Any item which would exceed these limits may be refused.

9. We may terminate or change the terms of RDC service at any time, including but not limited to the categories of checks we will accept for deposit via RDC or endorsement requirements, with or without notice to you.

10. We may, at our sole discretion, refuse to accept ANY item presented for deposit via RDC. We will notify you via the mobile banking app and/or by email if we refuse to accept an item. We will have no liability to you for declining to accept items presented for deposit via RDC.

11. Funds from any check deposited via RDC will be available to you after final collection from the institution on which it is drawn. We may make funds available sooner depending on factors we at our sole discretion deem relevant, including but not limited to your account history with us. You agree to be held responsible for any returned item, regardless of when we receive the notification of the return, even if it is after we release the funds to you.

12. You agree to notify us of any errors with respect to RDC deposits within 30 days after we send you the first periodic statement on which they appear. We will review your claim and correct any error on our part. We will not, however, be responsible for errors asserted more than 30 days after we send you the periodic statement on which they appear. In the event of an error with respect to any original

check or image thereof transmitted to us for deposit or a breach of the agreement, you will immediately contact us at 207-353-4144 or email us using our secure messaging service within the Service.

13. You agree not to copy, reproduce, distribute or create derivative works from the content of the RDC service or to reverse engineer or reverse compile any technology used to provide the RDC service. We and our third party service providers, if any, retain all ownership and proprietary rights in the Services, associated content, technology and web sites. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of member claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.

14. DISCLAIMER OF WARRANTIES. YOU AGREE THAT YOUR USE OF RDC AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF RDC, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT RDC WILL MEET YOUR REQUIREMENTS, THAT RDC WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, THAT THE RESULTS THAT MAY BE OBTAINED FROM RDC WILL BE ACCURATE OR RELIABLE, OR THAT ERRORS IN RDC OR TECHNOLOGY WILL BE CORRECTED.

15. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOST PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM USE OF RDC, INABILITY TO USE RDC, OR TERMINATION OF RDC, INCURRED BY YOU OR ANY THIRD PARTY, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF.

Electronic Fund Transfers - Reg E Disclosures

Consumer Liability for Unauthorized Electronic Banking Transactions—Tell us at ONCE if you believe your Electronic Banking signature, its components or your Username or Password has been compromised or if you believe a transfer has been made without your permission. Phoning 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 applicable. If you tell us within 2 business days, you can lose no more than $50.00 if someone accessed your account without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your username and password or other possible unauthorized access and we can prove that we could have stopped someone from using your username and password without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed or made available to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods. We are liable only for losses in excess of the limits stated.

Notification Procedure—If you believe that your username and password have been compromised, or that someone has transferred or may transfer money from your account without your permission, call us at 207-353-4144 or write to us at 325 Lisbon St., Lisbon, ME 04250.

Liability—The following applies to electronic funds transfers by consumers only. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.

• If the Service was not working properly and you knew it was not working properly when you started the Online Transaction.

• If circumstances beyond our control, (such as telecommunication outages or interruptions, fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

• If you do not give proper, complete or correct transfer instructions, or you do not follow the procedures in this or any other account agreements with us for requesting such services.

• If your username and/or password have been reported lost or stolen, or we have canceled your access to the Service.

• If we have reason to believe that you or someone else is using the Service for fraudulent or illegal purposes.

• There may be other exceptions stated in our account agreement(s) with you.

Special Conditions for Business Accounts—Your use of the Service signifies your agreement that our security procedures are commercially reasonable. You also understand and agree that security procedures, even when properly implemented by us and you, don’t provide a guarantee against unauthorized online access to information or unauthorized transactions. You agree to accept the risks in connection with the establishment and/or use of the Service. You also understand and agree that any persons authorized to access your business account(s) will have equal access to the accounts online, and we may act on the verbal, written or electronic instructions of any authorized signer on those accounts. All transactions that person performs, even transactions you did not intend or want performed, will be considered authorized transactions. If you no longer wish for that person to be an authorized signer on your account, you will need to follow our procedures to remove the person from your accounts, and you will need to change your Username and Password for the Service at that time.

Normal Business Hours:

Monday – Friday*

9:00a – 5:00p

Saturday*

9:00a – Noon

*Closed on State/Federal Holidays

Types of Transactions Available—By enrolling in the Service, your accounts at the Credit Union will be accessible through the Service. You may use your username and password with the Service to transfer funds between your eligible accounts at the Credit Union on either a one-time or recurring basis; and view current balance and transaction information for your accounts. You can also send us email messages regarding your accounts, and download account information for use with other systems such as Microsoft Money or Quicken. Transfers to and from IRAs are not permitted online. You will also have access to eStatements and you may order checks, retrieve copies of checks drawn on your account, and apply for a loan or to open additional accounts through the Service. You may also apply for other services that we offer, including but not limited to Bill Pay and Visa Debit Cards. These requests for new services can only be processed during our business days listed in the “Business Hours” section above. We reserve the right to deny you these requested services, with or without notice or cause. We may add or remove features or modules related to the Service from time to time at the Credit Union’s sole discretion. The use of certain features or modules related to the Service, including new services, may incur fees or other charges.

Fees—Members are not assessed a monthly charge for the use of the Service. However, online transactions involving your accounts via the Service are considered the same as any other transaction in regard to service charges, overdrafts, and other fees, terms and conditions as set forth in your account agreement(s). See our Fee Schedule for fee information. Additional fees may be assessed for features added to the Service.

Conditions Under Which We Will Disclose Information to a Third Party—You agree that we may, and you hereby authorize us to, disclose information to third parties about your account(s) or the transfers you make (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; (3) in order to comply with government agency or court orders as permitted by law; (4) if you give us your permission; (5) on a closed account, if we believe you have mishandled it.

Documentation and Verification of Transfer—You will receive a monthly statement of your account activity unless no electronic transfers were made to or from your account(s) during the month, in which case you will receive a statement at least quarterly.

Error Resolution—Call us at 207-353-4144 or write to us at 325 Lisbon St, Lisbon, ME 04250 as soon as you can, if you think your statement is wrong, or if you need more information about a transaction listed on your statement. We must hear from you no later than 60 days after we send you the FIRST statement on which the problem or error appeared. Provide the following information:

1. Your name and account number.

2. The date and dollar amount of the suspected error.

3. Describe the error or transaction you are unsure about, and a clear explanation of why you believe it is an error, or why you need more information.

If you tell us orally, we may require that you send your complaint or question in writing within 10 business days. We will 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. In this case, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing, and we do not receive it within 10 business days, we reserve the right to not credit your account.

For errors pertaining to point-of-sale transactions or international transactions (as applicable), the periods referred to above are 10 business days and 90 days instead of 10 business days and 45 days, respectively.

For errors involving transactions occurring within 30 days after the first deposit to a new account, as defined by applicable law, the periods referred to above are 20 business days and 90 days instead of 10 business days and 45 days, respectively.

For errors involving Visa Debit Card transactions (as applicable), the periods referred to above are 5 business days and 45 days instead of 10 business days and 45 days, and 5 business days and 90 days instead of 10 business days and 90 days, respectively.

We will tell you the results within three business days after completing our investigation. If we determine that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If there is no error, we will debit your account for the amount of the provisional credit and send you a notice notifying you that this was done. For five business days after this notification we will honor checks, drafts or similar instruments payable to third parties and preauthorized transfers from your account (without a charge to your account as a result of an overdraft). However, the Credit Union shall honor such items only if they would have been paid if the provisionally credited funds had not been debited.

Rev 12/2023 - 4867-8496-0148.v.1