Keep this notice for your future use. This notice contains important information about your rights and responsibilities under the Electronic Funds Transfer Act.

In case of errors or questions about your electronic transfers, transactions, or payments, you should either telephone or write or email us immediately. Also, immediately change your NetTeller login codes through your account management option.

If you think your statement or receipt is wrong or if you think you need more information about a transaction listed on your statement or receipt, we must hear from you no later than sixty (60) days after we sent the first statement on which the problem or error appeared.

• Tell us your name and account number.
• Describe the error or transfer you are unsure about, and explain why you believe there is any error or why you need more information.
• Tell us the dollar amount of the suspected error or amount in question.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) days.

We will tell you the results of our investigation within ten (10) business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) 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 ten (10) days, we may not provisionally credit your account. If we decide there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of documents that we used in our investigation.

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