Error Resolution Notice

In case of errors or questions about your electronic transfers, call or write us at the
telephone number or address listed below, as soon as you can, if you think your
statement or receipt is wrong or if you need more information about a transfer listed on
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.

1) Tell us your name and account number (if any).
2) Describe the error or the transfer you are unsure about, and explain as clearly as you
can why you believe it is an error or why you need more information.
3) Tell us the dollar amount of 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.
 
We will determine whether an error occurred 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 correct any error
promptly. If we need more time, however, we may take up to 45 days (90 days if the
transfer involved a new account, a point-of-sale transaction, or a foreign-initiated
transfer) to investigate your complaint or question. If we decide to do this, we will credit
your 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 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 credit your account. An account is considered a new account for 30 days after
the first deposit is made, if you are a new customer.

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.