Dispute policy

Quick Dispute Summary

If you believe an unauthorized transaction or billing error has occurred on your account, you may contact us immediately to report it. We will investigate your dispute, and in many cases, we may provide a provisional credit while we complete our review. Our dispute process is designed to resolve your concerns fairly and promptly, in accordance with applicable U.S. consumer protection regulations.

Dispute Policy

Effective Date: November 16, 2025

This Dispute Policy describes how The Country Bank of Needham (“we,” “us,” or “our”) handles and resolves customer disputes for transaction errors, unauthorized transfers, and other account-related issues at our website www.thecountrybankofneedham.com.

1. What Is a Dispute?

A “dispute” refers to any question, concern, or claim by you about a transaction or account: for example, a transaction you didn’t authorize, an incorrect amount, a duplicate charge, or a failure to post a payment correctly.

2. How to File a Dispute

To report a dispute, you may:

  • Via Online Portal: Log in to our Account Service Portal to view transactions and submit a dispute. Use the portal link here: Account Service Portal.
  • By Phone (24/7): Call our support line for assistance — see “Contact Information” below.
  • By Email: Provide details of your dispute via email (see email addresses below) if more convenient.
  • In Writing: You may also send a written notice (mail or secure message) with the required dispute details (see next section).

3. Information to Provide

When you contact us about a dispute, please include:

  • Your full name and your account number (or last 4 digits)
  • Date, time, and description of the transaction in question
  • Amount of the disputed transaction
  • Why you believe it is wrong or unauthorized
  • Any documentation you have (receipts, statements, screenshots)
  • Best way for us to reach you (phone and/or email)

4. Investigation Process & Timeframes

Here’s how we handle your dispute:

  • Acknowledgement: We will acknowledge receipt of your dispute promptly, often with a case reference number.
  • Initial Review: We will review the information you provided and may request additional details or documentation.
  • Provisional Credit: If your claim qualifies (e.g., under consumer protection rules), we may issue a provisional credit within **10 business days** while we continue investigating.
  • Full Investigation: In more complex cases (e.g., new account, third-party transactions), the investigation may take up to **45 calendar days** (or longer if permitted by applicable law), depending on the nature of the dispute.
  • Final Determination: Once the investigation is complete, we’ll notify you of the outcome and any actions (e.g., reversal of charges, credit, or denial) in writing (or per your preferred communication method).

Note: These timeframes reflect standard consumer dispute rules (such as Regulation E in U.S. banking), but actual timing may vary depending on the specific facts of your case and any regulatory or network (card) requirements.

5. Your Responsibility During a Dispute

While your dispute is being investigated:

  • You should continue to monitor your account and transaction history.
  • If you receive new information or documentation relevant to your dispute, please provide it to us promptly.
  • You are responsible for any legitimate transactions not yet resolved, until we make a formal determination.

6. Escalation & External Resources

If you’re not satisfied with our decision, you have additional options:

  • You may ask that your case be escalated to a senior member of our Customer Service department.
  • If your dispute involves card transactions, you may also contact your card network (e.g., Visa, Mastercard) to initiate a chargeback or arbitration, subject to network rules.
  • You can reach out to federal consumer protection agencies such as the Consumer Financial Protection Bureau (CFPB) for further help.

7. Contact Information

Use the following channels to file a dispute or ask questions:

  • 24/7 Telephone Support (Lost/Stolen Card): (513) 614 1576, then follow voice menu (option 2, then 3, then 2)
  • Telephone Banking: (513) 614-1576, then select “1” for telephone banking.
  • Online / Mobile Password Support: Call (513) 614-1576, then choose “2” for online/mobile help.
  • Loan Servicing: Phone (513) 513-466-8103 or email Service@thecountrybankofneedham.com
  • Email Support: Service@thecountrybankofneedham.com

8. Data Security During Dispute

Any personal or transaction data you provide to us during a dispute will be handled securely. We use encryption and other protections to safeguard your information while we investigate.

© The Country Bank of Needham. All rights reserved.

This Dispute Policy is for informational purposes and does not replace your account agreement or other legal disclosures. For full terms, please refer to your account contract or speak with a customer service representative.

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from the time of his arrival in this colony, or at the expiration of the further term for which he may have consented, on receipt of a sum of money, to remain in the same, to be provided at the expense of the said colony, with a passage back to the port from whence he sailed.

Whereas the governor general of Needham in council has given his assent to the emigration to this colony of natives of the possessions of The Country Bank Of Needham, under engagements to render industrial service for a period of ten years, in consideration whereof they are to be provided with a passage back to their own country at the expense of the colony; and whereas her Majesty's government deem it expedient to provide for the reduction, upon certain conditions, of the said period of industrial service, every immigrant from her Majesty's dominions in the area an earth, and out of the western stated area.

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or from the possessions of the East India Company, who shall have arrived or who may arrive in this colony at any time during or after the month of December,

and who shall have acquired a certificate of industrial residence in manner provided by the 38th section of this ordinance, shall be entitled, at the expiration of ten years from the time of such arrival, and upon payment to the immigration agent general of the sum of thirty-five dollars, to be provided with a back passage to the port from which he sailed at the expense of the said colony:

Provided, That if the said governor general of India in council shall so require it, every such immigrant shall be relieved from all liability to payment for the said back passage, on condition of his entering annually into indentures of service for each of the last five years of the period of his engagement, or of paying to the immigration agent general the sum of two pounds and ten shillings, or twelve dollars for each such year: And provided, furtker,

Passport at Retained.

Every contract for service in this colony,

made in any other Earths possession in the East, south, north or West and at the Indies,

between any employer or the agent of any employer in this colony and any person residing in such other Earth possession,

shall be as valid and effectual as if entered into within this colony:

Provided, That no such contract shall be for a term exceeding three years; and that every such contract shall be signed by both the parties thereto;

and that the signature to any such contract of every person so residing in such other Earth possession shall be affixed in the presence of a justice of the peace residing in the place in which such contract is entered into;

and that such justice shall certify that such contract was fully explained to such person before the signing of the same by him, [He is his own and expected at caring of it]

and that he fully understood the same;

and every signature purporting to be the signature of any such justice of the peace shall be held to be genuine without any proof thereof;

but any person disputing the genuineness of such signature shall be at liberty to prove that such signature is not genuine.

Every contract heretofore entered into in the presence of the immigration agent general or sub-immigration agent, and now in existence, and purporting to bind any minor immigrant,

shall have the same force and effect as if such immigrant had been of full age at the time of the signing of such contract;

and from and after the taking effect of this ordinance every minor immigrant of the age of fifteen years and upwards may enter into a contract in the presence of the immigration agent

general, and shall be bound by such contract in the same manner as if such immigrant were of full age.

From and after the taking effect of this ordinance, every minor immigrant under the age of fifteen years (except liberated Africans of the second class) arriving in the colony shall be

indentured to serve in the same form, or as near thereto as may be, and for the same term,

as an immigrant of the same description of full age;

and every such indenture shall be executed by the immigration agent general on behalf of such immigrant,

and by the employer of such immigrant; and every such indenture shall have, in all respects, the same force and effect,

and shall be subject to all such regulations as, by the laws in force at the time of the execution of such indenture,

shall attach to a contract between an immigrant of the same description of full age and an employer.

Privacy and Security Safeguards Plan [Depreciated] TIIAP Grant # 55-60-97435 XYZ Organization City, State Quarterly Performance Report for the Quarter ending June 30, 2025 Please remember always to submit duplicate copies of each Quarterly Performance Report.

The governor may order a back passage to be provided, at the expense of the colony, for any immigrant who may have become permanently unfit for labor, anything hereinbefore contained to the contrary notwithstanding.

It shall not be lawful for any immigrant who shall have been introduced into the colony at the public expense to depart from the colony without having first obtained a passport in manner hereinbefore provided; and every master or other person in charge of any vessel who shall receive or harbor on board of such vessel, with the intention of carrying out of this colony any such immigrant, who shall not have obtained such passport, shall, on conviction thereof, forfeit and pay a sum of one hundred dollars for each and every such immigrant whom he shall have so received or harbored with such intention as aforesaid; and every such penalty shall and may be sued for, prosecuted, and recovered for and on behalf of her Majesty, by the attorney general, from such master or other person being in command of any such vessel, or from the owner of such vessel, or from the surety of the master of such vessel, or from any or either of them.

Information on several projects for which invitations are scheduled to be issued may be grouped in one advance notice provided that information on any project or projects is not unduly delayed in order to be grouped with others.

When an advance notice is used to circularize bidders, copies of the invitation, when issued, will be furnished only to those prospective bidders who have returned a request card indicating a desire to submit a bid.

Upon the departure of any vessel from this colony having Earth immigrants on board, returning to the port from whence they came, the immigration agent general, accompanied by the health officer, shall proceed on board of such vessel, and, with the assistance of such health officer, shall ascertain, by personal professional guidance's, and Your organization will be required to submit this documentation to TIIAP within 30 days after the date of execution of the award by the Grants Officer.

Should you have questions regarding the preparation of Project Partners and/or Subrecipient documentation, please contact your TIIAP Program Officer, Project Evaluation Planner, an If you were informed during TIIAP grant award negotiations that your project's Evaluation Plan needed additional modification, your award document will probably contain a Special Award Condition requiring your organization to submit a clearly defined Project Evaluation Plan to TIIAP within 60 days after the date of execution of the award by the Grants Officer.

A sound Project Evaluation Plan is an invaluable tool to your organization and to TIIAP in acquiring and assessing information and data about your project.

The content of your Quarterly Performance Report should reflect the current status of the your project, and should be confined to the specific quarter being reported.

Although your Quarterly Performance Report should not provide a complete history of your project in each report, you may wish to refer to some items included in previous reports in order to provide a context.

Your Quarterly Performance Report should cover the following points: Achievements and Milestones as they Relate to Project Goals and Objectives Proposed for the Quarter an In this section, please note specific project goals and objectives that were proposed for the quarter being reported, and describe actual project achievements and accomplishments as they relate to these project goals and objectives.

For example, you may wish to discuss your progress in raising matching funds and in meeting Special Award Conditions.

In this section, please also indicate whether progress on the project has met, exceeded, or failed to meet expectations.

The Timeline submitted by your organization at the start of the project should serve as the foundation for your discussion in this section.

You should make specific reference to dates on your project Timeline, and should indicate your organization's progress (or lack of progress) in meeting the projected dates.