ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l

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1 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these may not be avaiabe at a terminas Pease read this discosure carefuy because it tes you your rights and obigations for these transactions You shoud keep this notice for future reference TYPES OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS (a) Prearranged Transfers Preauthorized credits You may make arrangements for certain direct deposits be accepted in your checking and/or savings account(s) Preauthorized payments You may make arrangements pay certain recurring bis from your checking and/or savings account(s) (d) PointOfSae Transactions Using your card: You may access your checking account (b) Teephone Transfers You may access your account(s) account(s) purchase by teephone at goods ( in person, by phone, by computer), using a uch ne phone, your account numbers, and pay for services ( in person, by phone, : checking savings savings checking checking oan accounts Savings account YOUR PIN Loan accounts Get oan account(s) information (c) ATM Transfers You may access your account(s) by ATM using your DEBIT CARD and persona identification number : Make deposits checking accounts Make deposits savings accounts Get cash withdrawas from checking accounts you may withdraw no more than per DAY Get cash withdrawas from savings accounts you may withdraw no more than per DAY savings checking checking savings checking account (e) Computer Transfers You may access your account(s) by computer by wwwissbbankcom X by computer), get cash from a merchant, if the merchant permits, or from a participating financia institution, and do anything that a participating merchant wi accept You may not exceed more than $ in transactions per DAY X and using your : checking savings savings checking checking oan accounts savings oan accounts user information Get oan account(s) information Use Internet Bipayer services Eectronic Fund Transfers Discosure ETM2LAZ 10/18/2014 Woters Kuwer Financia Services 2014 Page 1 of 5

2 (f) Mobie Banking Transfers You may access your account(s) by webenabed ce phone by enroing in your internet banking account and using your internet banking user code and/or password : checking savings savings checking checking oan accounts savings oan accounts get oan account(s) information use bi payment services find ISSB ATM and branch ocations some other method) trusted third parties whom you have authorized initiate these eectronic fund transfers Exampes of these transfers incude, but are not imited : Eectronic check conversion You may authorize a merchant or other payee make a onetime eectronic payment from your checking account using information from your check pay for purchases or pay bis You may: Not exceed more than by eectronic check per payments Make payments by eectronic check from Payments are imited per Eectronic returned check charge You may authorize a merchant or other payee initiate an eectronic fund transfer coect a charge in the event a check is returned for insufficient funds You may: Make no more than payments per for eectronic payment of charges for checks returned for insufficient funds Make eectronic payment of charges for checks returned for insufficient funds from Payments are imited per You may be charged access fees by your ce phone provider based on your individua pan Web access is needed use this service Check with your ce phone provider for detais on specific fees and charges (g) Eectronic Fund Transfers Initiated By Third Parties You may authorize a third party initiate eectronic fund transfers between your account and the third party' s account These transfers make or receive payment may be onetime occurrences or may recur as directed by you These transfers may use the Aumated Cearing House (ACH) or other payments network Your authorization the third party make these transfers can occur in a number of ways For exampe, your authorization convert a check an eectronic fund transfer or eectronicay pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typicay, at the point of purchase, a merchant wi post a sign and print the notice on a receipt) In a cases, these third party transfers wi require you provide the third party with your account number and financia institution information This information can be found on your check as we as on a deposit or withdrawa sip Thus, you shoud ony provide your financia institution and account information (whether over the phone, the Internet, or via GENERAL LIMITATIONS In addition those imitations on transfers esewhere described, if any, the foowing imitations appy: Transfers or withdrawas from a Money M or sav acct account another account of yours or a third party by means of a preauthorized or aumatic transfer or teephone order or instruction, computer transfer, or by check, draft, debit card or simiar order a third party, are imited MONTH SIX per If you exceed the transfer imitations set forth above, your account sha be subject cosure Eectronic Fund Transfers Discosure ETM2LAZ 10/18/2014 Woters Kuwer Financia Services 2014 Page 2 of 5

3 FEES We charge We charge aumated teer machine pointofsae termina You may not get a receipt if the amount of the transfer is $15 or ess (b) Preauthorized Credits If you have arranged have direct deposits made your account at east once every 60 days from the same person or company, you can ca us at the teephone number isted beow find out whether or not the deposit has been made (c) In addition, You wi get a monthy account statement from us, uness there are no transfers in a particuar month In any case you wi get a statement at east quartery are set up use each our cusmers whose accounts each but ony if the baance in the fas beow during the Except as indicated above, we do not charge for Eectronic Fund Transfers ATM Operar/Network Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operar or any network used (and you may be charged a fee for a baance inquiry even if you do not compete a fund transfer) DOCUMENTATION (a) Termina Transfers You can get a receipt at the time you make a transfer or from your account using a(n) You wi get a quartery statement from us on your savings account if the ony possibe eectronic transfer or from the account is a preauthorized credit If you bring your passbook us, we wi record any eectronic deposits that were made your account since the ast time you brought in your passbook PREAUTHORIZED PAYMENTS (a) Right sp payment and procedure for doing so If you have d us in advance make reguar payments out of your account, you can sp any of these payments Here's how: Ca or write us at the teephone number or address isted in this discosure, in time for us receive your request 3 business days or more before the payment is schedued be made If you ca, we may aso require you put your request in writing and get it us within 14 days after you ca We charge 3500 for each sp payment (b) Notice of varying amounts If these reguar payments may vary in amount, the person you are going pay wi te you, 10 days before each payment, when it wi be made and how much it wi be (You may choose instead get this notice ony when the payment woud differ by more than a certain amount from the previous payment, or when the amount woud fa outside certain imits that you set) (c) Liabiity for faiure sp payment of preauthorized transfer If you order us sp one of these payments 3 business days or more before the transfer is schedued, and we do not do so, we wi be iabe for your osses or damages FINANCIAL INSTITUTION' S LIABILITY (a) Liabiity for faiure make transfers If we do not compete a transfer or from your account on time or in the correct amount according our agreement with you, we wi be iabe for your osses or damages However, there are some exceptions We wi not be iabe, for instance: If, through no faut of ours, you do not have enough money in your account make the transfer If the transfer woud go over the credit imit on your overdraft ine If the aumated teer machine where you are making the transfer does not have enough cash If the termina or system was not working propery and you knew about the breakdown when you started the transfer If circumstances beyond our contro (such as fire or food) prevent the transfer, despite reasonabe precautions that we have taken There may be other exceptions stated in our agreement with you CONFIDENTIALITY We wi discose information third parties about your account or the transfers you make: (1) where it is necessary for competing transfers; or (2) in order verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (3) in order compy with government agency or court orders; or (4) if you give us written permission as expained in the separate Privacy Discosure Eectronic Fund Transfers Discosure ETM2LAZ 10/18/2014 Woters Kuwer Financia Services 2014 Page 3 of 5

4 UNAUTHORIZED TRANSFERS (a) Consumer Liabiity Te us at once if you beieve your card and/or code has been ost or sen, or if you beieve that an eectronic fund transfer has been made without your permission using information from your check Teephoning is the best way of keeping your possibe osses down You coud ose a the money in your account (pus your maximum overdraft ine of credit) If you te us within 2 business days after you earn of the oss or theft of your card and/or code, you can ose no more than $50 if someone used your card and/or code without your permission Aso, if you do NOT te us within 2 business days after you earn of the oss or theft of your card and/or code, and we can prove we coud have spped someone from using your card and/or code without your permission if you had d us, you coud ose as much as $500 Aso, if your statement shows transfers that you did not make, incuding those made by card, code or other means, te us at once If you do not te us within 60 days after the statement was maied you, you may not get back any money you ost after the 60 days if we can prove that we coud have spped someone from taking the money if you had d us in time If a good reason (such as a ong trip or a hospita stay) kept you from teing us, we wi extend the time period Visa, Debit Card Additiona Limits on Liabiity for Uness you have been grossy negigent or have engaged in fraud, you wi not be iabe for any unauthorized transactions using your ost or sen Visa card This additiona imit on iabiity does not appy ATM transactions outside of the US, ATM transactions not sent over Visa or Pus networks, or transactions using your Persona Identification Number which are not processed by Visa Visa is a registered trademark of Visa Internationa Service Association MasterCard, Debit Card Additiona Limits on Liabiity for $5000 You wi not be iabe for any unauthorized transactions using your MasterCard debit card if: (i) you can demonstrate that you have exercised reasonabe care in safeguarding your card from the risk of oss or theft, and (ii) upon becoming aware of a oss or theft, you prompty report the oss or theft us MasterCard is a registered trademark of MasterCard Internationa Incorporated (b) Contact in event of unauthorized transfer If you beieve your card and/or code has been ost or sen, ca or write us at the teephone number or address isted at the end of this discosure You shoud aso ca the number or write the address isted at the end of this discosure if you beieve a transfer has been made using the information from your check without your permission ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Eectronic Transfers, Ca or Write us at the teephone number or address isted beow, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer isted on the statement or receipt We must hear from you no ater than 60 days after we sent the FIRST statement on which the probem or error appeared (1) (2) Te us your name and account number (if any) Describe the error or the transfer you are unsure about, and expain as ceary as you can why you beieve it is an error or why you need more information (3) Te us the doar amount of the suspected error If you te us oray, we may require that you send us your compaint or question in writing within 10 business days We wi determine whether an error occurred within 10 business days (5 business days if invoving a Visa, pointofsae transaction processed by Visa or 20 business days if the transfer invoved a new account) after we hear from you and wi correct any error prompty If we need more time, however, we may take up 45 days (90 days if the transfer invoved a new account, a pointofsae transaction, or a foreigninitiated transfer) investigate your compaint or question If we decide do this, we wi credit your account within 10 business days (5 business days if invoving a Visa pointofsae transaction processed by Visa or 20 business days if the transfer invoved a new account) for the amount you think is in error, so that you wi have the use of the money during the time it takes us compete our investigation If we ask you put your compaint 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 cusmer We wi te you the resuts within three business days after competing our investigation If we decide that there was no error, we wi send you a written expanation You may ask for copies of the documents that we used in our investigation Eectronic Fund Transfers Discosure ETM2LAZ 10/18/2014 Woters Kuwer Financia Services 2014 Page 4 of 5

5 ADDITIONAL INFORMATION: Reguar business days for a ocations: Monday through Friday Hoidays Excuded Cresn: Main Office 8:30 am 3:05 pm Lobby 7:45 am 4:00 pm Drive Up Cresn: Hwy 34 9:00 am 5:30 pm Lobby 7:45 am 5:30 pm Drive Up Devoe Street, Cresn 7:45 am 1:00 pm Drive Up (MondayThursday) 7:45 am 5:30 pm Drive Up (Friday) Lenox 8:30 am 4:00 pm Lobby 8:30 am 4:00 pm Drive Up By signing beow cusmer acknowedges receipt of pages 1, 2, 3, 4 and 5 of this notice: Signed Dated INSTITUTION (name, address, teephone number, business days) IOWA STATE SAVINGS BANK WEST ADAMS, PO BOX 109 CRESTON, IOWA Corning 8:30 am 4:00 pm Lobby Diagona 8:30 am 1:00 pm Lobby Eectronic Fund Transfers Discosure ETM2LAZ 10/18/2014 Woters Kuwer Financia Services 2014 Page 5 of 5

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