Using your card: goods (8 in person, I by phone, I by computer), pay for services (A in person, E by phone.

Transcription

1 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Elecoic Fud Trsfers we re cpble of hdlig for cosumers re idicted below, some of which my ot pply your ccout. Some of these my ot be vilble t ll termils. Plese red this disclosure crefully becuse it tells you your rights d obligtios for these sctios. You should keep this otice for future referece. TYPES OF TRANSFERS, FREOUENCY AND DOLLAR f Mke pymets from LIMITATIONS X () Prerrged Trsfers. E Get checkig ccout(s) iformtio Preuthorized credits. You my mke rrgemets E Get svigs ccout(s) iformtio for certi direct deposits be ccepted i your Trsfer fuds from checkiq checkiq E checkig d/or X svigs ccout(s). A Preuthorized pymets. You my mke f rrgemets py certi recurrig bills from your X checkig d/or E svigs ccout(s). (d) Poit-Of-Sle Trsctios. Usig your crd: E You my ccess your E checkig ccout I (b) Telephoe Trsfers. You my ccess your ccout(s) ccout(s) purchse by telephos 31 (940) usig uch e phoe, your ccout umbers, d persol idetifictio umber (PlN) d Socil Security Number : E Trsfer fuds from checkig svigs E Trsfer fuds from svigs checkig E Trsfer fuds from checkig 19 checkiq E Trsfer fuds from sviqs svrgs E Mke pymets from checkig lo ccouts with us tl Mke pymets from Mke pymets from A Get checkig ccout(s) iformtio my withdrw o more th $5oo.o0 per dv E Trsfer fuds from svigs checkig E Trsfer fuds from checkig svigs X Trsfer fuds from to sviqs Mke pymets from checkig ccout goods (8 i perso, I by phoe, I by computer), py for services (A i perso, E by phoe. E by computer), qet csh from mercht, if the mercht permits, or from prticiptig ficil istitutio, d do ythig tht prticiptig mercht will ccept. E You my ot exceed more th $ 10oo'oo sctios per dv bv poit-of-sle sctio (e) Computer Trsfers. You my ccess your ccout(s) by computer by goig www'firstbkweb'com d usig your Uioue user l.d. d Pssword : Get svigs ccout(s) iformtio Trsfer fuds from checkig svigs E Get Certificte of Deposit or Lo lformtio E Trsfer fuds from svigs checkig A Trsfer fuds f19m checkiq E Get withdrwl, deposit d sctio hisry bout checkig, 16 checkiq sviqs, certificte of deposit or los E Trsfer fuds from E] (c) ATM Trsfers. You my ccess your ccout(s) by 16 sviqs ATM usig Your Debit Crd ts Mke pymets from checkig lo ccouts d persol idetifictio umber : with us I Mke deposits checkig ccouts A Mke pymg;1ts frs6 svi Mke deposits svigs ccouts 19 los E Get csh withdrwls from checkig ccouts you I Mke pymets from my withdrw o more th $50o'o0 per dv E Get csh withdrwls from svigs ccouts you Get checkig ccout(s) iformtio E Get svigs ccout(s) iformtio E get blce iformtio, deposit d sctio hisry bout checkig, sviqs, certificte of deposit or los E Mke bill pvmets third prties through Bill Pv. ip Elecoic Fud Trsfers Disclosure ETM-2-LAZ 1ol1l2o'14 Wotirs Ktirwer Ficil Services O 2014 Pge 1 of 5

2 E (f) Mobile Bkig Trsfers. You my ccess your ccout(s) by web-ebled cell phoe by qoiq or our moble bkig pp d usig your Uique user l.d. d Pssword E Trsfer fuds from checkig svigs E Trsfer fuds from svigs checkig A Trsfer fuds from checkiq checkiq Trsfer fuds from svi sviqs A Mke pymets f rom checkig lo ccouts with us E Mke pymets from sviqs to los Mke pymets from Get checkig ccout(s) iformtio Get svigs ccout(s) iformtio get blce iformtio, deposit hisry d sctio hisrv bout checkiq, sviqs. certificte of deoosit or los E Mke bill pvmels through Bill Py some other method) usted third prties whom you hve uthorized iitite these elecoic f ud sfers. Exmples of these sfers iclude, but re ot limited : Elecoic check coversio. You my uthorize mercht or other pyee mke oe-time elecoic pymet f rom your checkig ccout usig if ormtio from your check py Ior purchses or py bills. You my: Not exceed more th pymets by elecoic check per I Mke pymets by elecoic check from_, Pymets re limited - per_ E Elecoic retured check chrge. You my uthorize mercht or other pyee iitite elecoic fud sfer collect chrge i the evet check is retured for isufficiet fuds. You my: D Mke o more th per for elecoic chrges for checks retured for fuds. Mke elecoic pymet of chrges retured for isufficiet fuds from limited - per- pymets pymet of isufficiet for checks. Pymets re A You my be chrged ccess fees by your cell phoe provider bsed o your idividul pl. Web ccess is eeded use this service. Check with your cell phoe provider for detils o specific fees d chrges. I (g) Elecoic Fud Trsfers litited By Third Prties. You my uthorize third prty iitite elecoic f ud sfers betwee your ccout d the third prty's ccout. These sfers mke or receive pymet my be oe-time occurreces or my recur s directed by you. These sf ers my use the Aumted Clerig House (ACH) or other pymets etwork. Your uthoriztio the third prty mke these sfers c occur i umber of wys. For exmple, your uthoriztio covert check elecoic f ud sfer or elecoiclly py retured check chrge c occur whe mercht provides you with otice d you go forwrd with the sctio (typiclly, t the poit of purchse, mercht will post sig d prit the otice o receipt). l ll cses, these third prty sfers will require you provide the third prty with your ccout umber d ficil istitutio iformtio. This iformtio c be foud o your check s well s o deposit or withdrwl slip. Thus, you should oly provide your f icil istitutio d ccout iformtio (whether over the phoe, the lteret, or vi GENERAL LIMITATIONS l dditio those limittios o sfers elsewhere described, if y, the followig limittios pply: A TrSferS or withdrwls from svigs/ moey mrket ccout other ccout of yours or third prty by mes of preuthorized or umtic sfer or telephoe order or isuctio, computer sfer, or by check, drft, debit crd or similr order third prty, re limited 1s 6 per sttemet cycle lf you exceed the sf er limittios set forth bove, your ccout shll be subject closure. A More th 6 debit sctios of y kid per moth, d vou will be chrged S1O.O0 per debit sctio (o moey mrket ccouts) ech mothly sttemet cycle tht you hve more th 6 debit sctios. More th 6 debit sctios of y kid rter, d will be chrged S1.00 per debit sctio (o svigs ccouts) ech qurterly sttemet cycle tht you hve more th 6 debit sctios. Elecoic Fud Trsf ers Disclosure Bkers Systems TM VMP (0 Wolters Kluwer Ficil Services O 2014 ETM-2-LAZ 10118t2414 Pge 2 ol 5

3 FEES re set up use We chrge ech our cusmers whose ccouts ech but oly if the blce i the flls below durig the [ $1.0O fee for ech withdrwl ot doe t First Bk ATM Except s idicted bove, we do ot chrge for Elecoic Fud Trsfers. ATM Operr/Network Fees: Whe you use ATM ot owed by us, you my be chrged fee by the ATM operr or y etwork used (d you my be chrged fee for blce iquiry eve if you do ot complete fud sfer). DOCUMENTATION () Termil Trsfers. You c get receipt t the time you mke sfer or from your ccout usig () A umted teller mchie E poit-of-sletermil, E You my ot get receipt if the mout of the sfer is $15 or less. (b) Preuthorized Credits. lf you hve rrged hve direct deposits mde your ccout t lest oce every 6O dys from the sme perso or compy, you c cll us t the telephoe umber listed below f id out whether or ot the deposit hs bee mde. (c) l dditio, A You will get mothly ccout sttemet from us, uless there re o sfers i prticulr moth. l y cse you will get sttemet t lest qurterly.! You will get qurterly sttemet from us o your svigs ccout if the oly possible elecoic sfer or from the ccout is preuthorized credit. lf you brig your pssbook us, we will record y elecoic deposits tht were mde your ccout sice the lst time you brought i your pssbook. We chrge PREAUTHORIZED PAYMENTS () Right sp pymet d procedure for doig so. lf you hve ld us i dvce mke regulr pymets out of your ccout, you c sp y of these pymets. Here's how: Cll or write us t the telephoe umber or ddress listed i this disclosure, i time for us receive your request 3 busiess dys or more before the pymet is scheduled be mde. lf you cll. we my lso require you put your request i writig d get it us withi 14 dys fter you cll. E We chrge $ 20.oo for ech sp pymet. (b) Notice of vryig mouts. lf these regulr pymets my vry i mout, the perso you re goig py will tell you, 10 dys before ech pymet, whe it will be mde d how much it will be. (you my choose isted get this otice oly whe the pymet would differ by more th certi mout from the previous pymet, or whe the mout would fll outside certi limits tht you set.) (c) Libility for filure sp pymet of preuthorized sfer. lf you order us sp oe of these pymets 3 busiess dys or more before the sfer is scheduled, d we do ot do so, we will be lible for your losses or dmges. FINANCIAL INSTITUTION'S LIABIL]TY () Libility for filure mke sfers. lf we do ot complete sfer or from your ccout o time or i the correct mout ccordig our greemet with you, we will be lible for your losses or dmges. However, there re some exceptios. We will ot be lible, for istce: lf, through o fult of ours, you do ot hve eough moey i your ccout mke the sfer. lf the sfer would go over the credit limit o your overdrft lie. lf the umted teller mchie where you re mkig the sfer does ot hve eough csh. lf the termil or system ws ot workig properly d you kew bout the brekdow whe you strted the sfer. lf circumstces beyod our cool (such s fire or f lood) prevet the sfer, despite resoble precutios tht we hve tke. There my be other exceptios stted i our greemet with you. CONFIDENTIALITY We will disclose iformtio third prties bout your ccout or the sfers you mke; (1) where it is ecessry for completig sfers; or (2) i order verify the existece d coditio of your ccout for third prty, such s credit bureu or mercht; or (3) i order comply with govermet gecy or court orders; or (4) A if you give us writte permissio. E s explied i the seprte Privcy Disclosure. I Elecoic Fud Trslers Disclosure Wolters Kluwer Ficil Services O 2014 ETM-2-LAZ 10t18t2014 Pge 3 ol 5

4 UNAUTHORIZED TRANSFERS () Cosumer Libility. Tell us t oce if you believe your crd d/or code hs bee lost or sle, or if you believe tht elecoic fud sfer hs bee mde without your permissio usig iformtio f rom your check. Telephoig is the best wy of keepig your possible losses dow. You could lose ll the moey i your ccout (plus your mximum overdrft lie of credit). lf you tell us withi 2 busiess dys fter you ler of the loss or theft of your crd d/or code, you c lose o more th S5O if someoe used your crd d/or code without your permissio. Also, if you do NOT tell us withi 2 busiess dys fter you ler of the loss or theft of your crd d/or code, d we c prove we could hve spped someoe from usig your crd d/or code without your permissio if you hd ld us, you could lose s much s $500. Also, if your sttemet shows sfers tht you did ot mke, icludig those mde by crd, code or other mes, tell us t oce. lf you do ot tell us withi 6O dys fter the sttemet ws miled you, you my ot get bck y moey you lost fter the 6O dys if we c prove tht we could hve spped someoe f rom tkig the moey if you hd ld us i time. lf good reso (such s log ip or hospitl sty) kept you from tellig us, we will exted the time period. E Vis@ Debit Crd. Additiol Limits o Libility for Vis Debit Crd Uless you hve bee grossly egliget or hve egged i f rud, you will ot be lible f or y uuthorized sctios usig your lost or sle Vis crd. This dditiol limit o libility does ot pply ATM sctios outside of the U.S., ATM sctios ot set over Vis or Plus etworks, or sctios usig your Persol ldetifictio Number which re ot processed by Vis. Vis is registered demrk of Vis ltertiol Service Associtio. MsterCrd@ D"bit Crd. Additiol Limits o Libility for. You will ot be lible for y uuthorized sctios usig your MsterCrd debit crd if : (i) you c demoste tht you hve exercised resoble cre i sfegurdig your crd from the risk of loss or theft, d (ii) upo becomig wre of loss or theft, you promptly report the loss or theft us. MsterCrd is registered demrk of MsterCrd ltertiol lcorported. (b) Cotct i evet of uuthorized sfer. lf you believe your crd d/or code hs bee lost or sle, cll or write us t the telephoe umber or ddress listed t the ed of this disclosure. You should lso cll the umber or write the ddress listed t the ed of this disclosure if you believe sf er hs bee mde usig the iformtio from your check without your permissio. ERROR RESOLUTION NOTICE l Cse of Errors or Ouestios About Your Elecoic Trsfers, Cll or Write us t the telephoe umber or ddress listed below, s soo s you c, if you thik your sttemet or receipt is wrog or if you eed more iformtio bout sfer listed o the sttemet or receipt. We must her from you o lter th 60 dys fter we set the FIRST sttemet o which the problem or error ppered. (1) Tell us your me d ccout umber (if y). (2) Describe the error or the sfer you re usure bout, d expli s clerly s you c why you believe it is error or why you eed more if ormtio. (3) Tell us the dollr mout of the suspected error. lf you tell us orlly, we my require tht you sed us your complit or questio i writig withi 1O busiess dys. We will determie whether error occurred withi 10 busiess dys (5 busiess dys if ivolvig Vis@ poit-of-sle sctio processed by Vis or 20 busiess dys if the sfer ivolved ew ccout) fter we her from you d will correct y error promptly. lf we eed more time, however, we my tke up 45 dys (90 dys if the sfer ivolved ew ccout, poit-of-sle sctio. or foreig-iitited sfer) ivestigte your complit or questio. lf we decide do this, we will credit your ccout withi 1O busiess dys (5 busiess dys if ivolvig Vis poit-of-sle sctio processed by Vis or 2O busiess dys if the sfer ivolved ew ccout) for the mout you thik is i error, so tht you will hve the use of the moey durig the time it tkes us complete our ivestigtio. lf we sk you put your complit or questio i writig d we do ot receive it withi 10 busiess dys, we my ot credit your ccout. A ccout is cosidered ew ccout for 30 dys fter the first deposit is mde, if you re ew cusmer. We will tell you the results withi three busiess dys fter completig our ivestigtio. lf we decide tht there ws o error, we will sed you writte expltio. You my sk for copies of the documets tht we used i our ivestigtio. Elecoic Fud Trsfers Disclosure Wolters Kluwer Ficil Services O 2O'14 ETM-2,LAZ 10t18t2014 Pge 4 of S

5 ADDITIONAL INFORMAT!ON : CURRENCY CONVERSION AND INTERNATIONAL TRANSACTIONS - whe you use your VISA (R) debit crd t mercht tht settles i currecy other th U.S. dollrs, the chrge will be coverted i the U.S. dollr mout, The currecy coversio rte used determie the sctio mout i U.S. dollrs is either rte selected by VISA from the rge of rtes vilble i wholesle currecy mrkets for the pplicble cel processig dte, which rte my vry from the rte VISA itself receives, or the govermet-mdted rte i effect for the pplicble cel processig dte, plus 1 o/o. The coversio rte i effect o the processig dte my differ from the rte i effect o the sctio dte or postig dte. By sigig below cusmer ckowledges receipt of pges l, 2, 3, 4 d 5 of this otice: Siged Dted INSTITUTION (me, ddress. telephoe umber, busiess dys) INTERNATIONAL TRANSACTIONS- lf you coduct sctio ivolvig oly U.S. dollrs with the debit crd i couy outside of the Uited Sttes of Americ, Puer Rico or the U.S. Virgi lslds there will be sctio fee of 0.87o of the sctio mout tht will pper o your mothly sttemet. lf you coduct sctio ivolvig multiple currecies with the debit crd i couy outside of the Uited Sttes of Americ, Puer Rico or the U. S. Virgi lslds there will be sctio fee of 1.O o/o of the sctio mout tht will pper o your mothly sttemet. First Bk 300 Est Third Seet Burkburett, Tx Busiess dys re Mody through Fridy excludig ll Federl Holidys ADVISORY AGAINST ILLEGAL USE- You gree ot use your debit crd for illegl gmblig or other illegl purposes. Disply of pymet crd logo by, for exmple, olie mercht does ot ecessrily me tht sctios re lwful i the jurisdictio i which you my be locted. Elecoic Fud Trsf ers Disclosure Bkers Systems TM Wolters Kluwer Ficil Services O 20'14 ETM-2-LAZ 10t18t2014 Pge 5 ol 5