ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

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1 About 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 X (a) Prearranged Transfers. X Preauthorized credits. You may make arrangements for certain direct deposits be accepted in your X checking and/or X savings account(s). X Preauthorized payments. You may make arrangements pay certain recurring bis from your X checking and/or savings account(s). X (b) Teephone Transfers. You may access your account(s) by teephone at (409) or (281) using a uch ne phone, your account numbers, and your persona identification number (PIN) : X Transfer funds from checking savings X Transfer funds from savings checking Transfer funds from Transfer funds from checking oan accounts with us X Get checking account(s) information X Get savings account(s) information X (d) Point-Of-Sae Transactions. Using your card: X You may access your X checking account account(s) purchase goods (X in person, X by phone, X by computer), pay for services (X in person, X by phone, X by computer), get cash from a merchant, if the merchant permits, or from a participating financia institution, and do anything that a participating X merchant wi accept. You may not exceed more than $ in transactions per day. X Get checking account(s) information X Get savings account(s) information X (c) ATM Transfers. You may access your account(s) by ATM using your Visa Check Card and persona identification number : Make deposits checking accounts Make deposits savings accounts X Get cash withdrawas from checking accounts you may withdraw no more than $ per day X Get cash withdrawas from savings accounts you may withdraw no more than $ per day X Transfer funds from savings checking X Transfer funds from checking savings Transfer funds from checking account X (e) Computer Transfers. You may access your account(s) by computer by ogging on and using your internet password and user ID : X Transfer funds from checking savings X Transfer funds from savings checking X Transfer funds from your checking or savings another financia institution Transfer funds from X checking oan accounts with us X your checking account a third party using bi pay. X Get checking account(s) information X Get savings account(s) information Eectronic Fund Transfers Discosure ETM-2-LAZ 4/13/2010 Woters Kuwer Financia Services , 2009 Page 1 of 5

2 X (f) Mobie Banking Transfers. You may access your account(s) by web-enabed ce phone by ogging on the mobie banking website and using your internet banking password & user ID : X Transfer funds from checking savings X Transfer funds from savings checking Transfer funds from Tranfer funds from checking oan accounts with us X Get checking account(s) information X Get savings account(s) information X Approve transactions such as fund transfers, if you have enabed this feature. X Mobie Banking web address: Texas City: some other method) trusted third parties whom you have authorized initiate these eectronic fund transfers. Exampes of these transfers incude, but are not imited : X Eectronic check conversion. You may authorize a merchant or other payee make a one-time eectronic payment from your checking account using information from your check pay for purchases or pay bis. You may: Not exceed more than payments by eectronic check per. X Make payments by eectronic check from your checking account. Payments are imited per. X 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. X Make eectronic payment of charges for checks returned for insufficient funds from your checking account. Payments are imited per. X * See page 5 for further information. X 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. X (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 one-time 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: X Transfers or withdrawas from a savings 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 six (6) per per monthy period. If you exceed the transfer imitations set forth above, your account sha be subject cosure. X Refer your Truth-in-Savings discosures regarding per item fee in excess of six withdrawas per monthy period. Eectronic Fund Transfers Discosure ETM-2-LAZ 4/13/2010 Woters Kuwer Financia Services , 2009 Page 2 of 5

3 FEES We charge are set up use We charge each our cusmers whose accounts each but ony if the baance in the. fas beow during the. X * Refer page 5 regarding any other fees for Eectronic Fund Transfers not previousy mentioned. 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) X aumated teer machine X point-of-sae termina. X 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, X 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. 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. X We charge $29.50 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. X as expained in the separate Privacy Discosure. Eectronic Fund Transfers Discosure ETM-2-LAZ 4/13/2010 Woters Kuwer Financia Services , 2009 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. X Visa, Debit Credit. Additiona Limits on Liabiity for Visa Check Card. 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 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. You wi not be iabe for any unauthorized transactions using your MasterCard debit card, when used for point-of-sae transactions, if: (i) you can demonstrate that you have exercised reasonabe care in safeguarding your card from the risk of oss or theft, (ii) you have not reported us two or more incidents of unauthorized use within the prior twevemonth period, and (iii) your account is in good standing. If any of these conditions are not met, your iabiity is the esser of $50 or the amount of money, property, abor, or services obtained by the unauthorized use before notification us. "Unauthorized use" means the use of your debit card by a person, other than you, who does not have actua, impied, or apparent authority for such use, and from which you receive no benefit. This additiona imit on iabiity does not appy ATM transactions or transactions using your Persona X Identification Number which are not processed by MasterCard. MasterCard is a registered trademark of MasterCard Internationa Incorporated. Liabiity described above aso appies if you beieve an Eectronic Fund Transfer has been made without your permission using information from your check. (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) Te us your name and account number (if any). (2) 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, point-ofsae 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 point-of-sae transaction, or a foreign-initiated 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 point-ofsae 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 ETM-2-LAZ 4/13/2010 Woters Kuwer Financia Services , 2009 Page 4 of 5

5 ADDITIONAL INFORMATION: Currency Conversion: When you use your Visa Check Card at a merchant that settes in currency other than US doars, the charge wi be converted in the US Doar amount. The currency conversion rate used determine the transaction amount in US doars is either a rate seected by Visa from the range of rates avaiabe in whoesae currency markets for the appicabe centra processing date, which rate may vary from the rate Visa itsef receives, or the governmentmandated rate in effect for the appicabe centra processing date. The conversion rate in effect on the processing day may differ from the rate in effect on the transaction date or posting date. Advisory Against Iega Use: You agree not use your card(s) for iega gambing or other iega purpose. Dispay of a payment card ogo by, for exampe, an onine merchant does not necessariy mean that transactions are awfu in a jurisdictions in which the cardhoder may be ocated. Weekend Transactions: For purposes of daiy transaction imits, Saturday, Sunday and Monday are considered one day. Eectronic Fund Transfer Fees: A fee of $1.00 wi be charged for any ATM transaction (withdrawa, transfer, baance inquiry) conducted at a non-proprietary ATM. A fee of $6.75 wi be charged for repacing a card or issuing a new PIN number. 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) Texas First Bank - LM FM 1764 La Marque, TX Business Days: Monday-Friday (Excuding Federa Hoidays) To report a ost or sen Visa Check Card after hours, weekends, or hoidays ca: For more information on fees, refer the schedue of fees provided with your Truth in Savings Discosure at the time of account opening. Eectronic Fund Transfers Discosure ETM-2-LAZ 4/13/2010 Woters Kuwer Financia Services , 2009 Page 5 of 5 PDF Word

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