The Halstead Bank

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Preauthorized credits-You may make arrangements for certain direct deposits to be accepted into your checking and savings accounts.
Preauthorized payments-You may make arrangements to pay certain recurring bills from your checking and savings accounts. 
ATM Card transactions -You may access your account(s) by ATM using your  ATM Card and personal identification number (PIN) to do the following:

• Deposit funds to checking and savings;
• Withdraw cash from checking and savings;
• Transfer funds from checking to checking and savings;
• Transfer funds from savings to checking; and
• Get balance information about checking and savings.

Some of these services may not be available at all terminals.

Visa Debit Card ATM transactions-You may access your account(s) by ATM using your  Visa Debit Card and personal identification number (PIN) to do the following:

• Deposit funds to checking and savings;
• Withdraw cash from checking and savings;
• Transfer funds from checking to checking and savings;
• Transfer funds from savings to checking and savings; and
• Get balance information about checking and savings.

Some of these services may not be available at all terminals.

 Visa Debit Card point-of-sale transactions-You may access your checking account(s) by debit card to do the following:

• Purchase goods in person or by phone;
• Pay for services in person or by phone ;
• Get cash from a participating merchant or financial institution; and
• Do any transaction that can be made with a credit card.

You will be charged for each transfer/transaction as disclosed in the Schedule of Fees and Charges.

Terminal transfers-You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.

Preauthorized credits-If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

• The person or company making the deposit will tell you every time they send us the money; and
• You can call us at (316) 835-2226 to find out whether or not the deposit has been made.

Period statements:

• You will get a monthly account statement from us for your checking account(s).
• You will get a quarterly account statement from us for your savings accounts(s), if the only possible electronic transfers to or from the account are preauthorized credits.
• You will get a monthly account statement from us for your savings account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

Right to stop payment and procedure for doing so-If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Notice of varying amounts-If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

Liability for failure to stop payment of preauthorized transfer-If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Liability for failure to make transfers-If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. There are, however, some exceptions. We will NOT be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. There may be other exceptions stated in our agreement with you.

We will disclose information to third parties about your account or the transfers you make:

1. Where it is necessary for completing transfers;
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
3. In order to comply with government agency or court orders; or
4. If you give us written permission.

(a) Consumer liability. (1) Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within four business days, you can lose no more than $50.00 if someone used your card without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within four business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your card and/or code without your permission.)

     If you do NOT tell us within four business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $300.00.

     Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

     If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

     (2) Additional Limits on Liability for Freedom Visa Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Freedom Visa Check Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number that are not processed by Visa, or to commercial cards.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this disclosure.

In Case of Errors or Questions about Your Electronic Transfers, call or write us at the telephone number or address listed in this disclosure, 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 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 (five business days if the transfer involved a point-of-sale transaction and 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 the transfer involved a point-of-sale transaction and 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.

     If you have inquiries regarding your account, please contact us at:

The Halstead Bank

314 Main Street

Halstead, KS 67056

BUSINESS DAYS:

Monday, Tuesday, Wednesday, Thursday, and Friday

Holidays are not included.

Phone: (316) 835-2226

You may use your Freedom ATM Card and/or Freedom Visa Check Card to make payments from your checking or savings account to The Halstead Bank.

NOTICE REGARDING ATM FEES BY OTHERS: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.