Common use of RIGHTS AND PROCEDURES TO STOP PAYMENTS Clause in Contracts

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) 000-0000 or write to: F&M Bank, PO Box 1208, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after your call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call us at: (000) 000-0000 or write to: F&M Bank, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) 000000)000-0000 or write to: F&M Bank, PO Box 1208, 00 Xxxx Xxxx X.X. Xxx 000 Xxxxxx, Xxxxxxxxx, XX 00000-0000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may will require you to put your request in writing and deliver it to us within fourteen (14) days after your you call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. We charge $35.00 for each stop payment. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card Card or debit card Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (000) 000000)000-0000 or (000)000-0000 (8:00 am - 5:00 pm Mon - Fri) (8:00 am – 12 pm Sat) or write to: F&M Bank, XX P. 0. Xxx 0000, 00 Xxxx Xxxx 000 Xxxxxx, Xxxxxxxxx, XX 00000KY 42025-0000 0467 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. CONSUMER LIABILITY. Tell us at once if you believe your ATM card Card or debit card Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card Card or debit card Debit Card or PIN, PIN you can lose no more than fifty dollars ($50) if someone used your ATM card Card or debit card Debit Card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card Card or debit card Debit Card or PIN and we can prove we could have stopped someone from using your ATM card Card or debit card Debit Card or PIN without your permission if you have had given us notice, you can lose as much as five hundred dollars ($500). .) Also, if your statement shows transfer transfers you did not make, including those made by card, code code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the future payments. To stop a payment, submit your request online at xxx.xxxxxxxxxxxxxxxx.xxx, call us at: (000) 000-0000 0000, or write to: F&M Southern Bank, PO P.O. Box 1208520, 00 Xxxx 000 Xxxx Xxxxxx, XxxxxxxxxXxxxxx Xxxxx, XX 00000-0000 . We must receive your call or written request at least three ([3) ] business days prior to the scheduled payment. If you call, please have the following information ready: your Your account number, the date number Date the transfer is to take place, to place To whom the transfer is being made and the amount Amount of the scheduled transfer. transfer If you call, we may require you to put your request in writing and deliver it to us within fourteen [14]days after you call. RIGHTS REGARDING MASTERCARD® AUTOMATED XXXXXX UPDATED (14"ABU") days after Mastercard® requires all financial institutions who offer debit cards to participate in the Mastercard® ABU. ABU may provide updates to participating merchants who maintain your callcard information on file to process your preauthorized payments. Examples of these participating merchants may include subscription services or utility companies. ABU will typically be used by merchants who process recurring payments. This service will allow participating merchants to receive your updated card information, when you receive a new card for any reason- for example due to expired, lost or stolen cards. Since not all merchants participate, you should also contact the merchant directly if your card information changes. You have the right to opt-out of ABU should you choose to not participate. To opt-out, you can submit your request in any of the following ways: visit us online at xxx.xxxxxxxxxxxxxxxx.xxx, call us at (000) 000-0000, or write to: Southern Bank, Attn: Retail Products Department, PO Box 520, Poplar Bluff, MO 63902. NOTICE OF VARYING AMOUNTS. AMOUNTS If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten [10] days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call us at: (000) 000-0000 or write to: F&M Bank, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call • Call us at: (000) 000-0000 0000, or write • Write to: F&M Bank, PO Box 1208, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after your call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call • Call us at: (000) 000-0000 0000, or write • Write to: F&M Bank, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.two

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (0-000) -000-0000 or write to: F&M BankFirst Fidelity Bank Attn: Customer Service P. 0. Box 32282 Oklahoma City, PO Box 1208, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000OK 73123-0000 0482 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after your you call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. set OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. THEFT If you believe your ATM card or debit card First Fidelity Check Card or PIN or internet banking access code has been lost or stolen, call us at: (0-000) -000-0000 (24 hours a day) or write to: F&M BankFirst Fidelity Bank Attn: Customer Service PO Box 32282 Oklahoma City, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 OK 73123 OR Email information to: xxxxxxxxxxx@xxx.xxx You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. CONSUMER LIABILITY. LIABILITY Tell us at once if you believe your ATM card First Fidelity Check Card or debit card PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been bean made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card First Fidelity Check Card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card First Fidelity Check Card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card First Fidelity Check Card or PIN and we can prove we could have stopped someone from using your ATM card or debit card First Fidelity Check Card or PIN without your permission if you have had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer transfers you did not make, including those made by card, code code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty ({60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING FIRST FIDELITY CHECK CARD The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa® logo. These limits apply to unauthorized transactions processed on the Visa® Network. If you notify us about an unauthorized transaction involving your First Fidelity Check Card, and the unauthorized transaction took place on the Visa® Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your First Fidelity Check Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa@> Network, including ATM transactions. Your liability for unauthorized transactions with your First Fidelity Check Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under "Consumer Liability" above.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers transfer out of your account, you may stop any of the paymentspayment. To stop a payment, call Call us at: at (000) 000000)000-0000 or write to: F&M Bankto CBI Bank & Trust, PO Box 1208, 00 Xxxx Xxxx XxxxxxXX Xxx 000, Xxxxxxxxx, XX 00000-0000 00000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put out your request in writing and deliver it to us within in fourteen (14) days after your you call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or the company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3three(3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has had been lost or stolen, call Call us at: at (000000)000-0000(8:00 to 5:00) 000-0000 or Or write to: F&M Bankto CBI Bank & Trust, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx000, Xxxxxxxxx, XX 00000-0000 00000 You also call the number to write the address listed above if you believe a transfer has been made using the information from your check without your permission. CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2two(2) business days after you your learn of the loss or theft of your ATM card or debit card or of PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can could prove we could have of stopped someone from using your ATM card or debit card or PIN without your permission if you have had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer transfers you did not make, including those made by card, code code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money money, you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus account(plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the any money had you given us notice in time. If a good reason, reason (such as a long along trip or hospital stay) keeps you from giving the notice, we will extend the time periods. CONSUMER LIABLITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING DEBIT CARD. The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with MasterCard logo. These limits apply to unauthorized transactions processed on MasterCard Network. If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your MasterCard branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your credit from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss of theft to us. For commercial accounts, zero liability protection will only apply to transactions conducted with a card issued for a commercial purpose under a “small business” program as described on xxx.xxxxxxxxxxxxxxxxxx.xxx (information found under “small business”, then select the “products” tab). IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS. In case of errors or questions about your electronic fund transfers, Call us at (000) 000-0000, or write to: CBI Bank & Trust, XX Xxx 000, Xxxxxxxxx, XX 00000 Or use the current information on your most recent account statement. Notification should be made to us as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact CBI BANK & TRUST no later than 60 days after it sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: Your name and account number. A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. The dollar amount of the suspected error. If you provide oral notice you may be required to send in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for a new accounts) after we hear from you and we will correct any error promptly. If we need more time, however, we make take up to forty five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty(20)business days for new accounts)for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including for foreign initiated or Point of Sale transactions. We will tell you the results within three (3) 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. LIABITILY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. However, there are some exceptions. We will NOT be liable, for instance:  If through no fault of ours, you do not have enough money in your account to make the transfer.  If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communication facilities) prevent the transfer, despite reasonable precautions we have taken.  If we have terminated our AGREEMENT with you.  When your ATM card or debit card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  If we receive inaccurate or incomplete information needed to complete a transaction.  In the case of preauthorized transfers, we will not be liable where there is a breakdown of the type of system which would normally handle the transfer.  If the funds in the account are subject to legal action preventing a transfer to or from your account.  If the electronic terminal does not have enough cash to complete the transaction. There may be exceptions provided by applicable law. CHARGES FOR TRANSFERS OF THE RIGHT TO MAKE TRANSFERS PER TRANSACTION CHARGE. We may assess a fee for each preauthorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through the ATM card or debit card or otherwise. See the applicable schedule of fees to determine the amount of the charges. SCHEDULE OF FEES. The schedule of fees referred to above is being provided separately and is incorporated into this document by reference Additional copies of the schedule may be obtained from CBI BANK& TRUST upon request. DISCLOSURE OF ACCOUNT INFORMATION. We will disclose information to third parties about your account or electronic fund transfers made to your account.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) 000-0000 or write to: F&M Bankcontact your local branch, PO Box 1208, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 address and phone numbers are at the end of this disclosure. We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may will require you to put your request in writing and deliver it to us within fourteen (14) days after your you call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call us at: (000) 000-0000 or write to: F&M Bank, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) -000-0000 or write to: F&M Bank, PO Box 1208, MANSFIELD BANK 00 Xxxxx Xxxx Xxxx Xxxxxx, Xxxxxx Xxxxxxxxx, XX 00000-0000 Xxxxxxxxxxxxx 00000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after you call. YOUR ABILITY TO STOP PAYMENT. Unless otherwise provided in our Agreement, you may not stop payment of electronic fund transfers, therefore, you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment. The initiation by you of certain electronic fund transfers from your callaccount will, except as otherwise provided in our Agreement, effectively eliminate your ability to stop payment of the transfer. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. THEFT If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call us at: (0-000) -000-0000 (8:30 AM - 4:00 PM (M-F)) or write to: F&M Bank, XX Xxx 0000, Mansfield Bank 00 Xxxxx Xxxx Xxxx Xxxxxx, Xxxxxx Xxxxxxxxx, XX 0000000000 Lost or stolen cards may be report at any time to 0-000-000-0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. CONSUMER LIABILITY. LIABILITY Tell us at once if you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen or used without permission or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn Your liability shall not exceed $50.00 for any unauthorized electronic fund transfer or a series of the transfers arising from a single loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer transfers you did not make, including those made by card, code code, or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was transmitted to you, you may not receive get back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason, reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods.. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING DEBIT CARD The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the MasterCard® logo. These limits apply to unauthorized transactions processed on the MasterCard® Network. If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your MasterCard ® branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. For commercial accounts, zero liability protection will only apply to transactions conducted with a card issued for a commercial purpose under a "small business" program as described on xxx.xxxxxxxxxxxxxxxxxx.xxx (information found under "Small Business", then select the "Products" tab). ILLEGAL USE OF DEBIT CARD. You agree not to use your debit card for any illegal transactions, including internet gambling and similar activities. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS In case of errors or questions about your electronic fund transfers, call us at: 000-000-0000 or write to: Mansfield Bank 00 Xxxxx Xxxx Xxxxxx Xxxxxxxxx, XX 00000 or use the current information on your most recent account statement. Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Mansfield Bank no later than 60 days after it sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: • Your name and account number. • A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you provide oral notice, you may be required to send in your complaint or question in writing within ten

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) 000000)000-0000 or write to: F&M BankXxxxxx Bank OPERATIONS DEPARTMENT P. O. BOX 520, PO Box 1208DUBLIN, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 GEORGIA 31040 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after your you call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten (10) days prior to the payment date of the amount to before each payment, when it will be deductedmade 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 precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call us at: (000) 000-0000 or write to: F&M Bank, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) 000000)000-0000 or BankIowa write to: F&M Bank, PO Box 1208, 00 000 000 Xxxxx Xx Xxxx Xxxx Xxxxxx, XxxxxxxxxXxxxxxxxxxxx, XX 00000-0000 00000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may will require you to put your request in writing and deliver it to us within fourteen (14) days after your you call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten (10) days prior to the payment date of the amount to before each payment, when it will be deductedmade 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 precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call us at: (000) 000-0000 or write to: F&M Bank, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers transfer out of your account, you may stop any of the paymentspayment. To stop a payment, call Call us at: at (000) 000000)000-0000 or write to: F&M Bankto CBI Bank & Trust, PO Box 1208, 00 Xxxx Xxxx XxxxxxXX Xxx 000, Xxxxxxxxx, XX 00000-0000 00000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put out your request in writing and deliver it to us within in fourteen (14) days after your you call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be de deducted from your fromyour checking or savings account and these payments vary in amount, you will be notified by the person or the company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead in stead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3three(3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR LOST OF THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has had been lost or stolen, call Call us at: at (000000)000-0000(8:00 to 5:00) 000-0000 or Or write to: F&M Bankto CBI Bank & Trust, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx000, Xxxxxxxxx, XX 00000-0000 00000 You also call the number to write the address listed above if you believe a transfer has been made using the information from your check without your permission. CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2two(2) business days after you your learn of the loss or theft of your ATM card or debit card or of PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can could prove we could have of stopped someone from using your ATM card or debit card or PIN without your permission if you have had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer transfers you did not make, including those made by card, code code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money money, you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus account(plus your maximum overdraft line of credit, if applicable), if we can prove pr ove that we could have stopped someone from taking the any money had you given us notice in time. If a good reason, reason (such as a long along trip or hospital stay) keeps you from giving the notice, we will extend the time periods. CONSUMER LIABLITY FOR UNAUTHORIZED TRANSACIONS INVOLVING DEBIT CARD. The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with MasterCard logo. These limits apply to unauthorized transactions processed on MasterCard Network. If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your MasterCard branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your credit from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss of theft to us. For commercial accounts, zero liability protection will only applyto transactions conducted with a card issued for a commercial purpose under a “small business” program as described on xxx.xxxxxxxxxxxxxxxxxx.xxx (information found under “small business”, then select the “products” tab).

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) -000-0000 or write to: F&M Bank, PO Box 1208, Stoughton Co-Operative Bank ACH Stop Payment Dept 00 Xxxx Xxxx Xxxxxx, X X Xxx 000 Xxxxxxxxx, XX 00000-0000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may will require you to put your request in writing and deliver it to us within fourteen (14) days after you call. YOUR ABILITY TO STOP PAYMENT. Unless otherwise provided in our Agreement, you may not stop payment of electronic fund transfers, therefore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment. The initiation by you of certain electronic fund transfers from your callaccount will, except as otherwise provided in our Agreement, effectively eliminate your ability to stop payment of the transfer. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. THEFT If you believe your ATM card or debit card DEBIT CARD or PIN or internet banking access code has been lost or stolen, call us at: (000) -000-0000 (8:30 AM - 4:30 PM (eastern)) or write to: F&M BankStoughton Co-Operative Bank ATM/Debit Card Dept 000 Xxxx Xxxxxx, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, 000 Xxxxxxxxx, XX 00000-0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. CONSUMER LIABILITY. LIABILITY Tell us at once if you believe your ATM card or debit card DEBIT CARD or PIN or internet banking access code has been lost or stolen or used without permission or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn Your liability shall not exceed $50.00 for any unauthorized electronic fund transfer or a series of the transfers arising from a single loss or theft of your ATM card or debit card DEBIT CARD or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer transfers you did not make, including those made by card, code code, or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was transmitted to you, you may not receive get back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason, reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods.. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING DEBIT CARD The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the MasterCard® logo. These limits apply to unauthorized transactions processed on the MasterCard® Network. If you notify us about an unauthorized transaction involving your DEBIT CARD, and the unauthorized transaction took place on the MasterCard® Network, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft, you must not have reported two or more incidents of unauthorized use within the preceding twelve (12) months, and your account must be in good standing. Your liability for unauthorized transactions with your DEBIT CARD that involve PIN-based transactions not processed by the MasterCard® Network, including ATM transactions, are described under "Consumer Liability" above. ILLEGAL USE OF DEBIT CARD. You agree not to use your DEBIT CARD for any illegal transactions, including Internet gambling and similar activities. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS In case of errors or questions about your electronic fund transfers, call us at: 000-000-0000(8:30 AM-4:30 PM) or write to: Stoughton Co-Operative Bank EFT Error Resolution Dept 000 Xxxx Xxxxxx, XX Xxx 000 Xxxxxxxxx, XX 00000-0000 or use the current information on your most recent account statement. Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact STOUGHTON CO-OPERATIVE BANK no later than 60 days after it sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: - Your name and account number. - A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. - The dollar amount of the suspected error. If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business da ys. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty business (20) days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. We will tell you the results within three (3) 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. LIABILITY FOR FAILURE TO COMPLETE TRANSACTION 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 as provided by law. However, there are some exceptions. We will NOT be liable, for instance: - If through no fault of ours, you do not have enough money in your account to make the transfer. - If the transfer would result in your exceeding the credit limit on your line of credit, if you have one. -If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. - If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. - If we have terminated our Agreement with you. - When your ATM card or DEBIT CARD has been reported lost or stolen or we have reason to believe that something is wrong with a transaction. - If we receive inaccurate or incomplete information needed to complete a transaction. - In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer. - If the funds in the account are subject to legal action preventing a transfer to or from your account. - If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS The following fees and charges may be imposed on your Checking or Statement Savings account(s). ATM/POS Activity Charge* (Non SCB ATM) $3.00 *Foreign ATM - First 4 free per statement cycle DISCLOSURE OF ACCOUNT INFORMATION You agree that merchant authorization messages transmitted in connection with Point of Sale transactions are permissible disclosures of account information, and you further agree to release STOUGHTON CO-OPERATIVE BANK and hold it harmless from any liability arising out of the transmission of these messages. We will disclose information to third parties about your account or electronic fund transfers made to your account:

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call  Call us at: (000) 000-0000 0000, or write  Write to: F&M Bank, PO Box 1208XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after your call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call  Call us at: (000) 000-0000 0000, or write  Write to: F&M Bank, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.two

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) -000-0000 or write to: F&M Bank, PO Box 1208, Stoughton Co-Operative Bank ACH Stop Payment Dept 00 Xxxx Xxxx Xxxxxx, X X Xxx 000 Xxxxxxxxx, XX 00000-0000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please pl ease have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you callc all, we may will require you to put your request in writing and deliver it to us within fourteen (14) days after you call. YOUR ABILITY TO STOP PAYMENT. Unless otherwise provided in our Agreement, you may not stop payment of electronic fund transfers, therefo re you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop pay ment. The initiation by you of certain electronic fund transfers from your callaccount will, except as otherwise provided in our Agreem ent, effectively eliminate your ability to stop payment of the transfer. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date dat e of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will wil l be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. THEFT If you believe your ATM card or debit card DEBIT CARD or PIN or internet banking access code has been lost or stolen, call us at: (000) -000-0000 (8:30 AM - 4:30 PM Eastern Time) or write to: F&M Bank, Stoughton Co-Operative Bank ATM/Debit Card Dept 000 Xxxx Xxxxxx XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, 000 Xxxxxxxxx, XX 00000-0000 You should also call the number or write to the address listed above if you believe a transfer has been made using the inform ation from your check without your permission. CONSUMER LIABILITY. LIABILITY Tell us at once if you believe your ATM card or debit card DEBIT CARD or PIN or internet banking access code has been lost or stolen or used without permission or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn Your liability shall not exceed $50.00 for any unauthorized electronic fund transfer or a series of the transfers arising from a single loss or theft of your ATM card or debit card DEBIT CARD or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer transfers you did not make, including those made by card, code code, or other means, tell us at onceonce . If you do not tell us within sixty (60) 60 days after the statement was transmitted to you, ; you may not receive get back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), 60 days if we can prove that we could have stopped someone from taking the money if you had you given told us notice in time. If a good reason, reason (such as a long trip or a hospital stay) keeps kept you from giving the noticetelling us, we will extend the time periods.. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING DEBIT CARD The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the MasterCard® logo. These limits apply to unauthorized transactions processed on the MasterCard® Network. If you notify us about an unauthorized transaction involving your DEBIT CARD, and the unauthorized transaction took place on the MasterCard® Network, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero-liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft, you must not have reported two or more inciden ts of unauthorized use within the preceding twelve (12) months, and your account must be in good standing. Your liability for unauthorized transactions with your DEBIT CARD that involve PIN-based transactions not processed by the MasterCard® Network, including ATM transactions, are described under "Consumer Liability" above. ILLEGAL USE OF DEBIT CARD. You agree not to use your DEBIT CARD for any illegal transactions, including Internet gambling and similar activities. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS In case of errors or questions about your electronic fund transfers, call us at: 000-000-0000(8:30 AM-4:30 PM) or write to: Stoughton Co-Operative Bank EFT Error Resolution Dept 000 Xxxx Xxxxxx, XX Xxx 000 Xxxxxxxxx, XX 00000-0000 or use the current information on your most recent account statement. Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact STOUGHTON CO-OPERATIVE BANK no later than 60 days after it sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: - Your name and account number. - A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. - The dollar amount of the suspected error. If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) busin ess days (twenty business (20) days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. We will tell you the results within three (3) 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. LIABILITY FOR FAILURE TO COMPLETE TRANSACTION 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 as provided by law. However, there are some exceptions. We will NOT be liable, for instance: - If through no fault of ours, you do not have enough money in your account to make the transfer. - If the transfer would result in your exceeding the credit limit on your line of credit, if you have one. -If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. - If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. - If we have terminated our Agreement with you. - When your ATM card or DEBIT CARD has been reported lost or stolen or we have reason to believe that something is wrong with a transaction. - If we receive inaccurate or incomplete information needed to complete a transaction. - In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer. - If the funds in the account are subject to legal action preventing a transfer to or from your account. - If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS The following fees and charges may be imposed on your Checking or Statement Savings account(s). ATM/POS Activity Charge* (Non SCB ATM) $3.00 *Foreign ATM - First 4 free per statement cycle DISCLOSURE OF ACCOUNT INFORMATION You agree that merchant authorization messages transmitted in connection with Point of Sale transactions are permissible disclosu res of account information, and you further agree to release STOUGHTON CO-OPERATIVE BANK and hold it harmless from any liability arising out of the transmission of these messages. We will disclose information to third parties about your account or electronic fund transfers made to your account:

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (000) 000000)000-0000 or write to: F&M Bank, PO Box 1208, 00 Xxxx Xxxx Independent Bank Customer Service Department 0000 X. Xxxxxxxx Xxx XX Xxxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 00000 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may will require you to put your request in writing and deliver it to us within fourteen (14) days after your you call. NOTICE OF VARYING AMOUNTS. If you have arranged for the automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten (10) days prior to the payment date of the amount to before each payment, when it will be deductedmade 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 precious previous payment, or when the amount would fall outside certain limits that you set. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses and or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM card or debit card or PIN or internet banking access code has been lost or stolen, call us at: (000) 000-0000 or write to: F&M Bank, XX Xxx 0000, 00 Xxxx Xxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000 CONSUMER LIABILITY. Tell us at once if you believe your ATM card or debit card or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN, you can lose no more than fifty dollars ($50) if someone used your ATM card or debit card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM card or debit card or PIN and we can prove we could have stopped someone from using your ATM card or debit card or PIN without your permission if you have given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfer you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason, (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.