REGULATION E DISCLOSURES. The following is a summary of your rights, liabilities and obligations for consumer electronic fund transfers under the Consumer Financial Protection Bureau’s Regulation E. The following disclosures do not apply to business electronic fund transfers nor to electronic fund transfers initiated through Fidelity Bank Online Banking – we provide separate disclosures to our online banking customers.
REGULATION E DISCLOSURES. (Consumer Accounts) The following is a summary of your rights, liabilities and obliga- tions for consumer electronic fund transfers under the Consumer Financial Protection Bureau’s Regulation E. The following disclo- sures do not apply to business electronic fund transfers (which are governed by our Visa Business Check Card Agreement) nor to elec- tronic fund transfers initiated through Southern Online Banking – we provide separate disclosures to our online banking customers. Services Available We offer the following electronic fund transfer services in connec- tion with savings and checking accounts (including checking ac- counts which bear interest): • ATM Transactions ATM transactions normally require the use of your PIN. Some of the services may not be available at all ATM terminals. YoucanuseyourATMcardoryourVisaCheckCardatSouthernATMsto: — Withdraw cash from your account. — Make deposits to your account. — Transfer funds between your checking and savings ac counts. — Inquire as to the balance in your account. You can use your ATM card or your Visa Check Card at an ATM that we do not own or operate but which participates in one of several ATM networks in which we are a member (such as PLUS®, NYCE®, INTERLINK® or VISA®) to: — Withdraw cash from your account. — Inquire as to the balance in your account. • Debit Card Transactions Your ATM card and your Visa Check Card can be used as a debit card to purchase goods and services at any business that has agreed to accept debit cards and that displays the logos of networks in which we participate (e.g., PLUS®, NYCE® , INTERLINK® and Visa®. These card transactions normally require the use of your PIN. Your Visa Check Card can be used as a debit card to purchase goods and services at any merchant displaying the VISA logo. These debit card transactions do not normally require the use of your PIN. • Pre-Authorized Transfers You can arrange to: — Pay certain bills automatically from your account. — Receive certain automatic deposits to your account from other persons (for example, social security payments or payroll payments). — Transfer funds automatically between your checking and savings accounts.
REGULATION E DISCLOSURES. For Electronic Fund Transfers Not Involving Cards Revised February 27, 2023
REGULATION E DISCLOSURES. All capitalized terms not defined herein shall have the meanings ascribed to such terms in the Retail Deposit Account Agreement executed by and between you and us. Consumer Liability Tell us AT ONCE if you believe your debit card (“Card”) or your personal identification number (“PIN”) 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. You could lose all the money in the account you have designated as the principal account to be used in connection with your Card (the “Designated Account”) (plus your maximum overdraft line of credit). If you tell us within two (2) Business Days after you learn of the loss or theft of your Card or PIN, you can lose no more than fifty dollars ($50) if someone used your 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 Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as five hundred dollars ($500). Also, if your statement shows transfers that you did not make, including those made with your Card, your PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (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 periods stated above for a reasonable period, according to the circumstances of your case. 71
