2007-11-26_REVISION - M1987088 ‎(7)‎

• Permit No: M1987088
• IBM Index Class Name: Revision
• Doc Date: 11/26/2007
• Doc Name: SO approval
• From: DRMS
• To: Ted R Hubbs Family Trust
• Type & Sequence: SO4
• Email Name: KAP
• Media Type: D
• Archive: No

j 1
REGULATION E DISCLOSURE Page 3
(Continued)
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
We will tell you the results of our investigation within 10 business days 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 to investigate your complaint or question. If we decide to do this, we will recredit your account
within ten (10) business days 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 decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our
Investigation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves an electronic fund transfer that
was initiated in a foreign location, or is a point of sale debit card transaction, the applicable time periods for action shall be twenty (20) business days in
place of ten (10) business days, and ninety (90) calendar days in place of forty five (45) calendar days.
Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make:
To complete transfers as necessary;
To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
To comply with government agency or court orders; or
If you give us your written permission.
Personal Identification Number (PIN). The ATM PIN, POS PIN or Audio Response PIN issued to you is for your security purposes. The numbers are
confidential and should not be disclosed to third parties or recorded on the card. You are responsible for safekeeping your PIN(s). You agree not to
disclose or otherwise make your ATM PIN, POS PIN or Audio Response PIN available to anyone not authorized to sign on your accounts.
Notices. All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from
you will be effective when received by us at the address specified in this Agreement. We reserve the right to change the terms and conditions upon
which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law. Use
of this service is subject to existing regulations governing your account and any future changes to those regulations.
Enforcement. In the event either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any Account transaction,
the prevailing party shall be entitled to reasonable attorneys' fees and costs, including fees on any appeal, subject to any limits under applicable law.
Termination of ATM, POS and Audio Response Services. You agree that we may terminate this Agreement and your use of the ATM Card, POS or
Audio Response services, if:
` You or any authorized user of your ATM PIN, POS card or PIN or Audio Response PIN breach this or any other agreement with us;
` We have reason to believe that there has been an unauthorized use of your ATM PIN, POS card or PIN or Audio Response PIN;
` We notify you or any other party to your account that we have cancelled or will cancel this Agreement. You or any other party to your
account can terminate this Agreement by notifying us in writing.
Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the
rights and responsibilities of the parties under this Agreement for transactions initiated before termination.
Preauthorized Electronic Fund Transfers.
Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe
others, you may stop payment of preauthorzed transfer from your account. You must notify us orally or in writing at any time up to three (3)
business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within
fourteen (14) days of any oral notification. If we do require the written confirmation, the oral stop payment order shall cease to be binding fourteen
(14) days after it has been made.
Notice of Varying Amounts. If these regular payments vary in amount, the person you are going to pay is required to tell you ten (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 Transfers. If you order us to stop one of these payments three (3) business days or
more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
Other Provisions. There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our
Funds Availability Policy to determine the availability of the funds deposited at ATMs. We reserve the right to refuse any transaction which would draw
upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on
the account.
ATM SAFETY TIPS
As issuers of Automated Teller Machine (ATM) access devices, we have provided for your information a list of safety precautions regarding the use of
automated teller machines. Please read the following safety tips:
` Be aware of your surroundings, particularly at night.
` Consider having someone accompany you when the automated teller machine is used after dark.
It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction.
` Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in the safety of your car or home.
Consider using another automated teller machine or coming back later if you notice anything suspicious. If you are in the middle of a
transaction and you notice something suspicious, cancel the transaction, pocket your ATM access device and leave.
Go to the nearest public area where people are located if you are followed after making a transaction.
` Report all crimes to law enforcement officials immediately.
DEPOSIT PRO, Rap. U.S. Pat. & T.M. OFF., var.7.oac (c) 1906 CFI PruSarvlca, Inc. All Righu Raarvad. CO - K:\CFI%TIS%L771