Products & Services - Electronic Funds Transfer Disclosure

For purposes of this disclosure, our business days are any day other than Saturday, Sunday, or a legal bank holiday.

Available Transactions and Transfers

You may use your First State ATM card to:

• Make deposits to your checking or savings account
• Transfer funds between your checking and savings accounts
• Make limited withdrawals from your checking or savings account (Your maximum cash withdrawal will be specified upon delivery of the ATM card. Limit increases may be requested.)
• Determine your checking or savings balance
• Access your primary account to purchase goods and services at point-of-sale (POS) locations
  *Some of these services may not be available at all terminals.

You may use your First State Check card to:

• Complete the services listed above under ATM card
• Access your primary account to purchase goods from a merchant authorized to accept VISA transactions (Withdrawal limits will be specified upon delivery of the card. Limit increases may be requested.)

Documentation of Transfers

Terminal Transfers: You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amout of the transfer is $15 or less.

Direct Deposits: If you have arranged to have direct deposits to your account at least once every 60 days from the same person or company or have given the authorization to have your account debited, you can call us at 217-659-7776 to find out whether or not the transfer has been made.

Periodic Statements: Your transactions will be shown on your monthly or periodic statement.

Consumer Liability, Unauthorized Transfers

Tell us at once if you believe your First State ATM card or First State Check card has been lost or stolen. Telephoning is the best way to reduce your losses. If you tell us within two (2) business days after you learn of the loss or theft, your liability will be zero if someone uses your card without your permission. After that time period, your liability will be capped at $50.00.

If you do not tell us within two (2) business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, your liability could be much greater.

Consumer liability for fraudulent debit card transactions is zero. This does not include PIN-based transactions at SHAZAM ATM or POS terminals.

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 the transaction from taking place if you had told us in time. If a good reason prevents your contacting us, the time periods may be extended.

If you believe your First State ATM or Check card has been lost or stolen or that an unauthorized transfer from your account has occurred or may occur, you should call or write us at First State Bank of Western Illinois, PO Box 507, LaHarpe, IL 61450, or call LaHarpe (217) 659-7776, Carthage (217) 357-3112, Macomb (309) 837-3935, Hamilton (217) 847-6675, Blandinsville (309) 837-3935, or Monmouth (309) 734-9447. If you are unable to reach us at one of these numbers, please call Illinois Transfer Systems (ITS) at 800-383-8000 to report a lost or stolen card.

Use of PINs and ATMs

The First State ATM card and Personal Identification Number (PIN) are provided for your use and protection. You should secure them at all times and not permit anyone else to use them. Do not record your ATM or Check Card PIN on the card, or otherwise disclose this PIN or the PIN for Ez Access Telephone Banking to anyone else. Use the PINs and ATM only as instructed and for the purposes authorized by us. Do not make or permit any unauthorized use thereof.

Use of Ez Access Telephone Banking

You may access your account(s) by telephone at 800-789-7309 using your account numbers, and social security number of the primary owner (first time).

Use of Ez Access Online Banking

You may apply for Internet banking at www.fsbwi.com. There is no fee for basic Internet banking. You may apply for Internet bill pay. Bill pay services are free of charge. A complete disclosure is provided online during the application process.

Our Liability

If we do not properly 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. However, there are some exceptions. We will not be liable, for instance, if:

• Through no fault of ours your account has insufficient funds.
• The funds are subject to legal process or other encumbrance restricting the transfer.
• The ATM has insufficient cash to complete the transaction.
• If the system was not working properly and you knew about the breakdown when you started the transfer.
• There may be other exceptions.

Disclosure of Information to Third Parties

We will not disclose information to third parties about your account or transfers you make except:

• Where it is necessary for completing transfers.
• To verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
• In order to comply with a government agency or court order.
• In accordance with your written permission.

Error Resolution Procedures

Contact us at First State Bank of Western Illinois at one of our branches listed above 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 you the initial statement on which the problem or error appeared.

• Tell us your name and account number.
• 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.
• 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 ten (10) business days.

We will tell you the results of our investigation within ten (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 45 days to investigate your complaint or question. If we decide to do this, we will re-credit 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 ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account.

If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Stop Payment of Pre-Authorized Transfers

If you notified us in advance to make regular payments out of your account, you can stop any of these payments. You must give us the exact amount of your payment in order to stop payment.

Call us or write us in time for us to receive your request (3) 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 fourteen (14) days after you call.

Fees Associated with a First State ATM Card or First State Check Card

• Withdrawals made at ATM locations other than First State - $.50 each
• ATM card replacement - $5
• First State Check card replacement - $5
• First State Check PIN replacement - $5
• A $15 recapture fee may apply
• All fees attached to your primary and secondary accounts will apply

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.

ATM Safety Tips

Automated Teller Machines provide convenient access to your accounts at a variety of locations 24 hours a day. However, it is important to remember that your personal safety and the integrity of your accounts are our primary concern. Please insure your personal safety and prevent fraudulent access to your account by reviewing the following tips:

• Be aware of the surroundings when using an ATM, particularly during the hours of darkness. If possible, be accompanied by another person during these hours.
• Refrain from displaying cash. Put your card, receipt, and cash away before leaving and recount in a safe place.
• Use another ATM or return at a later time if anything suspicious is noted when using or considering to use an ATM.
• Report all crimes immediately to the operator of the ATM and/or the local law enforcement.
• Do not leave your card or receipts at the ATM.