ELECTRONIC FUND TRANSFERS

Please read the following disclosure carefully, it contains important information concerning your ATM card and Check card. This information details the types of transactions permitted with your card and your rights and obligations where the card is concerned. Please keep this information for future reference.

FINANCIAL INSTITUTION'S LIABILITY
If we do not complete a transfer to or from you 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:

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

CONSUMER LIABILITY
Tell us at once if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than the lesser of $50 or the amount of the unauthorized transfer if someone used your card and/or code without your permission. (If you believe you card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose not more than $50 if someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

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

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

ADDITIONAL LIMITS ON LIABILITY FOR VISA CHECK CARD
When the Visa check card is used for point-of-sale transactions there are additional limits and liabilities. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen check card, when used for point-of-sale transactions, if you report the loss or theft of the card within 2 business days of when you discover the lost or theft of the card. If you do NOT tell us within 2 business days, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us.

CURRENCY CONVERSION
When you use your card at a merchant that settle in currency other than US dollars the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a government mandated rate or the wholesale market rate in effect the day before the processing date, increased by 1%.

ADVISORY AGAINST ILLEGAL USE
You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example an on-line merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

WHO TO CONTACT IN THE EVENT OF UNAUTHORIZED TRANSFER
If you believe you card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

Toll-free: 1-866-866-4268

Write: InsBank 2505 21st Avenue South Suite 204 Nashville, TN 37212

BUSINESS DAYS
For purposes of these disclosures, our business days are (Monday through Friday), excluding Federal Holidays.

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

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

ERROR RESOLUTION
In case of errors or questions about Electronic Transfers, Telephone us at (1-877-499-4268) or write us at (InsBank, 2505 21st Avenue South, Suite 204, Nashville, TN 37212) as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days 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 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 10 business days, we may not credit your account.

We will tell you the results within three business days after completing our investigation. If we decide that there was not error, we will send you a written explanation.

ATM TRANSFERS

You may access your accounts with your ATM card by using your ATM personal identification number (PIN). The following are the types of transfers you can make along with their dollar limitations and charges.

Get cash withdrawals from Personal Checking or Personal NOW account (s) with an ATM/Check Card

• You may withdraw no more than $300.00 per business day
• InsBank will absorb the cost of up to five (5) transactions per statement cycle for transactions made at ATMs not owned or operated by InsBank.

Transfer funds from Personal NOW to Personal Checking account(s) with an ATM/Check Card

• InsBank will absorb the cost of up to five (5) transactions per statement cycle for transactions made at ATMs not owned or operated by InsBank.

Transfer funds from Personal Checking to Personal NOW account(s) with an ATM/Check Card

• InsBank will absorb the cost of up to five (5) transactions per statement cycle for transactions made at ATMs not owned or operated by InsBank.

Get information about the account balance of your Personal checking and Personal NOW account(s)

• InsBank will absorb the cost of up to five (5) inquiries per statement cycle for transactions made at ATMs not owned or operated by InsBank.

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

CHECK CARD

You may access your checking account(s) with your check card to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a credit card can do (that a participating merchant will accept with a credit card).

Limitations
Point of sale transactions and charges using your card: You may not exceed $1,000 in transactions per day with your check card

Fees
There will be a $3.00 charge for a lost ATM/Check Card.

Documentation
You will get a monthly statement from us for your Personal checking and Personal NOW Account(s).

You get a receipt at the time you make any transfer to or from you account.

Preauthorized Payments
If you have told us in advance to make regular payments out of your account, you can stop any of these payments, Here’s how:

Call us at (1-877-499-4268), 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 our request in writing and get it to us within 14 days after you call. (We will charge you $10 for each stop-payment order you give.)

Liability for failure to stop payment of preauthorized transfer

If you order us to stop one of these payments 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.

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NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. For you own safety, be careful. The following suggestions may be helpful:

1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
3. Compare your records with the account statements you receive.
4. Don't lend your ATM card to anyone.
5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
6. Protect the secrecy of you Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding you ATM card or PIN over the telephone. Don't write you PIN where it can be discovered. For example, don't keep a note of you PIN in your wallet or purse.
7. Prevent others from seeing you enter your PIN by using your body to shield their view.
8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosure you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
10. Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might want to consider using another ATM or coming back later.
12. Don't display your cash; pocket as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home or other secure surrounding.
13. At a drive-up facility, make user all the car doors are locked and all of the windows rolled up, except the driver's window, Keep the engine running and remain alert to your surroundings.
14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problems with a facility. For instance, k let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.