InsBank

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InsBank
Ambulo, Inc
InsBank Finance, Inc.
Finworth Mortgage, LLC
PRIVACY POLICY

The InsBank Privacy policy applies to the bank and following companies which are wholly owned subsidiaries:
Ambulo, Inc.,
InsBank Finance, Inc.
Finworth Mortgage, LLC

At InsBank and at the bank’s subsidiary companies (hereafter collectively referred to as the “Company”), we are committed to protecting the information you provide to us. This includes information that we receive from your online communications with us, such as your visits to our web sites and your transactions through the Internet, and other electronic services we provide. We want you to know how we collect information about you and how we use it. We also want to assure you that we will always respect your privacy and the confidentiality of personal information about you. This policy will also let you know how you may request us to correct any erroneous information we may have. This policy applies equally to active and inactive customers as well as to former customers.

Collection, Use, and Retention of Your Information
The Company collects, uses and retains information about you only when we reasonably believe that the information is necessary to conduct our business properly, provide excellent service to you and to offer you additional products and services. We will tell you why we collect and retain certain information upon request.

Maintaining the Accuracy of Your Information
The Company is committed to maintaining the accuracy of your information. We educate our employees and establish procedures to assure that records of your financial transactions are accurate, current and complete in accordance with reasonable industry standards. If you become aware of any inaccurate information contained in our records, you should contact us at the toll-free number (1-866-866-2265) and we will undertake to investigate any inaccuracy and to correct it as promptly as possible. You are also entitled to request a copy of your credit report from credit reporting agencies and to have credit reporting agencies investigate and correct any inaccuracies contained in their reports.

Protection and Confidentiality of Nonpublic Personal Information
The Company educates its employees about the critical importance of confidentiality and customer privacy. We take appropriate disciplinary action, if required, to enforce this responsibility among our employees. Access to customer information is only provided to those employees with a valid reason for knowing such information for us to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Categories of Nonpublic Personal Information We May Collect
When appropriate in conducting business, we may collect “nonpublic personal information” about you from a variety of sources:

“Nonpublic personal information” is information that is not available publicly and that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history. We limit our collection of information to that which we believe is necessary to conduct our business properly, provide excellent service to you and to offer you additional products and services that we believe may be of interest to you.

Restriction on the Disclosure of Account Information
The Company does not disclose nonpublic information about you to anyone, except to consummate your transaction or in the performance of bona fide corporate due diligence, unless;

Restrictions that Protect Your Privacy in Third Party Business Relationships
It is sometimes necessary to provide your information to a third party such as a vendor or service provider that we engage to provide you with services. The Company insists that the third party adhere to strict guidelines for keeping your information confidential.

Privacy on Our Web Site
We appreciate that both customers and those just visiting our web sites have special concerns about the privacy of their nonpublic personal information on the Internet. The privacy policy of the Company described above applies fully to all communications and transactions between you and us on the Internet. We also want you to know we have taken steps to provide for the safety and security of your information while communicating with us on the Internet. The Company, like any web site owner, may collect and store information about the name of the domain from which you access the Internet, the date and time your access our site and the Internet address of the web site from which you linked to us. We may also collect information on visitors in the aggregate to enable us to tell which areas of the site are of the most interest to our users, which areas of site promotion are most effective, and when peak usage occurs.

E-Mail Privacy
The Company‘s web sites do not require you to disclose any personal information. If, however, you elect to contact us via e-mail, please be aware that your e-mail address, and any other information your e-mail header shows about you, such as your name or business, will be visible to us in the e-mail. When you communicate with us by e-mail, we will only use your e-mail information for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are required to do so by law.

The Company reserves the right to change this policy at any time by issuing a new privacy policy.

Please read the following disclosure carefully, it contains important information concerning your ATM/Debit 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:

If, through no fault of ours, you do not have enough money in your account to make the transfer.

If the transfer would go over the credit limit on your overdraft line.

If the automated teller machine where you are making the transfer does not have enough cash.

If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

If circumstances beyond our control (for example fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

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. During business hours the number to call is 1-866-866-2265, during non-business hours the number to call is 1-866-546-8273 to report a lost or stolen ATM/Debit Card. 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 your 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 no 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 or if you believe that an electronic funds transfer has been made without your permission using information from your check, tell us at once. If you do not tell us within 60 days after the statement was sent 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 DEBIT CARD
When the Visa Debit 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 debit 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 settles 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 or write:

Toll-free:
1-866-866-2265

After hours ATM/Debit card lost/stolen telephone number: 1-866-546-8273

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

Email:
DepositServices@insbanktn.com

Facsimile:
615-515-2285

BUSINESS DAYS
For purposes of these disclosures, our business days are (Monday through Friday, 8:00 AM to 5:00 PM CDST), excluding federal holidays or days for which notice has been posted that the Bank will be closed.

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

Where it is necessary for completing transfers, or

In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or

In order to comply with government agency or court orders, or

If you give us your written permission.

ERROR RESOLUTION
In case of errors or questions about Electronic Transfers, contact us via telephone at 866-866-2265, email at DepositServices@insbanktn.com, facsimile at 615-515-2285 or U.S. mail 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.

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 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 3 business days after completing our investigation. If we decide that there was not an error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

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/Debit Card.

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

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

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

You may access your checking account(s) with your debit 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 debit card

If your ATM transaction volume exceeds five (5) per month, a fee of $1.50 will be charged for each additional transaction.

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

You receive a receipt at the time you make any transfer to or from your 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 1-866-866-2265, 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 14 days after you call. We will charge you $25 for each stop-payment order you give.

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.

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:

Please read our Funds Availability before clicking the apply button below.

YOUR AVAILABILITY TO WITHDRAW FUNDS

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposit will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before (3:00 p.m. Central Standard Time) on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after (3:00 p.m. Central Standard Time) or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $100 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

Truth in Savings Disclosure This disclosure contains information about terms, fees, and Interest rates for accounts we offer.

Interest rates are tiered to increase your earnings when accounts are consolidated. All collected funds in your account earn at a blended rate based upon the applicable balance tier.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Board. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees: A service charge of $8.00 per month will be waived if a minimum balance of $1,000.00 is maintained in the Personal Interest Checking Account or if an average balance of $2,000.00 is maintained in the Personal Interest Checking Account or if a minimum $5000.00 is maintained in combined balances in all deposit accounts.

The Personal Checking Account is a non-interest bearing account designed for convenience at a reduced fee.

Account Fees: A monthly service charge of $8.00 may be waived if a $500.00 minimum balance is maintained.

Interest rates are tiered to allow higher rates of return as your balances increase. All collected funds in your account earn at a blended rate based upon the applicable balance tier.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Additional withdrawals are $10.00 each. Excessive withdrawals may require that the account be closed. The service charge of $10.00 per month may be waived by maintaining a $2,500.00 minimum balance.

Important Information About Your Checking Account
Substitute Checks and Your Rights

What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with “substitute checks”. These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states; “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substituted checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest of the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at Research Department, 2505 21st Ave. South, Ste. 204, Nashville TN 37212, (615) 515-2265. You must contact us within 40 calendar days of the date we mailed (or otherwise delivered by a means to which you agreed) he substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include:

A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);

An estimate of the amount of your loss;

An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and

A copy of the substitute check and the following information to help us identify the substitute check: identifying information for example the check number, the name of the person to whom you wrote the check, and the amount of the check.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all banks to obtain, verify, and record information that identifies each person who opens an account.

What that means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

In all cases, protection of our customer’s identity and confidentiality is the Bank’s pledge to you.

Fair Credit Reporting

In order to comply with regulations, if applicable, InsBank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

FDIC Transaction Account Guarantee Program (TAGP)

InsBank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.