ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

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The Electronic Fund Transfer disclosure does not apply to any accounts other than consumer accounts, as defined by Regulation E.

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligation for the transactions listed. You should keep this notice for future reference.

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking account(s).

Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).

24 Hour Info Line Telephone Transfers – types of transfers-

You may access your account by telephone 24 hours a day at 1-877-202-0975 using your personal identification number, a touch tone phone, and your account numbers to:

                *transfer funds from checking to checking
                *transfer funds from checking to savings
                *transfer funds from savings to checking
                *transfer funds from saving to savings
                *get information about:

• the account balance of checking accounts
• the last three deposits to checking accounts
• the last three withdrawals from checking accounts
• the account balance of savings accounts
• the last three deposits to savings accounts
• the last three withdrawals from savings accounts

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ATM Transfers – types of transfers and dollar limitationsYou may access your account(s) by ATM using your card and personal identification number (P.I.N.) to:

*get cash withdrawals from checking account(s) with an ATM or Debit card

• you may withdraw no more than $400.00 per day

*get cash withdrawals from savings account(s) with an ATM or Debit card

• you may withdrawal no more than $400.00 per day

*transfer funds from savings to checking account(s) with an ATM or Debit card
*transfer funds from checking to savings account(s) with an ATM or Debit card

*get information about:

• the account balance of your checking accounts with an ATM or Debit card
• the account balance of your savings accounts  with an ATM or Debit card

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

FEES- We do not charge for direct deposits to any type of account.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

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ATM Surcharges.  When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used to complete the transfer (and you may be charged a fee for a balance inquiry).

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DOCUMENTATION-

Terminal transfers. You can get a receipt at the time you make any transfer to or from your
                  account using one of our automated teller machines.

Preauthorized credits.  If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money.

Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person to company, you can call us at 1-800-446-1362 to find out whether or not the deposit has been made.

Periodic statement. You will get a monthly account statement from us for your checking accounts.

• You will get a monthly account statement from us for your savings account, unless there are no transfers in a particular month. In ay case, you will get a statement at least quarterly.

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PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this brochure 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.

Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.

Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you. 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 digger 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 make 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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FINANCIAL INSTITUTION’S LIABILITY

Liability for failure to make transfers. If we do not 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:

1. If, though no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
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 (such as 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.

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CONFIDENTIALITY

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

1. Where it is necessary for completing transfer; or
2. In order to verify the existence and condition of our 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 written permission.

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UNAUTHORIZED TRANSFERS

1. Consumer liability. Tell us AT ONCE if you believe your card and/or code has been list 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 credit). If you tell us within 2 business days, you can lose no more than $50.00 if someone used your card and /or code without your permission.
2. 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 $500.00
3. Also, if your statement shows transfers that you did nor make, tell is at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back your 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.
4. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Contact in event of unauthorized transfer. If you believe your 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 1-800-446-1362 or write us at P.O. Box 309  Durant, OK  74702

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ERROR RESOLUTION NOTICE

In case of Errors or Questions About Your Electronic Transfers, call 1-800-446-1362  or write us at P.O. Box 309  Durant, OK  74702, 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 (if any).
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 (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point -of -sale transaction, or a foreign initiated transfer) to investigate your complaint or question, If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have 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 our account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

I have read the above disclosure - OK

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