What is a SHAZAM® Chek Card, and why should I get one?

Our Card Goes Beyond Conventional Checking
Most checkbooks can only do one thing - checking. Our SHAZAM® Chek Card does this and much more.
SHAZAM® Chek Card gives you a faster, more economical, more convenient way to buy the products and services
you need. That's because it allows you to withdraw funds from your checking account without ever having to write
out a check. You can purchase groceries, gas, or anything else wherever Debit MasterCard® is accepted. Plus,
SHAZAM® Chek Card performs all the functions of an automated teller machine (ATM) card. It's the checking-
withdrawing-and-transferring-funds card all in one.

Fast and One-Step Easy
Forget having to round up your checkbook, a pen, and two forms of identification. With SHAZAM® Chek Card,
every purchase is a simple as using a credit card.

Worry-Free When You're Out-of-Town
No need to worry about getting your checks cashed out of town. Because SHAZAM® Chek Card is accepted
whereverDebit MasterCard® is, you'll be welcomed like a local every place you travel.

Provides All the Advantages of an ATM Card
Need to withdraw or transfer funds? No problem. SHAZAM® Chek Card gives you access to all these services
whenever you need them.

Economical and Ecological
Eliminate the need to purchase checks (and the risk of running out when you're at the checkout). SHAZAM®
Chek Card saves money in check printing fees while it saves valuable resources.

Safeguarded if Lost or Stolen
When you receive your SHAZAM® Chek Card, you'll also be assigned a personal identification number (PIN).
It provides security against someone making purchases without your consent. For additional security, you also
havethe options of having your photo and signature imprinted on the front of your card and enrolling in MasterCard®
Secure Code™.

SecureCode is a service that helps protect MasterCard card accounts against unauthorized Internet transactions
by using identity information established between an individual cardholder and his or her financial institution.
Exchange National Bank, in conjunction with SHAZAM® and Arcot Systems, is providing this service to you to
improve the security of payment transactions in the electronic commerce environment. Once you activate
SecureCode, your card cannot be used at a participating Internet merchant without authentication by an authorized
user of your account. You will find SecureCode easy to use. When you enroll in SecureCode and then use your
MasterCard card for an Internet purchase at a participating merchant, a window displays requesting your password
in much the same way you enter a PIN during a face-to-face transaction. After you enter your password, the
information is authenticated and then the transaction is submitted to your financial institution for authorization.

Just Like Balancing Your Checkbook
Every month in which a transaction is completed, you'll receive an account statement that includes the date,
location, and amount of every transaction you've made.

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How can I apply for a card?
Complete a downloaded application and return it to us, or call us at 620-273-6389. After you've submitted the application,
you can expect your SHAZAM® Chek Card to arrive within 2 weeks of your approval. Your PIN will be sent to you in a
separate mailing. Before you know it, you'll be experiencing all the benefits of checkless, ATM checking with one simple
card. For added security and ease of use, consider having your photo and signature imprinted on the front of your card.
We can provide this service at the bank for no charge.

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What are the associated rights & responsibilities of electronic funds transfers?
Indicated below are types of electronic funds 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 obligations for the
transactions listed.

~ ATM Transfers
~ SHAZAM® Chek Card Transactions
~ Fees
~ Documentation
~ Financial Institution's Liability
~ Confidentiality
~ Unauthorized Transfers
~ Error Resolution Notice
~ Notice of ATM/Night Deposit Facility User Precautions

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ATM Transfers
You may access your account(s) by ATM using your SHAZAM® Chek Card and your personal identification
number to do the following:

~ Get cash withdrawals from checking account(s) or savings account(s) with a debit card
~ Transfer funds from checking to savings or savings to checking account(s) with a debit card
~ Get information about the account balance of your checking or saving account(s) with a debit card

Note that your daily dollar limit will be disclosed upon card issuance, and there is a charge of $1.00 per withdrawal
at ATMs we do not own or operate. Also, some of these services may not be available at all terminals.

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SHAZAM® Chek Card Transactions
You may use your SHAZAM® Chek Card to access your checking account to do the following:

~ 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
~ Use our Debit MasterCard® everywhere MasterCard® Debit cards are accepted

Note that your daily dollar limit will be disclosed upon card issuance.

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Fees
Fees associated with use of your SHAZAM® Chek Card are as follows:

~ There is a charge of $1.00 per withdrawal at ATMs we do not own or operate.
~ We will charge you $10.00 to replace a debit card/PIN.

See also ENB's fee schedule.

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Documentation
This will come in the form of terminal transfers and periodic statements:

~ Terminal transfers: You can get a receipt at the time you make any transfer to or from your account using
one of our ATMs or point-of-sale terminals.
~ Periodic statements: You will get a monthly account statement from us for your checking accounts.
Any ATM transactions on your savings account will appear on your monthly checking account statement.

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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, in the following situations:

(1) If, through 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 ATM 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 in the following situations:

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

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Unauthorized Transfers
General consumer liability: If you believe your card and/or code has been lost or stolen, call SHAZAM® at once
at 800-383-8000. This is the best way to keep your possible losses down. You could lose all of the money in your
account (plus your maximum overdraft line of credit).

If you believe your card and/or code has been lost or stolen, and you report it within 4 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 report it within 4 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 reported it,
you could lose as much as $300.

Also, if your statement shows transfers that you did not make, report that at once too. If you do not report it 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 reported it in time.

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

Additional limits on liability for the SHAZAM® Chek Card when it is used for point-of-sale transactions:
You will not be liable for any unauthorized transactions using your lost or stolen SHAZAM® Chek Card, when used
for point-of-sale transactions, if you report the loss or theft of your card within 2 business days of when you discover
the loss or theft of the card. If you do NOT report it 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.

Contact in the 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 SHAZAM®
at 800-383-8000.

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Error Resolution Notice
In case of errors or questions about your electronic transfers, call or write us at the telephone number or address
listed at the bottom of this page 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. Include the following information in
writing (if you tell us orally, we may require that you send us your complaint or question in writing within 10
business days):

(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.

We will determine whether an error occurred within 10 business days (5 business days if the transfer involved a
point-of-sale transaction and 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 (5 business days if the transfer
involved a point-of-sale transaction and 20 business days if the transfer involved a new account) 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. 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.

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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 your
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 your 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 your ATM card or PIN over the
telephone. Don't write your PIN where it can be discovered. For example, don't keep a note of your 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 disclosures 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 consider using another ATM
or coming back later.
(12) Don't display your cash; pocket it 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 sure all the car doors are locked and all of the windows are 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 problem with a facility. For instance, 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.

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Exchange National Bank
P.O. Box 310
Cottonwood Falls, Kansas 66845-0310
620-273-6389

Business Days: Monday through Friday
Excluding Federal holidays

More detailed information is available on request

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