ENB Debit Card: Disclosure Information for Electronic Funds Transfers

Indicated below are the types of electronic funds transfers we are capable of handling, some of which may not apply to your account, as well as an explanation of your rights and obligations for the transactions listed. Please read this disclosure information carefully.

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

ATM Transfers
You may access your account(s) by ATM using your ENB debit 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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ENB Debit Card Transactions
You may use your ENB debit 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 ENB debit 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 866-546-8273 anytime or call ENB during regular banking hours at 620-273-6389. 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 ENB debit card when it is used for point-of-sale transactions: You will not be liable for any unauthorized transactions using your lost or stolen ENB debit 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 866-546-8273 anytime or call ENB during regular banking hours at 620-273-6389.

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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 itis 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