The following is an agreement between you and American Bank & Trust (the “Bank”) covering TransFund Card(s) and Check Card(s), (“Card(s)”). Please read this disclosure carefully because it tells you your rights and obligations for those transactions. You should keep this notice for future reference.

(1) CARDHOLDER’S LIABILITY Telephone American Bank & Trust AT ONCE if your Card(s) and/ or code has been lost or stolen, then confirm your call with a letter.
a. If you notify us of the lost or stolen Card(s) and/or code within two business days, your loss is limited to no more than $50 if someone uses your Card(s) without your permission.
b. If you DO NOT notify us within two business days after you learn about the loss or theft of your Card(s) and/or code, you could lose as much as $500. Once a card is reported lost or stolen, our automatic tellers will disregard transactions if someone attempts to use it.
c. Please review your account statements carefully. If you do not notify us within 60 days after the
statement mailing date you may not be reimbursed for the withdrawal after 60 days.
d. NOTIFICATION PROCEDURES: If your Card(s) and/or code has been lost, stolen, or an unauthorized transfer has taken place, call American Bank & Trust at (918) 481-3000 and/or write Customer Service Department, American Bank & Trust, P.O. Box 3339, Tulsa, OK 74101-3339.
Additional Limit on Liability for Visa Check Card: 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(s). This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by Visa, or to commercial cards.
BUSINESS DAYS AND HOURS TO REPORT PROBLEMS: American Bank & Trust’s business days are Monday through Friday, 9:00 am to 4:30 pm, excluding holidays.

(2) TYPES OF TRANSFERS For those accounts associated with your Card(s), you may use your Card(s) at Terminals to:
a. Withdraw cash from checking and savings accounts
b. Make deposits to checking and savings accounts
c. Transfer funds between checking and savings accounts upon request
d. Inquire as to the amount of your available balance
e. Pay for purchases from merchants who have agreed to accept the Card(s) for that purpose
Some of these services may not be available at all Terminals.

(3) LIMITATIONS ON TRANSACTIONS You may withdraw a maximum of $500 or your account balance (whichever is less) from an Automated Teller Machine (ATM) per Card, per day.
You may use your Check Card(s) to pay for goods and services at retail locations (point-of-sale) displaying the Visa symbol. We will charge against your account all purchases and withdrawals made with your Card(s). The use of your Card(s) to purchase goods and services will constitute a simultaneous withdrawal from and/or demand from, your primary checking account. You cannot place a stop payment on any transaction made with your Check Card.
In addition to the limits on cash withdrawals at Terminals, you may use your Check Card to purchase goods and services each day up to the established limit or up to the available balance in your account, whichever is less. If your account has been established for less than 6 months, your maximum limit will be $300. If your account bas been established for longer than 6 months, your maximum limit will be $1,000.
Illegal Use: You agree that you will not use and will not permit anyone else to use the card unlawfully, for any illegal purpose, activity or transaction.

(4) DOCUMENTATION You will get a receipt documenting the transaction at the time you make any transfer to or from your account using a Terminal or make a purchase with your Check Card. Your regular checking and savings account statements also indicate transactions made with the Card(s).

(5) DISCLOSURE OF CHARGES Fees assessed to your account will include:
VISA CHECK CARD MONTHLY FEE (per card)………………….…………………………………FREE
ATM CARD MONTHLY FEE (per card)……………………………………………….……………...FREE
ATM WITHDRAWAL FEE…………………...………………………………………………………..FREE
ATM CIRRUS ACCESS………………………………………………………………………………...$1.00
REPLACEMENT CARD FEE…………………………………………………………………………..$5.00
NOTICE REGARDING ATM FEES BY OTHERS If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.
The Bank reserves the right to make future changes in account and/or Card(s) service charges, subject to our giving you notice as required by law.

(6) STOP PAYMENTS Upon the instruction of the customer that transactions are not to be honored, the Bank will issue a stop-payment order so that any transaction effected after a reasonable amount of time will not be honored. All such instruction orders will be in writing and pursuant to normal Bank stop-payment policy procedures and charges. You cannot place a stop payment on a Card transaction.

(7) ERROR RESOLUTION In case of errors or questions about your electronic transfers call American Bank & Trust at (918) 481-3000, or write to us at American Bank & Trust, ATTN: Customer Service, P.O. Box 3339, Tulsa, OK 74101-3339 as soon as you can after you receive your statement. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Include the following:
a. Tell us your name and account number (if any).
b. 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.
c. Tell us the dollar amount of the suspected error.
If you tell us orally, we will 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 error involves an EFT made during the first (30) days after the first deposit to an account was made) 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 transfer involved a point-of-sale debit card transaction, a foreign initiated transfer or an EFT made during the first 30 days after the first deposit to an account is made) 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 error involves an EFT made during the first 30 days after the first deposit to an account was made) 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 no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
NOTE: Special time periods for point-of-sale transfers: In case of errors or questions about point-of-sale transactions using your Check Card, call or write us. We will tell you the results of our investigation within 5 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 90 days to investigate your complaint or questions; however, if we decide to do this we will credit your account within 5 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 decide that there was no error, we will send you a written explanation within 3 business days after we complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not credit your account.

(8) BANK’S LIABILITY The Bank may be liable to the customer for all damages caused by the Bank’s failure to make a transfer pursuant to your instruction except where:
a. Customer’s account has insufficient funds to complete the transfers.
b. The funds are subject to legal or other encumbrance.
c. The Terminal has insufficient funds to complete the transfer.
d. Federal Reserve Board, Federal Deposit Insurance Corporation or state banking regulations might
prohibit such transfers.
The Bank may be liable for damages where it failed to properly credit deposits subject to the normal policies and procedures of the Bank. However, in no circumstances shall the Bank be liable for any damages where the error or failure is beyond our control (such as fire, flood or tornado) and the Bank exercised due care, or where a technical or mechanical malfunction was known to the customer. Also, in the case of any error or malfunction which was not intentional on the part of the Bank and resulted in a good-faith error, the Bank’s liability is limited only to actual damages proved.

(9) DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES We will disclose information to third parties about your account or the transfers you make
a. Where it is necessary for completing transfers; or
b. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
c. In order to comply with government agency or court orders; or
d. If you give us your written permission.

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