ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l
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1 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may not be avaiabe at a terminas Pease read this discosure carefuy because it tes you your rights and obigations for these transactions You shoud keep this notice for future reference TYPES OF TRANSFERS FREQUENCY AND DOLLAR LIMITATIONS Make payments from (a) Prearranged Transfers Preauthorized credits You may make arrangements for certain direct deposits be accepted in your MAKE CREDIT CARD CASH ADVANCES checking and/or savings account(s) For security reasons: there are other imits on the number of Preauthorized payments You may make transfers you can make through our ATM terminas See ATM arrangements pay certain recurring bis from your information on page 5 checking and/or savings account(s) (d) PointOfSae Transactions Using your card: You may access your checking account (b) Teephone Transfers You may access your account(s) account(s) purchase by teephone at goods ( in person by phone by computer) using a uch ne phone your account numbers and pay for services ( in person by phone Persona Identifying Information : by computer) get cash from a merchant if the Transfer funds from checking savings merchant permits or from a participating financia Transfer funds from savings checking institution and do anything that a participating Transfer funds from MONEY MARKET merchant wi accept CHECKING You may not exceed more than $ $1000 in Transfer funds from MONEY MARKET SAVINGS Make payments from checking oan accounts Make payments from SAVINGS LOAN ACCOUNTS WITH US Make payments from GET LOAN AND FIRST RESERVE ACCOUNT(S) INFORMATION X GET CREDIT CARD INFORMATION AT (c) ATM Transfers You may access your account(s) by ATM using your CASHCARD OR CHECK & CASHCARD and persona identification number : Make deposits checking accounts Make deposits savings accounts Get cash withdrawas from checking accounts you may withdraw no more than $500 per DAY Get cash withdrawas from savings accounts you may withdraw no more than $500 per DAY Transfer funds from savings checking Transfer funds from checking savings Transfer funds from Make payments from checking account Account Number: (e) Computer Transfers You may access your account(s) by computer by visiting wwwfirstintbankcom Port Number: transactions per DAY X See PointOfSae Transactions on page 5 and using your : Transfer funds from checking savings Transfer funds from savings checking checking savings Make payments from checking oan accounts Make payments from savings a oan account Make payments from account numbers access ID and password Get oan and first reserve account information Authorize payments others through Bi Pay or Popmoney see genera imitations on page 2 Eectronic Fund Transfers Discosure Woters Bankers Kuwer Systems * Financia VMP Services 2014 Page 1 of 5 ETM2LAZ 10/18/2014
2 (f) Mobie Banking Transfers You may access your account(s) by webenabed ce phone by going or FIB&T mobie app and using your username password & chaenge questions : Transfer funds from checking savings Transfer funds from savings checking checking savings Make payments from checking oan accounts Make payments from savings a oan account Make payments from Get oan and first reserve account information Authorize payments others through Bi Pay or Popmoney see genera imitations on page 2 A mobie device with access an internet browser with communication the internet or access ceuar service through a vaid phone number with the abiity receive text messges is required Make a remote check deposit your checking or savings account You may not exceed $2500 in deposits per business day uness other imits have been assigned You may be charged access fees by your ce phone provider based on your individua pan Web access is needed use this service Check with your ce phone provider for detais on specific fees and charges (g) Eectronic Fund Transfers Initiated By Third Parties You may authorize a third party initiate eectronic fund transfers between your account and the third party' s account These transfers make or receive payment may be onetime occurrences or may recur as directed by you These transfers may use the Aumated Cearing House (ACH) or other payments network Your authorization the third party make these transfers can occur in a number of ways For exampe your authorization convert a check an eectronic fund transfer or eectronicay pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typicay at the point of purchase a merchant wi post a sign and print the notice on a receipt) In a cases these third party transfers wi require you provide the third party with your account number and financia institution information This information can be found on your check as we as on a deposit or withdrawa sip Thus you shoud ony provide your financia institution and account information (whether over the phone the Internet or via some other method) trusted third parties whom you have authorized initiate these eectronic fund transfers Exampes of these transfers incude but are not imited : Eectronic check conversion You may authorize a merchant or other payee make a onetime eectronic payment from your checking account using information from your check pay for purchases or pay bis You may: Not exceed more than payments by eectronic check per Make payments by eectronic check from a checking account Payments are imited N/A per N/A Eectronic returned check charge You may authorize a merchant or other payee initiate an eectronic fund transfer coect a charge in the event a check is returned for insufficient funds You may: Make no more than payments per for eectronic payment of charges for checks returned for insufficient funds Make eectronic payment of charges for checks returned for insufficient funds from a checking account Payments are imited N/A per N/A GENERAL LIMITATIONS In addition those imitations on transfers esewhere described if any the foowing imitations appy: Money Market and savings accounts are imited six payments by eectronic check or eectronic payment of charges for checks returned for insufficient funds Transfers or withdrawas from a money market/savings account another account of yours or a third party by means of a preauthorized or aumatic transfer or teephone order or instruction computer transfer or by check draft debit card or simiar order a third party are imited 6 per month If you exceed the transfer imitations set forth above your account sha be subject cosure If imits are repeatedy exceeded we are required change your account type or remove the accounts transfer and draft capabiities Excessive transactions wi resut in a $5 service charge fee for each overimit transaction Popmoney requires a minimum transfer of $5 Bi Pay requires a minimum transfer of $1 For security reasons there are other daiy and monthy imits on the number and amount of transfers you can make through Popmoney and Bi Pay See page 5 for more Eectronic Fund Transfers Discosure Woters Bankers Kuwer Systems * Financia VMP ETM2LAZ 10/18/2014 Services 2014 Page 2 of 5
3 FEES We charge We charge aumated teer machine poinfsae termina You may not get a receipt if the amount of the transfer is $15 or ess (b) Preauthorized Credits If you have arranged have direct deposits made your account at east once every 60 days from the same person or company you can ca us at the teephone number isted beow find out whether or not the deposit has been made (c) In addition You wi get a monthy account statement from us uness there are no transfers in a particuar month In any case you wi get a statement at east quartery are set up use each our cusmers whose accounts X $75 for Request Money transaction PopMoney each but ony if the baance in the fas beow during the We charge $1495 for each overnight payment and $995 for each same day payment made through Bi Pay We charge $50 or $350 for each next day person person or instant payments respectivey accounts who are set up use PopMoney through FIB&T onine or mobie banking Except as indicated above we do not charge for Eectronic Fund Transfers ATM Operar/Network Fees: When you use an ATM not owned by us you may be charged a fee by the ATM operar or any network used (and you may be charged a fee for a baance inquiry even if you do not compete a fund transfer) DOCUMENTATION (a) Termina Transfers You can get a receipt at the time you make a transfer or from your account using a(n) You wi get a quartery statement from us on your savings account if the ony possibe eectronic transfer or from the account is a preauthorized credit If you bring your passbook us we wi record any eectronic deposits that were made your account since the ast time you brought in your passbook PREAUTHORIZED PAYMENTS (a) Right sp payment and procedure for doing so If you have d us in advance make reguar payments out of your account you can sp any of these payments Here's how: Ca or write us at the teephone number or address isted in this discosure in time for us receive your request 3 business days or more before the payment is schedued be made If you ca we may aso require you put your request in writing and get it us within 14 days after you ca We charge $30 item/$60 range for each sp payment (b) Notice of varying amounts If these reguar payments may vary in amount the person you are going pay wi te you 10 days before each payment when it wi be made and how much it wi be (You may choose instead get this notice ony when the payment woud differ by more than a certain amount from the previous payment or when the amount woud fa outside certain imits that you set) (c) Liabiity for faiure sp payment of preauthorized transfer If you order us sp one of these payments 3 business days or more before the transfer is schedued and we do not do so we wi be iabe for your osses or damages FINANCIAL INSTITUTION' S LIABILITY (a) Liabiity for faiure make transfers If we do not compete a transfer or from your account on time or in the correct amount according our agreement with you we wi be iabe for your osses or damages However there are some exceptions We wi not be iabe for instance: If through no faut of ours you do not have enough money in your account make the transfer If the transfer woud go over the credit imit on your overdraft ine If the aumated teer machine where you are making the transfer does not have enough cash If the termina or system was not working propery and you knew about the breakdown when you started the transfer If circumstances beyond our contro (such as fire or food) prevent the transfer despite reasonabe precautions that we have taken There may be other exceptions stated in our agreement with you CONFIDENTIALITY We wi discose information third parties about your account or the transfers you make: (1) where it is necessary for competing transfers; or (2) in order verify the existence and condition of your account for a third party such as a credit bureau or merchant; or (3) in order compy with government agency or court orders; or (4) if you give us written permission as expained in the separate Privacy Discosure Check & Cashcard Eectronic Fund Transfers Discosure Woters Bankers Kuwer Systems * Financia VMP ETM2LAZ 10/18/2014 Page 3 of 5
4 UNAUTHORIZED TRANSFERS (a) Consumer Liabiity Te us at once if you beieve your card and/or code has been ost or sen or if you beieve that an eectronic fund transfer has been made without your permission using information from your check Teephoning is the best way of keeping your possibe osses down You coud ose a the money in your account (pus your maximum overdraft ine of credit) If you te us within 2 business days after you earn of the oss or theft of your card and/or code you can ose no more than $50 if someone used your card and/or code without your permission Aso if you do NOT te us within 2 business days after you earn of the oss or theft of your card and/or code and we can prove we coud have spped someone from using your card and/or code without your permission if you had d us you coud ose as much as $500 Aso if your statement shows transfers that you did not make incuding those made by card code or other means te us at once If you do not te us within 60 days after the statement was maied you you may not get back any money you ost after the 60 days if we can prove that we coud have spped someone from taking the money if you had d us in time If a good reason (such as a ong trip or a hospita stay) kept you from teing us we wi extend the time period Visa Debit Card Additiona Limits on Liabiity for Check & Cashcard Uness you have been grossy negigent or have engaged in fraud you wi not be iabe for any unauthorized transactions using your ost or sen Visa card This additiona imit on iabiity does not appy ATM transactions outside of the US ATM transactions not sent over Visa or Pus networks or transactions using your Persona Identification Number which are not processed by Visa Visa is a registered trademark of Visa Internationa Service Association MasterCard Debit Card Additiona Limits on Liabiity for You wi not be iabe for any unauthorized transactions using your MasterCard debit card if: (i) you can demonstrate that you have exercised reasonabe care in safeguarding your card from the risk of oss or theft and (ii) upon becoming aware of a oss or theft you prompty report the oss or theft us MasterCard is a registered trademark of MasterCard Internationa Incorporated (b) Contact in event of unauthorized transfer If you beieve your card and/or code has been ost or sen ca or write us at the teephone number or address isted at the end of this discosure You shoud aso ca the number or write the address isted at the end of this discosure if you beieve a transfer has been made using the information from your check without your permission ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Eectronic Transfers Ca or Write us at the teephone number or address isted beow as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer isted on the statement or receipt We must hear from you no ater than 60 days after we sent the FIRST statement on which the probem or error appeared (1) (2) Te us your name and account number (if any) Describe the error or the transfer you are unsure about and expain as ceary as you can why you beieve it is an error or why you need more information Te us the doar amount of the suspected error (3) If you te us oray we may require that you send us your compaint or question in writing within 10 business days We wi determine whether an error occurred within 10 business days (5 business days if invoving a Visa poinfsae transaction processed by Visa or 20 business days if the transfer invoved a new account) after we hear from you and wi correct any error prompty If we need more time however we may take up 45 days (90 days if the transfer invoved a new account a poinfsae transaction or a foreigninitiated transfer) investigate your compaint or question If we decide do this we wi credit your account within 10 business days (5 business days if invoving a Visa poinfsae transaction processed by Visa or 20 business days if the transfer invoved a new account) for the amount you think is in error so that you wi have the use of the money during the time it takes us compete our investigation If we ask you put your compaint or question in writing and we do not receive it within 10 business days we may not credit your account An account is considered a new account for 30 days after the first deposit is made if you are a new cusmer We wi te you the resuts within three business days after competing our investigation If we decide that there was no error we wi send you a written expanation You may ask for copies of the documents that we used in our investigation Eectronic Fund Transfers Discosure Woters Bankers Kuwer Systems * Financia VMP ETM2LAZ 10/18/2014 Page 4 of 5
5 ADDITIONAL INFORMATION: ATM: Means Aumated Teer Machine ATM/DEBIT CARD REPLACEMENT FEE: You wi be charged a $500 fee repace any ost or damaged ATM or Debit Card ATM Baance: When an ATM transaction resuts in an advance from the First Reserve Loan the checking account * * The amount advanced and the baance on the First Reserve Loan wi be charged interest* * PoinfSae Transactions: If you conduct a transaction with the ATM/debit card in a foreign country there wi be an internationa service assessment or an internationa currency conversion fee of up one percent (1%) of the transaction amount that wi be incuded in the transaction that appears on your monthy statement NonVisa Debit Transaction Processing: Effective 1/1/09 if you do not enter a PIN when using your visa check card at certain merchant ocations the transaction may be processed as either a Visa check card transaction or a transaction on the Star Exchange or Cirrus Network Shoud you choose make a transaction WITHOUT A PIN different terms may appy and you WILL NOT BE ELIGIBLE for rewards accrued on transactions processed over the Visa network and the provisions of your cardhoder agreement that specificay reate Visa transactions are inappicabe nonvisa debit transactions By signing beow cusmer acknowedges receipt of pages and 5 of this notice: Signed Dated INSTITUTION (name address teephone number business days) 1ST INTERNATIONAL BANK & TRUST PO BOX 607 WATFORD CITY ND Our business days are Monday through Friday Hoidays are not incuded ADDITIONAL GENERAL LIMITATIONS: For security reasons some point of sae cash advance and ATM transactions in certain states and countries my be bocked or decined (701) Eectronic Fund Transfers Discosure Woters Bankers Kuwer Systems * Financia VMP ETM2LAZ 10/18/2014 Page 5 of 5
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