RelianzBank

ONLINE BANKING AGREEMENT

This RelianzBank Online Banking Terms and Conditions Disclosure Agreement ("Agreement") provides information about RelianzBank Online Banking ("Banking Service"), a consumer electronic banking service. Services include bill payment and funds transfers performed by using your personal computer (PC) with an Internet connection. For the purpose of this document, "You" and "Your" shall refer to each Depositor who signs up for RelianzBank Online Banking. "We," "Our," "Us," or "Bank" shall refer to RelianzBank. All references to time of day in this Agreement shall be Central Standard Time or Daylight Savings Time in the Central Time zone.

Definitions:

Funding Account(s)/Receiving Account(s)

Funding Account(s) are account(s) accessible through the RelianzBank Online Banking service used for the initiation of transfers and/or bill payments. Receiving Account(s) are those account(s) accessible through the RelianzBank Online Banking service which receive funds that are being transferred from a funding account.

Effective Date

The effective date is the date for which a scheduled transaction is to take place.

Balance

Funds on deposit as of the close of business on the prior posting date, which are available for withdrawal, plus cash deposits, less electronic withdrawals, online cash withdrawals or holds.

Available Funds

The Balance (See definition of Balance) in the account which includes funds available through Overdraft Protection, if applicable. Overdraft Protection is detailed in the bank's Overdraft Protection brochure.

Registration for the RelianzBank Online Banking Service

RelianzBank Online Banking can be accessed via a menu option or "button" found on RelianzBank's home page, www.relianzbank.com. You may become eligible for this Banking Service by completing a RelianzBank Online Banking Application in person or by applying online. Registration forms are subject to approval by the Bank and, in order to use this Banking Service, you must have an account in good standing with the Bank. By signing the RelianzBank Online Banking Application, you agree to the terms of this Agreement. Joint accounts will qualify for this Banking Service provided only one signature is required to authorize withdrawals. Accounts requiring two or more signatures will not qualify for this Banking Service. You must individually or jointly own all accounts accessible through this Banking Service.

Equipment and Technical Requirements

It is your responsibility to acquire the software or equipment necessary to use this Banking Service. To access RelianzBank Online Banking and to perform transactions, you must have an Internet access with a web browser that supports 128-bit encryption. You acknowledge that access to this Banking Service and the availability of services hereunder is at all times conditioned upon the availability of the computer services, software and system used to communicate your instructions and the Bank's responses. BANK WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE INCURRED OR SUFFERED BY YOU AS A RESULT, DIRECTLY OR INDIRECTLY, OF ANY FAILURE, INTERRUPTION, SUSPENSION OR TERMINATION OF SUCH SERVICES OR SYSTEM FOR WHATEVER REASON, INCLUDING BUT NOT LIMITED TO THE ACTS OR OMISSIONS OF THE SERVICE OWNER OR ANY THIRD PARTY.

Banking Business Days

RelianzBank's business days are Monday through Friday, excluding Saturday, Sunday, and Federal holidays. The bank may be open on Saturdays or certain Federal holidays; however, online transactions will not be processed until the next business day.

Services and General Information About RelianzBank Online Banking

You may use this Banking Service anytime, day or night, seven (7) days a week with your RelianzBank Online Banking ID and Password to satisfy the system's security procedures. From time to time, access to this Banking Service may be temporarily unavailable due to the Bank's record updating, performing regular maintenance or experiencing technical difficulties. We will attempt to provide notification in advance of any possible interruption of service.

The following functions may be performed when using this Banking Service:

  1. Obtain information on your checking, savings, money market, certificate of deposit, individual retirement account, and loan account(s) such as balance inquiries, posted transactions, check images and statements;
  2. Transfer funds electronically between accounts at RelianzBank;
  3. Access your checking account(s) to pay most bills;
  4. Change your RelianzBank Online Banking ID and Password; and
  5. Send electronic mail to the Bank and receive electronic mail from the Bank.

You authorize the Bank to charge your account(s) and facilitate the requests you initiate using this Banking Service for bill payments and/or transfers, including the amount for any recurring bill payment or transfer, plus any service charges for this Banking Service. Before any bill payment and/or transfer requests are processed, sufficient available funds must be in the account(s) from which the funds are to be debited.

With respect to money market account(s), Regulation D allows you no more than six (6) transfers or withdrawals per month unless these transfers/withdrawals are made in person by entering a RelianzBank office or through the use of an ATM. This transfer/withdrawal limitation does not apply to NOW accounts. Of the six allowable transfers, no more than three may be made to a third party (any entity other than another one of your accounts held in your name and ownership at this Bank). With respect to saving account(s), no more than three (3) transfers or withdrawals per month unless these transfers/withdrawals are made in person by entering a RelianzBank office or through the use of an ATM. Should you exceed the permitted number of transfers/withdrawals on an account, the Bank will be required to close the account, impose a fee, and/or change the account to a demand deposit account.

Confidentiality and Security

The circumstances, under which we will disclose information about you or your accounts, have been separately disclosed to you in our Privacy Policy and in other disclosures, which have been provided directly to you. Our Privacy Policy may change from time to time and is always available on-line and at our banking office locations.

You understand that all User IDs, Passwords and any other security codes (collectively, the "Codes") provided to you by the Bank in connection with this Banking Service are confidential and should not be disclosed to third parties. You are responsible for the safekeeping of your Codes, and agree not to disclose or otherwise make your Codes available to anyone not authorized to sign on your accounts. If the confidentiality of your Codes is compromised, you shall notify us immediately. If you furnish your RelianzBank Online Banking Codes to another person and grant authority to that person to make bill payments who then exceeds that authority, you are liable for all subsequent bill payments and/or transfers until we have been notified that bill payments and/or transfers by that person are no longer authorized. You agree that these security procedures are commercially reasonable and are designed to authenticate your transactions. EXCEPT AS SET FORTH HERE IN THIS AGREEMENT, BANK WILL NOT BE LIABLE FOR ANY LOSS SUFFERED BY CLIENT AS A RESULT, DIRECTLY OR INDIRECTLY, OF ANY UNAUTHORIZED PERSON GAINING ACCESS TO OR OTHERWISE MAKING USE OF THE SERVICE, EXCEPT AS MAY BE PROVIDED BY REGULATIONS.

Bill Payments

Bill payments may be initiated in two different transaction modes - One-Time and Recurring. In order to pay bills, you must establish your payees. Payees may either receive payments via an electronic transmission or a check drawn on your account. Electronic payments will typically be received by the payee within two (2) business days, and will be deducted from your account on the date the transfer is initiated. Check or paper payments will typically be received by the payee within five (5) business days, and will be deducted from your account at the time you initiate the check to the payee, if funds are available in the funding account.

You understand that if a bill payment request describes the beneficiary inconsistently by name and account number, execution of the request will occur on the basis of the account number, even if it identifies a person other than the named beneficiary. You must allow sufficient time for the payee to receive the bill payment before the due date the payee provides you, excluding grace periods. If you do not allow sufficient time for a bill payment, you assume full responsibility for all late fees, finance charges and any other actions initiated by the payee against you. If a check or paper bill payment is not received by a payee for any reason, with your authorization, the Bank will place a stop payment on the check and the Bank's normal stop payment fees will be assessed. In all instances, it is your responsibility to reschedule the bill payment.

If an electronic payment transaction is not processed because there are insufficient funds in the funding account, we are not responsible for the failure of this transaction. You will receive a message within your RelianzBank Online Banking service advising you that the bill payment transaction could not be processed. In the instance the bill payment is not processed due to insufficient available funds, the service will continue to retry processing the payment until funds are available. If there are insufficient available funds in your account at the time a bill payment check is presented for payment, the check will be returned to the payee and the Bank's normal insufficient funds fee will be assessed.

The Bank is responsible only for exercising reasonable and ordinary care in making bill payments upon your authorization and for sending or mailing a bill payment to the designated payee based on the circumstances as outlined.

THE BANK IS NOT LIABLE IN ANY WAY FOR DAMAGES YOU INCUR IF:

  1. THERE ARE NOT SUFFICIENT AVAILABLE FUNDS IN YOUR ACCOUNT(S) TO MAKE THE BILL PAYMENTS OR TRANSFERS;
  2. THE ESTIMATED TIME OF DELIVERY TO THE PAYEE IS INACCURATE;
  3. THERE ARE DELAYS IN MAIL DELIVERY;
  4. THERE ARE PAYEE CHANGES OF ADDRESS OR ACCOUNT NUMBER;
  5. THE PAYEE FAILS TO APPLY THE PAYMENT IN A TIMELY MANNER;
  6. TO THE EXTENT NOT PROHIBITED BY REGULATION E, ANY OTHER CIRCUMSTANCE WHICH IS BEYOND OUR REASONABLE CONTROL OR ANY CIRCUMSTANCE IF ATTRIBUTABLE, IN WHOLE OR IN PART, TO YOU OR TO THIRD PARTIES.

Transfers

Transfers may be scheduled using the RelianzBank Online Banking service between accounts at the Bank which have been made accessible via this Banking Service. Transfer(s) scheduled before 6:00 p.m. (CST) will be reflected in your account and available for your use at the time the transfer is initiated and will post to your account the same day. Transfers scheduled after 6:00 p.m. (CST) will also be reflected in your account and available for your use at the time the transfer is initiated but may post to your account the next business day. One-time transfers scheduled for a future date and recurring transfers will be automatically credited to your account by the opening of business on the "effective date" or the next business day, if the "effective date" is a weekend or holiday. One-time transfers scheduled for a future date and recurring transfers may be changed or canceled until 6:00 p.m. (CST) of the day prior to the "effective date."

THE BANK IS NOT LIABLE IN ANY WAY FOR DAMAGES YOU INCUR IF:

  1. THERE ARE NOT SUFFICIENT AVAILABLE FUNDS IN YOUR FUNDING ACCOUNT(S) TO MAKE A TRANSFER;
  2. THE INCORRECT ACCOUNT NUMBER (S) FOR THE FUNDING ACCOUNT(S) AND/OR RECEIVING ACCOUNT(S) WERE GIVEN WHEN THE TRANSACTION WAS INITIATED;
  3. TO THE EXTENT NOT PROHIBITED BY REGULATION E, ANY OTHER CIRCUMSTANCE WHICH IS BEYOND OUR REASONABLE CONTROL OR ANY CIRCUMSTANCE IF ATTRIBUTABLE, IN WHOLE OR IN PART, TO YOU OR TO THIRD PARTIES.

Authorization to Charge Accounts

You authorize the Bank to charge your funding account(s) or any other deposit account(s) owned by you at this Bank for any transactions accomplished through the use of this Banking Service, including the amount of any bill payment or transfer that you make, and any charges for the service. You understand that in adding a payee or maintaining a payee list, even if no payments are scheduled, you are electing to use the full RelianzBank Online Banking service with the Bill Payment feature and therefore will be charged accordingly. You authorize the Bank to process bill payments and to transfer funds according to the instructions the Bank receives if the instructions are received by the Bank through this Banking Service. You authorize the Bank to initiate any reversing entry or correcting entry and to debit your account(s) at RelianzBank or elsewhere, in order to correct any mistaken entry.

You understand that if a bill payment or transfer request describes the beneficiary inconsistently by name and account number, execution of the request will occur on the basis of the account number, even if it identifies a person other than the named beneficiary. Further, RelianzBank and other financial institutions or merchants to which a bill payment or transfer request is forwarded may rely on any identification number supplied by you as a means to identify any other financial institution or merchant, even if the identification number is other than that of the financial institution or merchant named by you. Your obligation to pay the amount of the bill payment and/or transfer to RelianzBank is not excused in such circumstances.

Standard of Care

The Bank will use due care and act in good faith in connection with providing the services to you. The Bank does not warrant or represent that this Banking Service will operate uninterrupted or that this Banking Service will be error free. The Bank will use reasonable commercial efforts under the circumstances to contract with third parties as required for the products and services on which this Banking Service is dependent including, but not limited to: communication carriers, network service providers, equipment manufacturers and their associated hardware and software providers.

Account Information Disclosure

We have the right to disclose information to third parties about your account and the bill payments or transfers you make:

  1. When it is necessary for verifying or completing bill payments or transfers, or resolving a problem relating to a bill payment or transfer;
  2. In order to verify the existence and the condition of your account for a third party, such as a credit bureau or payee authorized by you;
  3. In order to comply with government agency or court orders;
  4. With any subsidiary or affiliate for the purpose of completing transactions as requested by you;
  5. When you give us your written permission; or
  6. As otherwise permitted in RelianzBank's Terms and Conditions, by applicable law, as required by Government Regulations, or as necessary in the event of a national emergency.

Documentation and Verification of Bill Payments and Transfers

  1. Confirmation Numbers

Upon scheduling of a transaction using this Banking Service, a confirmation number will be given. You should record this number, along with the payee, scheduled date and transaction amount in your checkbook register (or other permanent record) or you may wish to print the confirmation screen. These procedures will help in resolving any problems that may occur. Other than your ability to print the confirmation screen, no printed receipts are issued through this Banking Service.

  1. Preauthorized Deposits

If you have arranged to have direct deposits made to your account, you can find out whether or not the deposit has been made through this Banking Service.

  1. Periodic Statements

Information concerning RelianzBank Online Banking transactions will be shown on your normal monthly checking account statement for the account(s) from which bill payments or transfers are made. If you have a savings account linked to this Banking Service, you will receive a monthly savings statement unless there are no transactions in a particular month; you will at least receive a quarterly savings statement.

Other Conditions

You are responsible for complying with all terms of this Agreement and the regulations governing the deposit accounts which you access using this Banking Service. We can terminate your RelianzBank Online Banking privileges without notice to you if you do not pay any fee(s) as detailed in this Agreement when they are due, or if you do not comply with the terms of any agreements associated with your accounts and/or your RelianzBank Online Banking service, as modified from time to time.

Except as governed by federal law or regulation, the Terms & Conditions of this Agreement shall be governed by the substantive laws of the United States and the laws of the state of Kansas, without regard to such state's rules regarding conflict of laws and without regard to your state of residence. The venue for all litigation relating to this Agreement shall be in any county in Kansas in which the Bank has a retail office.

If either party utilizes the services of an attorney to enforce this Agreement through legal proceedings, then the prevailing party shall be entitled to recover its/his/her legal expenses, including attorneys' fee on both the trial and appellate levels. We utilize the services of third party providers to complete bill payments and transfers. Such providers may occasionally experience network or system downtime; therefore, you are advised to transmit instructions through the RelianzBank Online Banking service at your earliest opportunity to reduce the possibility of a delay.

Change in Terms

Changes in the terms of the RelianzBank Online Banking Agreement & Electronic Funds Transfer Disclosure may be made by the Bank from time to time and shall become effective upon the earlier of:

  1. The expiration of a thirty (30) day period of posting of such changes in the Bank; or
  2. Thirty (30) days after the mailing, electronic mailing or delivery of notice thereof to the depositor by enclosing the notice in your monthly statement. If there is more than one depositor, then the Bank will only send the notice of change to one depositor. Mailing or electronic mailing of a revised RelianzBank Online Banking Agreement & Electronic Funds Transfer Disclosure shall constitute notice of change in this service. The revised Agreement will become applicable to this service on the date specified unless you close your account before that date. You acknowledge and are aware that the Bank's current rules, Terms and Conditions and Additional Services & Fees Brochure are always available at the Bank's main premises or any retail office.

Terms and Conditions Disclosure

By using this Banking Service, you acknowledge receipt of and agree to be bound by this RelianzBank Online Banking Agreement & Electronic Funds Transfer Disclosure, as well as, the RelianzBank's Terms and Conditions and Checking and Savings Brochure, which were received by you at the time your account was opened, plus any amendments to these instruments, which will be furnished to you as they occur. If there are any changes with any of these agreements and/or brochures, the latest dated document will govern.

Notices

Except where this Agreement specifically authorizes telephone notice or electronic mail notices, all notices to Bank under this Agreement shall be in writing and shall be delivered in person or by United States mail, certified mail, return receipt requested. Notice shall be deemed to be given at the time of hand delivery or three (3) calendar days after the date on which it is mailed by certified mail.

All notices to you shall be sent to your address as it appears in our account records. Notices to the Bank shall be sent to RelianzBank, Attention: Online Banking, PO Box 9206, Wichita, KS, 67277, or may be sent by electronic mail using the RelianzBank Online Banking service. If there is more than one signer on an account, notice to one of you is notice to all. Other than as specifically provided herein, notices to the Bank are effective when received.

Service Maintenance and Cancellation

If you would like to add or delete accounts, of if you would like to cancel this Banking Service and/or the bill payment feature, you may do so at anytime by notifying the Bank. Notices to the Bank shall be sent to RelianzBank, Attention: Online Banking, PO Box 9206, Wichita, KS, 67277, or may be sent by electronic mail using the RelianzBank Online Banking service.

Disclaimer of Warranties

Except as expressly set forth in this Agreement, the Bank makes no representations or warranties, expressed or implied, including without limitation any warranty or merchantability or fitness for a particular purpose with respect to the services to be provided under this Agreement. The Bank does not own the software which is incorporated in the RelianzBank Online Banking service.

Electronic Funds Transfer Agreement and Disclosure

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 obligations for the transactions listed. You should keep this notice for future reference.

Electronic Fund Transfers Initiated By Third Parties - You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

ATM CARD transactions - types of transactions - You may access your account(s) by ATM using your ATM CARD and your personal identification number (PIN) to:

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

VISA CHECK CARD ATM transactions - types of transactions - You may access your account(s) by ATM using your VISA CHECK CARD and your personal identification number (PIN) (as applicable) to:

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

VISA CHECK CARD point-of-sale transactions - types of transactions - You may access your checking or your Savings account(s) using your VISA CHECK CARD to do transactions that participating merchants will accept, including:

Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA.

Advisory Against Illegal Use - You agree not to use your VISA CHECK CARD for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located.

Non-Visa Debit Transaction Processing - We have enabled non-Visa debit transaction processing. This means you may use your VISA CHECK CARD on a PIN-Debit Network* (a non-Visa network) without using a PIN.

The non-Visa debit network(s) for which such transactions are enabled are: PULSE Network or STAR Network.

Examples of the types of actions that you may be required to make to initiate a Visa transaction on your VISA CHECK CARD include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.

The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

*Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

RELIANZ ONLINE BANKING - types of transfers - You may access your accounts at www.relianzbank.com and using your user ID and password to:

RELIANZ BILL PAY - types of transfers -

You may access this service by computer at www.relianzbank.com and using your user name and password.

You may access this service to:

(Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.)

Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers.

ATM Operator/Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Security limitations - For security reasons, there are other limits on the number of transfers you can make using our computer transaction service.

Documentation

Terminal transfers - You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.

Periodic statements - You will get a monthly account statement from us for your checking, money market account(s).

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

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 disclosure in time for us to receive your request three 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.

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 differ 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 stop payment of preauthorized transfer - If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

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, 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 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.

Confidentiality

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

(1) where it is necessary for completing transfers; or

(2) in order to verify the existence and condition of your 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) as described in our privacy policy disclosure, provided separately.

Unauthorized Transfers

(a) Consumer liability. (1) Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card without your permission.

If you do NOT tell us 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 told us, you could lose as much as $300.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us 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 told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

(2) Additional Limit on Liability for VISA(R) 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 VISA card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by VISA.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure if you believe 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 Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, 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 (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 the 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.

If you have inquiries regarding your account, please contact us at:

RELIANZBANK
2327 N RIDGE ROAD
WICHITA, KS 67205
BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday and Friday
Holidays are not included.
PHONE: (316)260-2265

Notice of ATM/Night Deposit Facility User Precautions

As with all financial transactions, please exercise discretion when using an automated teller machine (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. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. 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.

Other Terms

For Savings or Youth Savings accounts, a $2.00 withdrawal servicer charge will be assessed for each transaction over three per month. For Money Market accounts, a $3.00 withdrawal servicer charge will be assessed for each transaction over six per month.
Welcome to Internet Bill Pay

ELECTRONIC BILL PAYMENT AUTHORIZATION

I AUTHORIZE my financial institution to post payment transactions generated by phone and/or PC from the Bill Paying Service to the account indicated on the form being sent electronically. I understand that I am in full control of my account and that my 100% satisfaction is unconditionally guaranteed. If at any time I decide to discontinue service, I will provide written notification to my financial institution. My use of the Bill Paying Service signifies that I have read and accepted all terms and conditions of the Bill Paying Service.

I UNDERSTAND that payments may take up to 10 business days to reach the vendor and that they will be sent either electronically or by check. My financial institution is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.