TYPES OF TRANSFERS AVAILABLE

1. Point of Sale Transfer
2. Automated Teller Machine Transfer
3. Direct Deposit or withdrawals of funds
4. All Debit Card Transfers whether or not initiated through an electronic terminal.

A. ACCESSING YOUR ACCOUNT

1. Withdraw cash from your checking or savings, NOW, SUPER NOW, or Money Market accounts.
2. Make deposits to your checking or savings, NOW, SUPER NOW, or Money Market accounts.
3. Transfer funds between all of the above accounts whenever you request.
4. Pay for purchases at places that have agreed to accept the card. Some of these services may not be available at all terminals.

B. LIMITATIONS

1. Limitations on frequency of transfers.

a. For security reasons, there are (other) limits on the number of transactions you can make using our terminals, point-of-sale transfer service, and debit card.

2. Limitations on dollar amounts of transfers:

a. You may withdraw up to $200.00 using an ATM card from ATM terminals each day.
b. You may withdraw up to $300.00 with your MasterMoney Card from any terminals each day.
c. You may buy up to $200.00 worth of goods or services with your ATM Card each day when making a point-of-sale transfer.
d. You may buy up to $1,000.00 worth of goods or service with your MasterMoney Card each day when making a point-of-sale transfer.

3. In addition to those limitations listed elsewhere, transfer from an insured Money Market Account, or from a savings account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to 6 per statement cycle with no more than 3 by check, debit card, or similar order to third parties.

C. CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS:

1. There will be a charge of $1.00 for each transaction initiated at an automatic teller machine that is not ours.
2. There is no charge for transfers using our Automated Teller Machines.

D. ATM FEES BY OTHERS

If you use an ATM that is not owned by us, you may be charged you a fee for balance inquiry even if you do not complete a fund transfer.

E. RECEIPT FOR TRANSACTION

You will receive a written receipt at the time you make any transfer to or from your account using one of our automated teller machines, or point-of-sale terminals.

F. CUSTOMER LIABILITY

Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 business days, you can lose no more than $50 if someone used your card without permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, 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 periods.

G. HOW TO CONTACT US

If you believe that your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, or if for any reason you wish to contact us, telephone us at the phone number given below or write us at the address given below.

A. DOCUMENTATION OF TRANSFERS

If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the phone number listed to find out whether or not the deposit has been made.
If you have a passbook account where the only possible electronic fund transfers are preauthorized credits, you may bring your passbook to us and we will record any electronic deposits that were made to your account since the last time you brought in your passbook.

B. LIMITATIONS

1. There is no charge for this service.
2. There is no limitation on frequency of withdrawal transfer, except as noted earlier.

C. RIGHT TO STOP PAYMENT

If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Call us at the phone number given below, or write us at the address given below, in time for us to receive your request 3 business days or more before the payment is schedule 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. If you order us to stop one of these three payments 3 business business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

D. NOTICE OF TRANSFER IN VARYING AMOUNTS

If the preauthorized regular transfers from your account may vary in amount, the person you are going to pay should 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 out- side certain limits that you set.

E. CUSTOMER LIABILITY

If your statement shows unauthorized transfers from your account, tell us at once. If you do not tell us within 60 days after we sent you the FIRST statement upon which the problem appeared, 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.

F. HOW TO CONTACT US

If you believe that a transaction involving your account has been made without your permission, or if for any reason you wish to contact us, telephone us at the phone number given below or write us at the address given.

A. PERIODIC STATEMENTS:

CHECKING: You will get a monthly account statement.
SAVINGS: You will get a monthly account statement.

B. ACCOUNT INFORMATION DISCLOSURE

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

1.Where it is necessary to complete 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 agencies or court orders, or
4.If you give us your written permission.

C. 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 where we will not be liable:
1.If, through no fault of ours, you do not have enough money in your account to make the transfer.
2.If your account is frozen because of a court order or some similar reason.
3. If the automated teller machine where you are making the transfer does not have neough cash.
4.If the terminal 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.

D. ERROR RESOLUTION PROCEDURES

In case of errors or questions about your electronic transfers:
Telephone us or write us at the phone number or address given below, 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 you 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.

A. Error Resolution Notice

We will determine whether an error occurred within 10 business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 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 ask you to put your complaint or question in writing and we do not recieve it within 10 business days, we may not credit your account.

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.

B. Extention of the time period - New Accounts

The time periods noted above are extended as follows:
1. The applicable time is 20 business days in place of 10 business days if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made.
2. The applicable time is 90 days in place of 45 days of investigation, if a notice of error involves an electronic fund transfer that:
a. Was not initiated within a state;
b. Resulted from a point - of - sale debit card transaction; or
c. Occurred within 30 days after the first deposit to the account was made.

You may ask for copies of the documents that we used in our investigation.

F. MAILING ADDRESS, TELEPHONE NUMBER AND BUSINESS DAY DISCLOSURE

1. Our mailing address is: P.O. Box 348, 103 Belleville Avenue, Brewton, Alabama 36427
2.Our phone number is: (251) 867-5431
3.Our email address is bankofbrewton@magbelle.com
4.Our business days are: Monday thru Friday (Holidays are not included)