This is a disclosure statement that applies if you are an individual who has established a deposit account with us primarily for personal, family or household purposes. This disclosure statement sets forth your rights and obligations as a user of Electronic Fund Transfer services which we offer. It is also a statement of our rights and obligations as a provider of Electronic Fund Transfer services.

Consumer’s Obligations
Tell us AT ONCE if you believe The Bank of Harlan Card (the "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 two business days, you can lose no more than $50 if someone used your Card without your permission. If you believe your Card has been lost or stolen and you tell us within days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card without your permission.

If you do NOT tell us within two business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you can 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.

TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT OF UNAUTHORIZED TRANSFER
If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

BUSINESS DAYS
Our business days are Monday through Friday, Bank holidays are not included.

TYPES OF AVAILABLE TRANSFERS
You may use your Card and Personal Identification Number to:
(i)  Withdraw cash from you [checking] account. 
(ii) Transfer funds between your checking and savings  
     accounts whenever you request.
(iii) Pay for purchases at places that have agreed to   
     accept the [card] [code].
(iv) Pay bills directly [by telephone] from your [checking] or 
      [savings] account in the amounts and on the days you request.
Some of these services may not be available at all terminals.  
(2) Electronic check conversion.  You may authorize a   
     merchant or other payee to make a one-time electronic
     payment from your checking account using information
     from your check to: 
     (i) Pay for purchases. 
     (ii) Pay bills. 

LIMITATIONS ON DOLLAR AMOUNT OF TRANSFERS
You may withdraw up to $100 from our terminals each day, subject to available funds.

DOCUMENTATION OF TRANSFERS
You can get a receipt at the time you make any transfer to or from your account using an automated teller machine.

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 606-573-1202 to find out whether or not the deposit has been made.

You will get a monthly account statement unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

RIGHT TO STOP PAYMENT OF PRE-AUTHORIZED TRANSFERS
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 606-573-1202 or write us at: The Bank of Harlan, PO Box 919, Harlan, KY 40831, 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.

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

2. Describe the error or transfer you are unsure about and explain as clearly as you can why you believe it is in 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 tell you the results of our investigation within 10 business days after we hear from you and 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 receive it within 10 business days, we may not re-credit your account.

For errors involving new account, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.  For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

THE BANK OF HARLAN’S OBLIGATIONS 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:

• If through no fault of ours, you do no have enough money in your account to make the transfer;

• If, the automatic teller machine where you are making the transfer does not have enough cash;

• If, the terminal was not working properly and you knew about the breakdown before you started the transfer; or

• If, circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.

There may be other exceptions stated in our agreement with you.

AUTHORIZING ONE-TIME ELECTRONIC FUND TRANSFERS USING INFORMATION FROM A CHECK
(a) - Notice About Electronic Check Conversion
When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.