Online Banking Disclosure

(Internet) Agreement {PLEASE PRINT OR SAVE THIS INFORMATION FOR YOUR RECORDS}

1. The Service.

In consideration of the Online Banking services ("Services") to be provided by West Plains Bank ("BANK"), as described from time to time in information distributed by BANK to its customers. In the agreement, "Customer" refers to the person(s) subscribing to or using the Service. The Customer agrees as follows: You may use a Personal Computer ("PC") or web based phone through an Internet connection to obtain account balances and transaction information. You may also use your PC or web based phone to obtain statements on your accounts and to transfer money between your accounts. However, transfers from your savings and Money Market accounts are considered pre-authorized transfers, and pre-authorized transfers are limited to six (6) per monthly statement cycle by federal regulations. By subscribing to the Service or using the Service to make any payments to a third party, you agree to the terms of the Agreement.

PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

2. Your Access ID and Password.

Each individual who has access to Online Banking, including each individual named on joint accounts, must designate an access ID and password. Your access ID  must be a minimum of 6 characters, and your password must be a minimum of 8 characters. Your password must consist of at least one (1) letter and one (1) numeric character. The letters are case sensitive. For example, if you enter your password as: 1234abcd you cannot use 1234ABCD. It is recommended that you change your password periodically to enhance security. Your access ID and password are sensitive personal data. You should select an access ID and password that are hard to guess. They should not be based on your name, address or other personal information.

3. Delivery of Your Transfers.

You may schedule transfers between your West Plains Bank accounts to be initiated on the current business day, on a future date, or on the same date of each month, subject to the restrictions in the Agreement. Although you can enter transfer information through the Service twenty-four (24) hours a day, seven (7) days a week, transfers can be initiated only on business days. Funds will be deducted from your Account on the business day on which a transfer is to be "initiated." This date is referred to in this Agreement as the "Transaction Date." If you direct the initiation of a transfer to occur on a day other than a business day, it will be initiated on the following business day.

4. Recurring Transfers

Recurring transfers are those made for the same amount and are made on a weekly, bi-monthly, monthly basis, etc. Once started, recurring transfers will be made automatically until you tell us to stop or cancel the transfer on-line and we have a reasonable opportunity to react.

Bill Payment Terms and Conditions

Please refer to the CheckFree Terms and Conditions of the Bill Payment Service.

5. Our Liability for Failure to Complete Transactions.

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 might be liable for some of 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 the money in your account is subject to legal process or other encumbrances restricting transfer;
  3. if the transfer would go over the credit limit on your overdraft line (if any);
  4. if the system was not working properly when you started the transfer;
  5. if circumstances beyond our control (such as fire or flood or systems failure) prevent the transfer, despite reasonable precautions that we have taken

6. Canceling a Transfer.

You may use your PC to cancel a transfer up to 6 p.m. (CST) on the business day your transfer is scheduled to be initiated ("Transaction Date"). There is no fee for canceling a transfer Online.

7. Statements.

All payments, transfers, and/or fees made with the Service will appear on your monthly Account statement. The Payee name, payment amount, and date of the payment will be shown for each payment made through the Service during that month.

8. Fees.

Fees for Services shall be payable in accordance with a schedule of charges as established and amended by BANK from time to time. Charges shall be automatically deducted from customer’s Account, and BANK shall provide to Customer monthly notice of such debit(s) on your statement.

9. Equipment.

You are solely responsible for the equipment (including your personal computer and software) you use to access the Services. We are not responsible for errors or delays or your inability to access the Services caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the Services nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

10. Business Days/Hours of Operation.

Our business hours are 8 a.m. to 4:30 p.m. (CST), Monday through Friday, except bank holidays. Although payments and transfers can be completed only on business days, the Service is available 24 hours a day, seven days a week, except during maintenance periods.

11. eStatements

West Plains Bank delivers statements to your electronically. You agree and consent receive electronically indicated account statements and notices that we provide in connection with your West Plains Bank accounts. We will provide these documents to your by posting them on the West Plains Bank Online Banking website and by emailing you a notification at the primary email address listed in your West Plains Bank Online Account when they are available.

Updating your contact information:
It is your responsibility to keep your primary email address up to date so that West Plains Bank can communicate with you electronically. You understand and agree that if West Plains Bank sends you an electronic communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you otherwise unable to receive electronic communication, West Plains Bank will be deemed to have provided the communication to you.
Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add West Plains Bank to your email address book so that you will be able to receive the communications we send to you.

You can update your primary email address at any time by logging into the West Plains Bank Online Banking website, going to "Profile" and selecting "Edit" button under Email. If your email address becomes invalid such that electronic communications sent to you by West Plains Bank are returned, West Plains Bank will remove your account from receiving electronic communications until we receive a valid, working primary email address from you.

If you have elected to receive your statements electronically and at a later date would like to begin receiving a paper statement, please notify West Plains Bank, 200 N Main St PO Box 6, Ainsworth, NE 69210. West Plains Bank reserves the right to charge you additional fees for paper copies.

12. Notice of Your Rights and Liabilities.

Security of your transactions is important to us. Use of the Services may therefore require a PIN or password. If you lose or forget your PIN or password, please call (402) 387-2381 during normal business hours listed above. We may accept as authentic any instructions given to us through the use of your password or PIN. You agree to keep your PIN and password secret and to notify us immediately if your PIN or password is lost or stolen or if you believe someone else has discovered your PIN or password. You agree that if you give your PIN or password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Services. Online Banking Services enables you to change your password; we recommend that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you. You agree that our records will be final and conclusive as to all questions concerning whether or not your PIN or password was used in connection with a particular transaction.

If any unauthorized use of your PIN or password occurs you agree to (1 )cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds.

Tell us AT ONCE if you believe your PIN or password 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 (plus your maximum line of credit). If you tell us within two (2) business days, you can lose no more than $50. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN or password, and we can prove we could have stopped someone from using your PIN or password 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 sixty (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 prevented someone from taking the money if you had told us in time. If you believe your PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (402) 387-2381 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PINS OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.

13. Errors and Questions.

In case of errors or questions about your electronic transactions, telephone us at (402) 387-2381, 8 a.m.-4:30 p.m. (CST), Monday through Friday, or write us at:

West Plains Bank
Attention: Electronic Banking Department
PO Box 6
Ainsworth, NE 69210

as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You will need to:

  1. tell us your name and Account number (if any);
  2. describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and
  3. tell us the dollar amount of the suspected error.

If you tell us verbally, we may require you to send us your complaint or question in writing within ten (10) business days following the date you notified us. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20)business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have 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 ten(10) business days, we may not credit your account.

If we determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation within three (3)business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

14. Disclosure of Account Information to Third Parties.

We may disclose information to third parties about your account or the transactions you make:

  1. where it is necessary for completing transactions or resolving errors involving the Services; or
  2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or
  3. in order to comply with government agency rules, court orders, or other applicable law; or
  4. to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or
  5. if you give us your permission.

15. Authorization to Obtain Information.

You agree that we may obtain and review your credit report from a credit bureau or similar entity. You also agree that we may obtain information regarding your Payee Accounts in order to facilitate proper handling and crediting of your payments.

16. Termination.

We reserve the right to terminate the Services, in whole or in part, at anytime with or without cause and without prior written notice. In that event, or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. We also reserve the right to temporarily suspend the Services in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your PIN or password as an indication of an attempted security breach. Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before termination.

17. Limitation of Liability.

Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.

18. Waivers.

No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of the BANK.

19. Assignment.

You may not transfer or assign your rights or duties under this Agreement.

20. Governing Law.

The laws of the State of Nebraska shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.

21. Amendments.

We can change a term or condition of this Agreement by mailing or delivering to you a written notice at least thirty (30) days before the effective date of any such change. We do not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain or restore the security of our system or an account. However, even in these cases, if the change is to be permanent, we will provide you with a notice of the change with the next regularly scheduled periodic statement we send you, or within thirty (30) days, unless disclosure would jeopardize the security of our system or an account. Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the most recent address we show for you in either our Checking or Savings Account records, or e-mail address in which you agreed to receive such notices and/or disclosures.

22. Indemnification.

Customer, in consideration of being allowed access to the Services, agrees to indemnify and hold the BANK harmless for any losses or damages to the BANK resulting from the use of the Services, to the extent allowed by applicable law.

23. Security Procedures.

By accessing the Services, you hereby acknowledge that you will be entering a protected web site owned by the BANK, which may be used only for authorized purposes. The BANK may monitor and audit usage of the System, and all persons are hereby notified that use of the Services constitutes consent to such monitoring and auditing. Unauthorized attempts to up-load information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986. For your security, you are required to answer three out-of-wallet security questions. You will be asked these questions during the login process unless you register your computer. Now you know it's safe to enter your Password. When you're signing in from a different computer, we ask one of your challenge questions to verify your identity. The address bar on your browser should display green as additional confirmation that you’re entering the correct website.

24. Fee Schedule.

There is no monthly service charge for online banking services.

Fees that may be associated with Bill Pay are:

  • Elite and Platinum – Free Bill Pay
  • Prestige Accounts - $1 per each Bill Pay transaction
  • Business Accounts – First 5 Bill Pays are free and after 5 you are charged $1 per each Bill Pay transaction per statement period

West Plains Bank
Schedule of Fees and Charges Effective July 1, 2020
 

ATM Transaction Fee-Non-WPB Terminal...............….. $  2.00
ATM Balance Inquiry/Transfer of Funds
              Non-WPB Terminal..………………………………..0.75
ATM Deposit – Non-WPB Terminal................................... 2.00
*ATM/Visa Check Card – Replacement...………....…….. 10.00
*Cashier’s Check & Money Order fee...........................…. 3.00             
+Non-Sufficient Fund Fee - per item - returned............... 30.00
+Overdraft Charge - per item...........................…............. 30.00
+Continuous Overdraft Charge (every 7 business days)  30.00
Stop Payment Charge - per item...................................... 30.00
Account Research Fee - per hour (min. $30.00)......…......30.00
Research Statement Fee – per statement...............…....... 5.00
Account Reconciliation Fee-per hour (1st time no charge)30.00
Close/Reopen Account Fee – (1st time no charge)......….30.00
Account opened and then closed within 6 months........... 30.00
Multiple Mailing Addresses – per month .....................…... 3.00
        With Check Images................................................…. 5.00
Indemnity Agreement Fee.................................….........… 15.00
Account Transcript (1 free per month)...............….........…. 3.00
Photocopies per page.......................................…..........…. 0.25
Collection Item Fee – customer....................................… 10.00
Collection Item Fee – non-customers...........................… 25.00
Wire Transfer ...............................................................… 15.00
International Wire Transfer.................................…........... 60.00
Night Deposit Duplicate Keys..............................…......… 10.00
Local or Long Distance Fax - per page.............................. 2.00
Check Cashing Fee - non-customer.....................….......... 5.00
Garnishment or Levy Fee................................................ 30.00
Foreign Currency – Buy or Remit.................................... 25.00
Notary Fee - non-customer....................................…......... 2.00
Notary Fee - customer.......................................……. no charge
Dormant Account Fee
        (Dormant for 1 year and balance below $50.00)
        Checking – per month............................................... 5.00
        Savings   – per month............................................... 5.00
Loose Coin Counting Fee – customer..................... no charge
Loose Coin Counting Fee – non-customer/volume5.00/100.00
Merchant Returned Check Charge - per item................. 10.00
Automatic Transfers
        Internal/External..............................…...... no charge/2.00
Overdraft Protection Transfer Fee – per transfer.............. 2.00

 

*No Charge to Platinum/Elite Members
+Overdrafts may be created by check, in-person withdrawal, ATM  withdrawal or other electronic means

25. REGULATION E DISCLOSURE

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS

WEST PLAINS BANK
200 N MAIN ST
AINSWORTH, NE 69210-0006
(402)387-2381

ELECTRONIC FUND TRANSFERS

YOUR RIGHTS AND RESPONSIBILITIES

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:

Preauthorized credits – You may make arrangements for certain direct deposits to be accepted into your checking or savings.
Preauthorized payments – You may make arrangements to pay certain recurring bills from your checking or savings.

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 pay for purchases or pay bills.
Electronic returned check charge – You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

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:
deposit funds to checking or savings
withdraw cash from checking or savings
transfer funds from CHECKING to CHECKING
transfer funds from CHECKING to SAVINGS
transfer funds from SAVINGS to CHECKING
transfer funds from SAVINGS to SAVINGS
get balance information about checking or savings

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

VISA DEBIT CARD ATM transactions – types of transactions – You may access your account(s) by ATM using your VISA DEBIT CARD and your personal identification number (PIN) (as applicable) to:
deposit funds to checking or savings
withdraw cash from checking or savings
transfer funds from CHECKING to CHECKING
transfer funds from CHECKING to SAVINGS
transfer funds from SAVINGS to SAVINGS
transfer funds from SAVINGS to CHECKING
get balance information about checking or savings

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

VISA DEBIT CARD point-of-sale transactions – types of transactions – You may access your checking account(s) by debit card to do transactions that participating merchants will accept, including:
purchase goods in person, by phone, or online
pay for services in person, by phone, or online get cash from a participating merchant or financial institution

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 that the bank is charged will be passed along to you, the customer for foreign transactions/currency conversions. 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 card(s) 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 all jurisdictions in which the cardholder may be located.

Computer access plan – types of transfers – You may access your accounts by computer at WESTPLAINSBK.COM and using your personal identification number (PIN) to:
transfer funds from CHECKING to CHECKING
transfer funds from SAVINGS to CHECKING
transfer funds from CHECKING to SAVINGS
get balance information about checking, savings or certificate of deposit
get transaction history about checking, savings or certificate of deposit

BILLPAY – types of transfers
You may access this service by computer at WESTPLAINSBK.COM and using your user name and password.
You may access this service to:
make payments from your checking account(s) to Limits and fees – Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic

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).

Limitations on frequency of transfers
In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Money Markets Accounts or Sterling Accounts account(s):
During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution. No checks may be written on the Sterling account. All limits apply to your Money Market Account or Sterling Account.

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.
Preauthorized credits – If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:
the person or company making the deposit will tell you every time they send us the money. you can call us at (402)387-1077 to find out whether or not the deposit has been made.
Periodic statements – You will get a monthly account statement from us for your checking 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 in order to comply with government agency or court orders; or
(3) if you give us written permission.

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 the money in your account (plus your maximum overdraft line of credit). If you tell us within two 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 and/or code 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/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 $500.

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 for point-of-sale transactions processed by Visa 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:
WEST PLAINS BANK
200 N MAIN ST
AINSWORTH, NE 69210-0006
BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday and Friday Holidays are not included.
PHONE: (402)387-2381 or (800)240-8365

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 Information
LIMITATIONS OF DOLLAR AMOUNTS OF TRANSFER
**The limit for terminal cash withdrawals is $400.00 per day.

**Point of Sale purchases are limited to $400.00 per day.

We will charge:
$2.00 per ATM withdrawal NOT processed at the Cenex Ampride in Ainsworth, NE.
$.75 per non-monetary transfer of balance inquiry NOT made at the Cenex Ampride in Ainsworth, NE.

$2.00 per deposit made at any deposit taking ATM location.

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