Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or statement savings account(s).

Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or statement savings account(s).

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

ATM Transfers - types of transfers, dollar limitations, and charges. You may access your account(s) by ATM using your ATM card or debit card and personal identification number, to:

• make deposits to checking and statement savings account(s)
  
• get cash withdrawals from checking and statement savings account(s)
  - you can withdraw no more than $300 per 24 hour period
• transfer funds from statement savings to checking account(s)
• transfer funds from checking to statement savings account(s)
• get information about:
  - the account balance of your checking account(s)
  - the account balance of your statement savings account(s)

Some of these services may not be available at all terminals. Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.

Types of Debit Mastercard Transactions. You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).

Debit Card Transactions - dollar limitations. Using your debit card:

    You may not exceed $1,000 in transactions at POS and $3,000 ATM withdrawl totaling $1,300 per 24 hour period (ATM withdrawals included). Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

To report lost or stolen debit cards during banking hours Mon-Thurs 8:30am-4:00pm, Fri 8:30am-5:30pm, please call (270) 298-3261. To report a lost or stolen debit card after banking hours, please call 1-800-500-1044.

Computer Transfers - types of transfers, frequency limitations. You may access your account(s) by computer using your personal identification number, your account numbers, your social security number, and your internet connection, to:

• transfer funds from checking to checking
• transfer funds from checking to statement savings
• transfer funds from statement savings to checking
  Limits Apply
• transfer funds from statement savings to statement savings
  Limits Apply
• transfer funds from line of credit to checking
• make payments from checking to loan accounts with us
• make payments from checking to third parties
• make payments from statement savings to loan accounts with us
  Limits Apply
• make payments from statement savings to third parties
  Limits Apply
• get information about:
  - the account balance of checking accounts
  - the last deposits to checking accounts
  - the last withdrawals from checking accounts
  - the account balance of savings accounts
  - the last deposits to savings accounts
  - the last withdrawals from savings accounts

Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

• Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.

• Transfers from a statement savings or Advantage account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle .

FEES

• We do not charge for direct deposits to any type of account.
• Please refer to our separate disclosure for additional information about fees.

DOCUMENTATION

• Terminal transfers. You can get a 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.
• 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, you can call us at 270-298-3261 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 accounts. You will get a quarterly account statement from us for your statement savings accounts, 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 brochure in time for us to receive your request 3 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 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

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.

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. if you give us written permission.

(2) Effective November 1, 1997, Additional Limits on Liability for Visa Check Card, when used for point-of-sale transactions. Unless you have been grossly negligent or have engaged in fraud, you will not be liable far any unauthorized transactions using your lost or stolen Check Card, when used for point-of-sale transactions, if you report the loss or theft of your card within 2 business days of when you discover the loss or theft of the card. If you do NOT tell us within 2 business days, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us.
(b) Contact in event of unauthorized transfer. It you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

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.

We will determine whether an error occurred 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 (90 days if the transfer involved. 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 (20 business days for point-of-sale transactions and or a foreign initiated transaction) 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 had an establish account with us before this 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.