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Check 21

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ELECTRONIC FUNDS TRANSFER SERVICE
DISCLOSURE STATEMENT

  1. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS. Tell us at once if you believe your card or personal identification number has been lost or stolen. Telephoning is the best way to keep possible losses down. You could lose all money in your account. If you tell us within 2 business days, you can lose no more than $50 on a transaction which occurred on the Shazam network. For transactions, which occurred on the Visa system, your liability would be zero. 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 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

  2. TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN THE EVENT OF UNAUTHORIZED TRANSFERS. If you believe your card has been lost or stolen or that someone has transferred or may transfer from your account without your permission, write or call:
    Iowa State Bank 100 North Main St.
    Clarksville, Iowa 50619
    Clarksville (319) 278-4761
    Kesley Office (319) 347-6671
    Parkersburg Office (319) 346-1226

    You can also contact the bank by going online to http://www.iowastatebank.com and send us a message via our Guest Book.

  3. BUSINESS DAYS. Our business days are Monday through Saturday. Holidays are not included.

  4. TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS.

    1. Account Access

      1. Withdrawal cash from your checking or savings account.
      2. Make deposits to your checking or savings account.
      3. Transfer funds between your checking and savings accounts whenever you request.
      4. Learn the balance(s) in your checking or savings accounts.

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

    2. Limitations on dollar amounts or transfers. Withdrawals will be limited to $200.00 per day per card.

  5. CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS Withdrawals through an electronic funds transfer service will be charged the same as a check if your account is subject to service charges.

  6. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES. We will disclose information to third parties about account or the transfers you make:

    1. Where it is necessary for completing transfers.
    2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
    3. In order to comply with government agency or court orders.
    4. If you give us written permission.

  7. RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS.

    1. Terminal Transfers. You will receive a receipt at the time you make any transfer to or from your account using a satellite terminal.
    2. 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 (319) 278-4761 or Dial-A-Bank at (319) 278-4844 or (800) 988-4844 to find whether or not the deposit has been made.
    3. Periodic Statements. You will receive a monthly account statement unless there are no transfers in a particular month. In any case you will receive a statement at least quarterly or semi-annually.

  8. OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in correct amount according to our agreement with you, we will be liable for your loses or damage. However, there are some exceptions. We will NOT be liable for instance:

    1. If, through no fault or ours, you do not have enough money in your account to make the transfer.
    2. If the automatic teller machine where you are making the transfer does not have enough cash.
    3. If the terminal or system was not working properly and you knew about the breakdown when your started the transfer.
    4. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

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

  9. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFER.
    Call or write us at:
    Iowa State Bank 100 North Main St.
    Clarksville, Iowa 50619
    Clarksville (319) 278-4761
    Kesley Office (319) 347-6671
    Parkersburg Office (319) 346-1226

    Contact us via our website at www.iowastatebank.com using the Guest Book.

    As soon as you can, if you think your statement or receipt is wrong or you need more information about the 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 appears.

    1. Tell us your name and account number.
    2. Describe the error or transfer you are unsure about, and explain 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 tell you the results or our investigation within 10-day business after we hear from you and 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 recredit your account within 10 business days for the amount you think is in error, so that you 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. If we decide there is no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used on our investigation.

  10. CHARGES

    1. Annual Service Fee. There will be a $15.00 annual service charge per account. CHARGED IN NOVEMBER.
    2. Replacement Fee. There will be a $10.00 charge per card anytime the Iowa State Bank has to replace your card if damaged or stolen.

  11. MISCELLANEOUS
    1. Change in Terms. We may amend the terms and conditions of this Agreement from time to time by sending you written notice of such change(s) as required by law to the current address shown on our records.
    2. Termination. We reserve the right to terminate this Agreement any time upon giving you oral or written notice of such termination. If mailed, such notice shall be deemed given when deposited in an authorized United States mail depository addressed to you at the current address shown on our records. Termination of the Agreement by us will not relieve you of any of your obligation under the Agreement existing prior to termination.
    3. Cards. Your Card(s) are the property of the Iowa State Bank of Clarksville. You agree to surrender all Card(s) to us upon request.
    4. PIN Security. You agree not to disclose or otherwise make your Card or Personal Identification Number (PIN) available to anyone without our prior written consent. For security reasons, we ask that you not write your PIN on your Card or keep it in the same location as your Card.



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100 North Main St., Clarksville, IA 50649, 777.888.9012