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 Funds Transfers Initiated by Third Parties

You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or received 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 bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank 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 funds transfers. Examples of these transfers include, but not limited to:

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

Telebanker Telephone Transfers

If you have requested access to Telebanker, you may access your account by telephone 24 hours 7 days a week by calling 1-877-252-3084. To use Telebanker, you will need a touch-tone phone, account number in question, and your personal access code to:

• transfer funds from checking to checking
• transfer funds from checking to savings
• transfer funds from savings to checking
• transfer funds from savings to savings
• place a stop payment on a single check
• place stop payments on a range of check items

For security, we request that you change your personal access code within 48 hours of opening your account. If the personal access code has not been changed within 30 days, Telebanker will be inactivated

ATM transfer types, limitations, and fees - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number to:

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

• get cash withdrawals from checking account(s) with an ATM card
  • you may not exceed the daily ATM withdrawal limit set on your card
  • there is an ATM withdrawal service charge per withdrawal at ATMs we do not operate.
• get cash withdrawals from checking account(s) with a debit card
  • you may not exceed the daily ATM withdrawal limit set on your card
  • there is an ATM withdrawal service charge per withdrawal at ATMs we do not operate.
• get cash withdrawals from savings account(s) with an ATM card
  • you may not exceed the daily ATM withdrawal limit set on your card
  • there is an ATM withdrawal service charge per withdrawal at ATMs we do not operate.
• get cash withdrawals from savings account(s) with a debit card
  • you may not exceed the daily ATM withdrawal limit set on your card
  • there is an ATM withdrawal service charge per withdrawal at ATMs we do not operate.
• transfer funds from savings to checking account(s) with an ATM card
  • you may transfer no more than the funds currently available in your account
  • there is an ATM withdrawal service charge per withdrawal at ATMs we do not operate.
• transfer funds from savings to checking account(s) with a debit card
  • you may transfer no more than the funds currently available in your account
  • there is an ATM withdrawal service charge per withdrawal at ATMs we do not operate.
• transfer funds from checking to savings account(s) with an ATM card
  • you may transfer no more than the funds currently available in your account
  • there is an ATM withdrawal service charge per withdrawal at ATMs we do not operate.
• transfer funds from checking to savings account(s) with a debit card
  • you may transfer no more than the funds currently available in your account
  • there is an ATM withdrawal service charge per withdrawal at ATMs we do not operate.

Types of Debit Card Point-of-Sale Transactions

You may access the primary checking account linked to the card to purchase goods (online, in person or by phone), pay for services (online, in person or by phone), get cash from a merchant, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions

Dollar limitations - Using your card:

• you may not exceed the daily point-of-sale withdrawal limit set on your card

Currency Conversion

Except for specific accounts we do not allow international transactions to be processed on our ATM/Debit Cards.

Note: If an international card has been requested in conjunction with Duty First, Duty First CS, or Duty First CS II accounts, this statement would apply: Currency Conversion: When you use your 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, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Advisory Against Illegal Use

You agree not to use your card(s) for illegal gambling or other illegal purpose. 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.

Non-Visa Debit Transaction Processing.

We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The non-Visa debit network(s) for which such transactions are enabled are: STAR, AFFN, CIRRUS, DISCOVER, MAESTRO, PLUS AND JEANIE Networks. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

Online Banking Computer Transfers

Types of transfers - You may access your account(s) via the Internet 24 hours a day at www.ffsbky.com. Accessing the account requires a personal l user id and password, to:

• transfer funds from checking to checking
• transfer funds from checking to savings
• transfer funds from savings to checking
• transfer funds from savings to savings
• transfer funds from checking to loan
• transfer funds from savings to loan
• transfer from line of credit to checking
• transfer from line of credit to savings
• Pay bills online to third parties

Text Banking Transfers through Online Banking - If you have registered for text banking through online banking, you may access your account(s) via SMS 24 hours a day. Access to the feature is validated through your enrollment of online banking. Once validated, you may use the text banking feature to:
Transfer funds from a pre-selected transfer source account to a pre-selected primary text banking account

Mobile Banking - If you have registered for mobile banking, you may access your account(s) via the Internet 24 hours a day at www.ffsbky.com. To access your account(s) via mobile banking, you must enter your online banking login criteria. Once logged in, you will be able to:

• Transfer funds from checking to checking
• Transfer funds from checking to savings
• Transfer funds from savings to checking
• Transfer funds from savings to savings
• Transfer funds from checking to loan
• Transfer funds from savings to loan
• Transfer funds from line of credit to checking
• Transfer funds from line of credit to savings
• Pay bills from checking to third parties

FEES

• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.

Except as indicated elsewhere, we do not charge for these electronic funds transfers.

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).

• 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) 765-2131 or 1-800-314-2265 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 and money market accounts.
  • You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.
  • Passbook account. If you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you bought in your passbook

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 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.
  Please refer to the Retail Pricing Guide for the stop payment fee we will charge you for each stop-payment order you give.

• 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 that 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
3. in order to comply with government agency or court orders; or
4. as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

1. Consumer liability.
   • Generally. Tell us AT ONCE if you believe your card and/or personal identification number 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 2 business days, after you learn of the loss or theft, of your card and/or personal identification number, you can lose no more than $50 if someone used your card and/or personal identification number without your permission.

     If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or personal identification number, and we can prove we could have stopped someone from using your card and/or personal identification number 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, personal identification number, 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 periods.
   • Additional Limit on Liability for Debit 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 Debit Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISA® or to commercial cards.
2. Contact in event of unauthorized transfer.
   • If you believe your card and/or personal identification number has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure 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 brochure, 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 here 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 Debit card point-of-sale transaction 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 transactions) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Debit Card point-of-sale transactions 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 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.

For Point of Sale Withdrawals or ATM disputes, you would contact:

FIRST FEDERAL SAVINGS BANK
ELECTRONIC SERVICES DEPTARTMENT
2323 RING ROAD, P.O. BOX 5006
ELIZABETHTOWN, KENTUCKY 42702-5006

For External Withdrawal or Electronic Check disputes, you would contact:

FIRST FEDERAL SAVINGS BANK
DEPOSIT OPERATIONS
2323 RING ROAD, P.O. BOX 5006
ELIZABETHTOWN, KENTUCKY 42702-5006

Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (270) 765-2131 or 1-800-314-2265

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

PERSONAL IDENTIFICATION NUMBER (PIN)

The ATM PIN issued to you is for your security purposes. The numbers are confidential and should not be disclosed to third parties or recorded on the card. You are responsible for safekeeping you PIN(s). You agree not to disclose or otherwise make your ATM PIN available to anyone.

Notices - All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the address specified in the Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

Enforcements - In the event either party brings a legal action to enforce this agreement or collect amounts owing as a result of any Account transaction, the prevailing party shall be entitled to reasonable attorney's fees and costs, including fees on any appeal, subject to any limits under applicable law.

Termination of ATM Services - You agree that we may terminate this Agreement and your use of the ATM Card services if:

• You, or any authorized user of your ATM PIN breach this or any other agreement with us;
• We have reason to believe that there has been an unauthorized use of your ATM PIN;
• We notify you or any other party to your account that we have canceled or will cancel this agreement.

You or any other party to your account can terminate this agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this agreement will not affect the rights and responsibilities of the parties under this agreement for transactions initiated before termination.

CONDITIONS ON USE OF THE CARD

When you want to use your card to purchase goods or services from a merchant or to make a cash withdrawal from a financial institution, such merchant, company or financial institution may be required to obtain authorization for transactions over a certain dollar amount. As a security measure, we limit the amount, which may be withdrawn from your account by use of the card over certain periods of time. We may otherwise limit the use of your card at our discretion, and the privilege of using your card in no way constitutes an absolute right to withdraw funds from your account through the use of your card. If a transaction is approved, we reserve the right to, place a hold on your account, or your card, for the approved amount. This means we may not approve subsequent transactions, and we may not pay other items drawn on your account even if the approved transaction is not completed. We will have no liability to you if, as a result of holds placed on your account when we approve any authorized use of your card, we refuse to pay any check, draft or other item drawn on your account. We will also have no liability to you if we do not authorize your use of the card for any reason.

OVERDRAFTS

The card is not a credit card. If any sales draft originated by the use of your card results in an overdraft of your account, you will be notified and you agree to make immediate payment to us of the amount of such overdrafts together with such insufficient funds change and/or daily overdraft service charge as set forth in the account terms for your account or Retail Pricing Guide. Card privileges will be revoked if your account is overdrawn for 30 consecutive days. If you have overdraft protection, payment of overdrafts will be subject to the terms of the overdraft protection account agreement.

CLOSED ACCOUNTS

You agree to pay us immediately for the amount of any sales drafts, originated by the use of the card, which cannot be charged to your account because it is closed or the funds are otherwise unavailable for withdrawal. In which event, you also agree to immediately discontinue use of your card and return the card to us.

CANCELLATION

We may refuse to issue a card and we may revoke your card privileges with or without cause or notice, other than that required by Federal or State law. Your card at all times remains our property and may be repossessed by us at any time. Upon cancellation of cardholder privileges, you must surrender the card to our authorized agent or us. You agree not to use or attempt to use an expired, revoked or otherwise invalid card. If the card is used other than as permitted by this agreement, we may, at our option and without waiving any rights recognize the transactions and debit or credit your account accordingly. The cancellation of card privileges, by you or by us, does not affect other rights and privileges under the account terms for your account.

MISCELLANEOUS TERMS

1. We have no liability or responsibility if, for any reason, the card is not honored by any merchant, company, financial institution or other business establishment.
2. The account terms governing your checking account and savings account will continue to apply to any of your obligations to us and our responsibilities to you, which are not covered by this agreement.
3. The term "sales draft" as used herein means the document (paper or electronic) approved by us for use when a transaction is originated by a card.
4. We may rely upon your address, appearing on your application for the card, until we receive written notice of a change in address from you.
5. We may modify or amend this agreement, in whole or in part, upon reasonable written notice in compliance with Federal laws or regulations.
6. If any provision of this agreement is declared to be invalid by any court of law or appropriate regulatory body, the remaining provisions of the agreement shall not by affected thereby.
7. The descriptive headings of the agreement are for convenience only and shall not control or affect the meaning or construction of any to the provisions hereof.