Disclosures

CenterBank of Jacksonville, N.A.
P.O. Box 47715
Jacksonville, Florida 32247
(904) 348-3100

FUNDS AVAILABILITY POLICY DISCLOSURE

PURPOSE OF THIS DISCLOSURE
The information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal. This is our Funds Availability Policy. In summary our policy is to make your funds available on the second Business Day after the day of deposit. Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy.

For purposes of this disclosure, the terms "you"/"your" refer to the customer and the terms "our"/"we"/"us" refer to CenterBank of Jacksonville N.A. Generally, transaction accounts are accounts which would permit an unlimited number of payments by check to third persons, and also an unlimited number of telephonic and preauthorized transfers to third persons or other accounts you may have with us.

DETERMINING THE AVAILABILITY OF YOUR DEPOSIT
The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term "Business Day" means any day other than a Saturday, Sunday or federally declared legal holiday, and the term "Banking Day" means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.

If you make a deposit before the close of business on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

AVAILABILITY SCHEDULE
Same Day Availability. Funds from electronic direct deposits to your account will be available on the day we receive the deposit.

In addition, funds from deposits of cash (if made in person to an employee of CenterBank of Jacksonville N.A.*), and wire transfers, will also be available on the day of deposit.

Next Day Availability. Funds from deposits of U.S. Treasury checks (if payable to and deposited into your account), U.S. Postal Service Money Orders (if payable to you and deposited into your account, and deposit is made in person to an employee of CenterBank of Jacksonville N.A.*), Federal Reserve Bank or Federal Home Loan Bank checks (if payable to you and deposited into your account, and deposit is made in person to an employee of CenterBank of Jacksonville N.A.*), State or Local Government checks (if payable to you and deposited into your account, and deposit is made in person to an employee of CenterBank of Jacksonville N.A.* and you use a special deposit slip available from the teller department), Cashier's, Certified, or Teller's checks (if payable to you and deposited into your account, and deposit is made in person to an employee of CenterBank of Jacksonville N.A.* and you use a special deposit slip available from the teller department) and checks drawn on us are available the first Business Day after the day of your deposit.

* If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available no later than the second Business Day after the day of your deposit.

Other Check Deposits. Funds from all other check deposits will be available on the second Business Day after the day of your deposit. The first $100.00 of your deposits, however, will be available on the first Business Day after the day of deposit.

HOLDS ON OTHER FUNDS FOR CHECK CASHING
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it and we decided to delay availability on the deposit.

HOLDS ON OTHER FUNDS IN ANOTHER ACCOUNT
If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited and we decided to delay availability on the deposit.

LONGER DELAYS MAY APPLY
Funds you deposit by check may be delayed for a longer period under the following circumstances: (a) if we believe a check you deposit will not be paid; (b) if you deposit checks totaling more than $5,000 on any one day; (c) if you redeposit a check that has been returned unpaid; (d) if you have overdrawn your account repeatedly in the last six months; or (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment.

We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh Business Day after the day of your deposit. If you need the funds from the deposit right away, you should ask us when the funds will be available.

SPECIAL RULES FOR NEW ACCOUNTS
If you are a new customer, the following special rules will apply during the first 30 days your account is opened.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first Business Day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the seventh Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second Business Day after the day of deposit.

Funds from all other check deposits will be available on the seventh Business Day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES
If you make a deposit at an automated teller machine (ATM) that is owned and operated by us before 12:00 pm on a Business Day that we are open, we will consider the deposit made that day. However, if you make a deposit at an ATM that is owned and operated by us after 12:00 pm or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

We only allow deposits to be made at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

Updated March 1, 2010

CenterBank of Jacksonville, N.A.
P.O. Box 47715
Jacksonville, Florida 32247

(904) 348-3100

ELECTRONIC FUNDS TRANSFER DISCLOSURE

For purposes of this disclosure the terms "we", "us" and "our" refer to the Bank named above. The terms "you" and "your" refer to the recipient of this disclosure.

The Electronic Fund Transfer Act and Regulation E require Banks to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account and automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your CENTERBANK ATM Card or VISA DEBIT CARD at our automatic teller machines (ATMs) and any networks described below.

This disclosure contains important information about your use of electronic fund transfer (EFT) services provided by this Bank in relation to accounts established primarily for personal, family or household purposes. Please read this document thoroughly and retain it for future reference.

ELECTRONIC FUND TRANSFER SERVICES PROVIDED

SERVICES PROVIDED THROUGH USE OF CENTERBANK ATM CARD OR VISA DEBIT CARD
If you have received an electronic fund transfer card ("CENTERBANK ATM CARD" or "VISA DEBIT CARD") from us you may use it for the type(s) of services noted below, and the following provisions are applicable:

USING YOUR CARD AND PERSONAL IDENTIFACATION NUMBER (“PIN”) In order to assist us in maintaining the security of your account and the terminals, the CENTERBANK ATM CARD or VISA DEBIT CARD remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your CENTERBANK ATM CARD or VISA DEBIT CARD for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction. You agree not to use your CENTERBANK ATM CARD or VISA DEBIT CARD for a transaction that would exceed your account balance plus the available credit on any credit line attached to your account. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account, and you do agree to pay us the amount of the improper withdrawal or transfer upon request.

Your CENTERBANK ATM CARD may only be used with your PIN. Certain transactions involving your VISA DEBIT CARD require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify the Bank immediately if your CENTERBANK ATM CARD or VISA DEBIT CARD is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your CENTERBANK ATM CARD or VISA DEBIT CARD or to write your PIN on your CENTERBANK ATM CARD or VISA DEBIT CARD or on any other item kept with your CENTERBANK ATM CARD or VISA DEBIT CARD. We have the right to refuse a transaction on your account when your CENTERBANK ATM CARD or VISA DEBIT CARD has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.

The security of your account depends upon your maintaining possession of your CENTERBANK ATM CARD or VISA DEBIT CARD and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN by contacting CenterBank’s CallCenter at (904) 348-3100.

ATM SERVICES
The following services are available through use of your CENTERBANK ATM CARD and VISA DEBIT CARD.

You may withdraw cash from your checking account(s), savings account(s), money market account(s), NOW account(s), and credit card(s).

You may make deposits into your checking account(s), savings account(s), money market account(s), NOW account(s).

You may transfer funds between your checking and savings accounts, checking and money market accounts,
checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.

You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and NOW account(s).

NETWORK. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions. For example, you may not be able to make deposits or transfer funds at ATMs located out of state.

Besides being able to use your CENTERBANK ATM CARD or VISA DEBIT CARD at our CenterBank ATM terminals, you may access your accounts through the following networks: STAR, CIRRUS, VISA, PLUS.

ATM FEES. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

POINT OF SALE TRANSACTIONS
You may use your CENTERBANK ATM CARD or VISA DEBIT CARD to purchase goods and services from merchants that have arranged to accept your CENTERBANK ATM CARD or VISA DEBIT CARD as a means of payment (these merchants are referred to as "Participating Merchants"). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your CENTERBANK ATM CARD or VISA DEBIT CARD, including any purchase where you receive cash, are referred to as "Point of Sale" transactions and will cause your “designated account” to be debited for the amount of the purchase. The “designated account” for your CENTERBANK ATM CARD transactions is you checking account. The “designated account” for VISA DEBIT CARD transactions is your checking account.

In addition, your VISA DEBIT CARD may be used at any merchant displaying the VISA® debit cards for the purchase of goods and services. Your card may also be used to obtain cash from your checking account at participating financial institutions.

Each time you use your CENTERBANK ATM CARD or VISA DEBIT CARD the amount of the transaction will be debited from your designated account. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for the CENTERBANK ATM CARD or VISA DEBIT CARD transactions. We may, but do not have to, allow transactions which exceed your available account balance or available overdraft protection. If we do, you agree to pay the overdraft. You also agree to pay overdraft charges in effect from time to time for each transaction which causes your available account balance or available overdraft protection to be exceeded.

CURRENCY CONVERSION. When you use your VISA DEBIT CARD at a merchant that settles in currency other than US dollars, the charge will be converted into US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is the rate selected by Visa from a 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 government-mandated rate in effect 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 the posting date.

IMPORTANT ADDITIONAL FEE NOTICE: Visa charges an International Service Assessment Fee of 1.000% of the transaction on all cross-border transactions (even those with no currency conversion). Therefore, you will be charged 1.000% of the dollar amount on all cross-border transactions processed through Visa when the country of the merchant or machine is different than your country, as cardholder.

SERVICES PROVIDED THROUGH USE OF TELEPHONE BANKING
You perform the following functions through use of TELEPHONE BANKING.

You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, NOW accounts and money market accounts, Checking/Savings and Loan accounts, and Loan Accounts and Checking/Savings.

You may make balance inquiries on your checking account(s), your savings accounts(s), your money market account(s), your NOW account(s), Certificates of Deposit, and Loans.

You may make payments on consumer loans, home mortgage loans, home equity loans, and revolving credit lines that you have with us. You may change your PIN via the telephone.

PREAUTHORIZED TRANSFER SERVICES
You may arrange for the pre-authorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), and NOW account(s).

You may arrange for the pre-authorized automatic payment of bills from your checking account(s), savings account(s), money market account(s), and NOW account(s).

SERVICES PROVIDED THROUGH USE OF INTERNET BANKING

This Bank offers its customers an Internet Banking (Home Banking) service. This service permits you to perform the following transactions using your home computer:

Internet Banking, Bill Payment, Business Internet Banking

LIMITATIONS ON TRANSACTIONS

TRANSACTION LIMITATIONS - CENTERBANK ATM CARD
CASH WITHDRAWAL LIMITATIONS You may withdraw up to $300.00 through use of ATMs in any one day.

POINT OF SALE LIMITATIONS -
You may buy up to $300.00 worth of goods or services each day through use of our Point of Sale service.

TOTAL DAILY LIMITS- In addition to the ATM limit or Point of Sale limits disclosed above, a total daily limit is imposed on these transactions. The maximum amount of cash withdrawals and Point of Sales transactions is limited to $300.00 in any one day.

TRANSACTION LIMITATIONS – VISA DEBIT CARD
CASH WITHDRAWAL LIMITATIONS You may withdraw up to $300.00 through use of ATMs in any one day.

POINT OF SALE LIMITATIONS -
You may buy up to $300.00 worth of goods or services each day through use of our Point of Sale service.

TOTAL DAILY LIMITS- In addition to the ATM limit or Point of Sale limits disclosed above, a total daily limit is imposed on these transactions. The maximum amount of cash withdrawals and Point of Sales transactions is limited to $300.00 in any one day.

OTHER LIMITATIONS
The terms of your account(s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.

We reserve the right to impose limitations for security purposes at any time.

LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS Federal regulation limits the number of telephonic transfers and pre-authorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six such transfers from each money market and/or savings type account(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone.

NOTICE OF RIGHTS AND RESPONSIBILITIES

The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

RIGHT TO RECEIVE DOCUMENTATION OF YOUR TRANSFERS
TRANSACTION RECEIPTS
Upon completing a transaction at an ATM you will receive a printed receipt documenting the transaction (unless you have chosen not to get a paper receipt or the transaction is less than $15.00). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your CENTERBANK ATM CARD or VISA DEBIT CARD at a Participating Merchant. If the transaction is $15.00 or less the Participating Merchant is not required to provide a receipt.

PERIODIC STATEMENTS
If your account is subject to receiving a monthly statement all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.

PREAUTHORIZED DEPOSITS
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 (904) 348-3100 to find out whether or not the deposit has been made.

RIGHTS REGARDING PREAUTHORIZED TRANSFERS
RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular pre-authorized transfers out of your account, you may stop any of the payments. To stop a payment,
call us at: (904) 348-3100

or write to:
CenterBank of Jacksonville, N.A.
P.O. Box 47715
Jacksonville, FL 32247

We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

NOTICE OF VARYING AMOUNTS
If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. 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.

OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS
If you order us to stop one of the payments and have provided us with the information we need within three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

ELECTRONIC CHECK CONVERSION
You may authorize a merchant or other people to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT
If you believe your CENTERBANK ATM CARD or VISA DEBIT CARD or PIN or internet banking access code has been lost or stolen,

call us at: (904) 348-3100 (9:00 a.m. – 5:00 p.m.)

or write to:
CenterBank of Jacksonville, N.A.
P.O. Box 47715
Jacksonville, FL 32247

After hours, Weekends and Holidays
Please contact (800) 236-2442

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

CONSUMER LIABILITY
Tell us at once if you believe CENTERBANK ATM CARD or VISA DEBIT CARD or PIN or internet banking access code has been lost or stolen or if you believe a transfer has been made using the information from your check without your permission. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your CENTERBANK ATM CARD or VISA DEBIT CARD or PIN , you can lose no more than fifty dollars ($50) if someone used your CENTERBANK ATM CARD or VISA DEBIT CARD or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your CENTERBANK ATM CARD or VISA DEBIT CARD or PIN and we can prove we could have stopped someone from using your CENTERBANK ATM CARD or VISA DEBIT CARD or PIN without your permission if you had given us notice, you can lose as much as five hundred dollars ($500).

Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING VISA DEBIT CARD
The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your VISA DEBIT CARD with the VISA® logo. These limits apply to unauthorized transactions processed on the VISA® Network.

If you notify us about an unauthorized transaction involving your VISA DEBIT CARD, and the unauthorized transaction took place on the VISA® Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or you VISE DEBIT CARD. The zero liability provision do not apply to PIN-base transactions not processed by the VISA® Network, including ATM transactions.

Your liability for unauthorized transactions with your VISA DEBIT CARD that involve PIN-based transactions not processed by the VISA® Network, including ATM transactions, are described under "Consumer Liability" above.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS
In case of errors or questions about your electronic fund transfers,
call us at: (904) 348-3100

or write to:
CenterBank of Jacksonville, N.A.
P.O. Box 47715
Jacksonville, FL 32247

or use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact the Bank no later than 60 days after it sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:

• Your name and account number.
• A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
• The dollar amount of the suspected error.

If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) 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 (ninety (90) days for new accounts and foreign initiated or point of sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty business (20) days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes 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. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) calendar days after the first deposit to the account is made, including those for foreign initiated or point of sale transactions. VISA’s® cardholder protection policy requires that we provide provisional credit for losses from unauthorized VISA® Check Card use within five (5) business days of notification of the loss.

We will tell you the results within three (3) 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.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION
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 as provided by law. However, there are some exceptions. We will NOT be liable, for instance:

• If through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
• If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
• If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
• If we have terminated our Agreement with you.
• When your CENTERBANK ATM CARD or VISA DEBIT CARD has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.
• If we receive inaccurate or incomplete information needed to complete a transaction.
• In the case of pre-authorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
• If the funds in the account are subject to legal action preventing a transfer to or from your account.
• If the electronic terminal does not have enough cash to complete the transaction.
• There may be other exceptions provided by applicable law.

CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS
We reserve the right to impose a fee and to change fees upon notice to you.

DISCLOSURE OF ACCOUNT INFORMATION
You agree that merchant authorization messages transmitted in connection with point of sale transactions are permissible disclosures of account information, and you further agree to release the Bank and hold it harmless from any liability arising out of the transmission of these messages.

We will disclose information to third parties about your account or electronic fund transfers made to your account:

• When necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
• 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
• With your consent.

DEFINITION OF BUSINESS DAY
Business days are Monday through Saturday excluding holidays.

NOTICE OF ATM SAFETY PRECAUTIONS
SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE
Please keep in mind the following basic safety tips whenever you use an ATM:

• Have your CENTERBANK ATM CARD or VISA DEBIT CARD ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms at home for this purpose.
• If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly.
• If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction.
• Do not use ATMs at night unless the area and machine are well lighted. If the lights are out, go to a different location.
• If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around.
• When using the machine, stand so you block anyone else's view from behind.
• If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors.
• Do not stand at the ATM while counting cash. Check that you received the right amount later in a secure place and reconcile it to your receipt then.
• Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.

ADDITIONAL PROVISIONS

Your account is also governed by the terms and conditions of other applicable agreements between you and the Bank.

You agree not to reveal your PIN to any person not authorized by you to access your account.

Updated March 26, 2009

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