• $50.00 Checking Offer
• Sign-up for Online Statements
• Online Loan Applications 

THE FAHEY BANKING COMPANY 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.

Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or employers (payroll and pension plans)) 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 - types of transfers - Your check can result in an electronic funds transfer. This can happen in several ways. For example:

• You can purchase goods or pay for services and authorize a merchant or service provider to convert your check into an electronic funds transfer.
• At the time you offer a check to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event the check is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer.

Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign.

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

Fahey Account Access Line Telephone Transfers - types of transfers - You may access your account by telephone at 740-382-8234 using your personal identification number, a touch tone phone, your account numbers, and your social security number, 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
• make payments from checking to loan accounts with us
• make payments from savings to loan accounts with us
• get information about:
  • the account balance of checking, savings, CDs, and loan accounts
  • the last six credits, debits, direct deposits, and ATM transactions

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.
(You will need the last four digits of your social security number the first time using the Account Access Line. When transferring funds, both accounts must have the same social security number. Four-digit social security number must be changed before transfer is allowed.)

ATM Transfers - PLUS and PULSE Networks - types of transfers - You may access your account(s) by ATM using your ATM card and personal identification number or Visa Debit Card and personal identification number, to:

• make deposits to checking account(s) with an ATM card
• make deposits to checking account(s) with a Visa Debit Card
• make deposits to savings account(s) with an ATM card
• make deposits to savings account(s) with a Visa Debit Card
• get cash withdrawals from checking account(s) with an ATM card
• get cash withdrawals from checking account(s) with a Visa Debit Card
• get cash withdrawals from savings account(s) with an ATM card
• get cash withdrawals from savings account(s) with a Visa Debit Card
• transfer funds from savings to checking account(s) with an ATM card
• transfer funds from savings to checking account(s) with a Visa Debit Card
• transfer funds from checking to savings account(s) with an ATM card
• transfer funds from checking to savings account(s) with a Visa Debit Card

ATM and Visa Debit Card Limitations and Charges - Using your:

• ATM Card - The default dollar limitation is $500.00 per day. Other dollar limits must be approved at card issuance.
• Visa Debit Card - The default dollar limitation is $1,000.00 per day. Other dollar limits must be approved at card issuance.
• We will charge you $1.00 for each ATM or Visa Debit Card transaction you perform at any ATM/Point-of-Sale machine we do not own or operate.
• Other charges may apply depending on what type of checking/savings account you maintain.
• get information about:
• the account balance of your checking account(s)
  • with an ATM card
  • with a Visa Debit Card
• the account balance of your savings accounts
  • with an ATM card
  • with a Visa Debit Card

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 ATM Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution. There may be fees associated with these types of transactions.

Point-of-Sale Transactions - ATM Card dollar limitations - Using your card:

• you may not exceed $500.00 in transactions per day

Types of Visa® Debit Card Point-of-Sale 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).

Point-of-Sale Transactions - Visa Debit Card dollar limitations - Using your card:

• you may not exceed $1,000.00 in transactions per day

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

Fahey Bank Online Computer Transfers - types of transfers and dollar limitations - You may access your account(s) by computer through the internet by logging onto our website at www.faheybank.com and using your password, your social security number, and your access key (used first time signed on), 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 line of credit to checking
  • you may transfer no more than your approved line of credit
• transfer funds from line of credit to savings
  • you may transfer no more than your approved line of credit
• make payments from checking to loan account(s) with us
• make payments from checking to third parties such as utility companies, other loan accounts, insurance, property taxes using our bill pay service. Additional fees will apply.
• make payments from savings to loan account(s) with us
• make payments from savings to third parties
• get information about:
  • the account balance of checking account(s)
  • statement activity on checking accounts (current and previous two months)
  • the account balance of savings account(s)
  • statement activity on savings accounts (current and previous two months)
  • account balance of CDs, IRAs and loans

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

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 Savings or Treasury Indexed Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per statement cycle. If you exceed the transfer limitations set forth above, your account shall be subject to closure. 
• Transfers from a Regular Savings account (monthly) to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to two per month with no transfers by check, debit card or similar order to third parties.
• Transfers from a Regular Savings account (quarterly) to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per quarter with no transfers by check, debit card or similar order 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 fund 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).

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, the person or company making the deposit will tell you every time they send us the money.
• 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 740-382-8231, or Account Access Line at 740-382-8234 or use our online banking at www.faheybank.com 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 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.

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.
  We will charge you $30.00 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 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
3. in order to comply with government agency or court orders; or
4. as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

* Generally. Tell us AT ONCE if you believe your card and/or code 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 overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, 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 2 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, 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 Visa® 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 Visa® 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.

(b) Contact in event of unauthorized transfer. If 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.

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 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 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 for 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.

THE FAHEY BANKING COMPANY
OPERATIONS CENTER
123 NORTH MAIN STREET
MARION, OHIO 43302-3072
Business Days: Monday through Saturday
Excluding Federal Holidays
Phone: (740) 382-8231

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

ADDITIONAL INFORMATION

In addtion to making Visa transactions, your Visa debit card also allows you to conduct non-Visa transactions on the PULSE debit network, which will generally require you to enter your PIN, such as at an ATM or at a merchants point of sale.  Some merchants are authorized to accept non-Visa debit transactions without requiring you to enter your PIN.  For example, a non-Visa debit transaction that does not require you to enter your PIN is initiated when you use your debit card to pay a bill online through a merchants website.

If you choose to sign to authorize a debit transaction, then the tranaction will be routed as a Visa transaction.  For example, if a merchant allows you to choose between debit or credit and you choose the credit option, then you will sign an authorization form and your transaction will be processed a Visa transaction.  If you choose debit, then your transaction is processed as a non-Visa transaction.  Provisions of your cardholder agreement that specifically relate to Visa transactions (such as zero liability) do not apply to non-Visa debit transactions.

© 1989 Bankers Systems, Inc., St. Cloud, MN Form ETM-BRO     8/19/92     Custom 2ac     CAB632