We shall make available to you, and, by entering into this Agreement, you shall be entitled to use the ATM electronic banking communication system (the "System") to use your accounts with us at electronic banking terminals or at any device which we announce from time to time that accept your ATM Card for the types of transactions described in the accompanying enclosure.

You shall be liable for all transactions made by you or by any person you authorize or otherwise permit to use your ATM Card.

We will disclose information to third parties about your 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; or (4) if you give us your written permission.

The term "available funds" as used in this Agreement and for related banking services shall mean (a) collected funds on deposit in your checking account(s) designated by you, plus any funds available to be transferred automatically from your non-passbook savings account(s) to your designated checking account(s) under a separate agreement with us, plus the unused portion of any line of credit available for automatic transfer to your designated checking account(s) under a separate agreement with us, or (b) collected funds in your non-passbook savings account(s) designated by you. In no event shall we be obligated to pay or transfer anything other than available funds under this Agreement.

Tell us AT ONCE if you believe your ATM Card or your Personal Identification Number (PIN) 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 two business days, you can lose no more than $50 if someone used your ATM Card or your PIN without your permission. MasterCard and/or Visa Check Card Rules apply for liability on unauthorized use of Debit Card. If you do not tell us within two business days after you learn of the loss or theft of your ATM Card or your PIN, and we can prove we could have stopped someone from using your ATM Card or PIN 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.

If you believe your ATM Card or your PIN has been lost or stolen or that someone has transferred money from your account without your permission, call us at the telephone number listed in the accompanying enclosure.

If we do not complete a transfer to or from your account on time or in the correct amount according to agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance (a) if through no fault of ours, you do not have enough money in your account to make the transfer; (b) if the transfer would go over the credit limit on your overdraft line; (c) if the automated teller machine where you are making the transfer does not have enough cash; (d) if the terminal or system was working properly and you knew about the breakdown when you started the transfer; or (e) if circumstance 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.

In case of errors or questions about your electronic transfer, telephone us or write us at the telephone number or address set forth in the accompanying enclosure, as soon as you can. If you think your statement 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; and (3) Tell us the dollar amount of the suspected error.