Regulation E

The services available using your ATM Card and personal identification number, ATM/Visa Check Card and personal identification number, or HSA Card and personal identification number, are described below:

• get cash withdrawals from your checking, savings, and money market account(s) with an ATM/Visa Check Card
• get cash withdrawals from your checking account with a HSA Card
• make deposits into your checking, savings, money market account(s) with an ATM Card and ATM/Visa Check Card at some of the Community First Bank ATMs, visit www.cfbank.com for locations
• transfer funds between your checking and savings accounts, checking and money market accounts, savings and money market accounts with an ATM Card and ATM/Visa Check Card
• make balance inquiries on your checking, savings, and money market account(s) with an ATM Card and ATM/Visa Check Card
• make balance inquiries on your checking account with a HSA Card
• make payments from your checking account(s) with an ATM/Visa Check Card
• purchase goods and services at any merchant that accepts VISA with an ATM/VISA Check Card and HSA Card (see Point of Sale Transactions)
• PIN-LESS DEBIT TRANSACTIONS - When you use your ATM/VISA Check Card or HSA Card on the PULSE Network the transaction may be processed as a debit transaction without requiring a PIN. Transactions that are completed as PIN-LESS will not be processed by VISA and may post to your account as an ATM or Debit transaction rather than a VISA purchase. The provisions of the VISA cardholder agreement that relate only to VISA transactions are not applicable to non-VISA transactions. Transaction completed as PIN-LESS debit transaction include, but may not be limited to: government payments, utilities, and property management fees.

• Network. Some of these services may not be available at all terminals. Besides Community First Bank ATM terminals, you may access your accounts through the following networks: PULS, PLUS, and VISA
• 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).

You may access your account by telephone at 800-485-2871 or 608-375-4900 using your personal identification number, a touch tone phone, and your account numbers to:

• transfer funds from checking to checking or savings accounts, checking and money market accounts, savings and money market accounts with us
• make balance inquiries on your checking, savings, and money market account(s) with us
• activate or deactivate your ATM or ATM/VISA Check Card with us
• review the last 30 days of transactions on accounts with us

You may access your account(s) by computer through the internet by logging onto our website at www.cfbank.com and using your personal identification number, password, and multifactor authentication to:

• transfer funds between your checking and savings accounts, checking and money market accounts, savings and money market accounts, line of credit to checking or savings account(s), checking to loan account, and savings to loan account with us
• make payments from checking to third parties (Bill Pay)
• initiate Person to Person transfers (Bill Pay)
• make balance inquiries on your account(s) with us
• review the last 30 days of transactions on accounts with us

You may access your account(s) through the browser on your cell or mobile phone at www.cfbank.com or by downloading our mobile banking app and using your personal identification number, user identification, and multifactor authentication to:

• transfer funds from checking to checking or savings accounts, checking and money market accounts, savings and money market accounts, line of credit to checking or savings account(s), checking to loan account, and savings to loan account with us
• make payments from checking to third parties (Bill Pay)
• make mobile check deposits into your checking, savings, and money market account(s) with us
• initiate Person to Person transfers (Bill Pay)
• make balance inquiries on your account(s) with us
• review the last 30 days of transactions on accounts with us

You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges.

• You may arrange for preauthorized deposit of funds to your checking, savings, and money market account(s)
• You may arrange for preauthorized payments or  transfers from your checking, savings, and money market 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

DOCUMENTATION

• Transaction Receipts. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.
• 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. You can call Community First Bank at 608-375-4117 or 800-485-2871 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, savings, and money market accounts.

• 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. Call or write us at the telephone number or address listed below 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 our separate Fee Schedule for the amount we will charge you for each stop-payment order you give.
• Notice of varying amounts. If these regular payments 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.

• If you believe you Card and/or PIN or FirstNet Banking PIN/Password have been lost or stolen, call us at (855) 293-2456 (24 hours 7 days a week). You should also call if you believe a transfer or transaction has been made using the information from your check without your permission.

Tell us AT ONCE if you believe your Card and/or PIN or FirstNet Banking PIN/Password have 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, you can lose no more than $50 if someone used your card and/or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft, and we can prove we could have stopped someone from using your card and/or PIN or FirstNet Banking PIN/Password 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, code 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.

CONSUMER LIABILITY FOR UNAUTHOTIZED TANSACTION INVOLVING ATM/VISA CHECK CARD AND HSA CARD. Different limitations apply to certain transactions involving your card with the VISA logo. These limits apply to unauthorized transactions processed on the VISA or PLUS Network.

If you notify us about an unauthorized transaction involving your card with the VISA logo and the unauthorized transaction took place on the VISA or PLUS network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such transactions to the amounts described under "Consumer Liability" if we determine, that you have been negligent or fraudulent in the handling of your account or your card with the VISA logo, you were proved to have participated in the transactions, or both. The zero liability provisions do not apply to PIN-based or PIN-LESS transactions not processed by the VISA or PLUS network, including ATM transactions outside the United States.

Your liability for unauthorized transactions with your card with the VISA logo that involve Pin-based or PIN-LESS transactions not processed by the VISA or PLUS Network including ATM transactions, are described under "Consumer Liability" above.

ILLEGAL USE OF CARDS. You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that the transactions are lawful in all jurisdictions in which the cardholder may be located.

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. 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. If we have terminated our Agreement with you.
7. When your card has been reported lost or stolen or we have reason to believe that something is wrong with the transaction.
8. If we receive inaccurate or incomplete information needed to complete a transaction.
9. In the case a preauthorized transfer, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
10. If the funds in the account are subject to legal action preventing a transfer to or from your account.

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

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

1. where it is necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); 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. if you give us permission in a record or writing.

We may charge or amend any of the terms and conditions of the Agreement and those portions of the applicable Fee Schedule which relate to EFT services, at any time upon at least 30 days written notice to you prior to the effective date of the change or amendment. If you do not agree to abide by a change or amendment, you must notify Community First Bank of the fact prior to the effective date of the change or amendment and cancel this Agreement. Community First Bank may cancel this Agreement at any time, without giving you prior notice. If you or Community First Bank cancels this Agreement at any time, you shall surrender any card and you may no longer use any of Community First Bank's EFT services other than automated clearing house transfer services.

In Case of Errors or Questions About Your Electronic Transfers, call, email, or write us at the information listed below, 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. You must contact Community First Bank no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Be prepared to provide the following:

1. Tell us your name and account number.
2. Describe the error or transaction 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.