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 receive 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. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution 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:

• 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 provide your check to a merchant or service provider who will scan the check for the encoded financial institution and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer.
• Electronic returned check charge
  You may authorize a merchant or service provider to electronically collect a charge in the event a check is returned for insufficient funds.

Two Rivers Bank and Trust Telephone Banking Transactions

You may access your account by telephone using your account number(s), personal identification number (PIN), touch tone phone and social security number (first time use only) 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 loans with us
• Make payments from savings to loans with us
• Get balance information about checking or savings
• Get withdrawal history about checking or savings
• Get deposit history about checking or savings
• Get transaction history about checking or savings
• You may access your account for telephone transactions at the following number(s):

1-866-863-5819 (24 hours a day)

Two Rivers Bank and Trust ATM Card transactions

You may access your account(s) by ATM at:

Two Rivers Bank and Trust , 4500 Merle Hay Rd., Des Moines, Iowa using your Two Rivers Bank and Trust ATM Card and your personal identification number (PIN) to:

• Deposit funds to checking or savings
• Withdraw cash from checking or savings
• Transfer funds from checking to savings
• Transfer funds from savings to checking
• Get balance information about checking or savings
• Point of Sale Transactions

Type of Point of Sale Transactions

You may access your checking or savings account(s) to purchase goods (in person) and pay for services (in person) at SHAZAM® locations only.

Dollar Limitations - Using your card, you may not exceed $2,500.00 per day in combination with ATM withdrawals.

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

Two Rivers Bank and Trust Debit Card Point of Sale Transactions

You may access your checking or your savings account(s) by debit card to:

• Purchase goods in person or by phone
• Pay for services in person or by phone
• Get cash from a participating merchant
• Do anything that you can do with a credit card

Premier Online Banking

You may access your accounts by computer at http://www.tworiversbank.com/ using your User ID and Password to:

• Transfer funds from checking to checking
• Transfer funds from checking to savings
• Transfer funds from savings to savings
• Transfer funds from savings to checking
• Make payments from checking to loans with us
• Make payments from savings to loans with us
• Get balance information about checking, savings, certificates of deposit, line of credit or loans
• Get withdrawal history about checking, savings or certificates of deposit
• Get deposit history about checking or savings
• Get transaction history about checking, savings, certificates of deposit, line of credit or loans
  

Limits and Fees

Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers.

ATM Operation/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.
• You can call us at (515) 331-3304 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 or savings accounts.

If you do not have a checking account with us, you will get a monthly account statement from us for your savings account, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. If you have a checking account with us, you will get a monthly account statement from us for your checking and savings accounts.

PREAUTHORIZED PAYMENTS
Right to Stop Payment and Procedures

If you have told us in advance to make regular payments out of your account, you can stop any of these payments.

Call us or write us at the telephone number and address listed at the bottom of this page in time for us to receive your request three 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.

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 three business days or more before the transfer is scheduled, and we do not do so, we may be liable for your losses or damages.

OUR 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 may 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 the transfer would go over the credit limit on your overdraft 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 know 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 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:
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 agencies or court orders; or
4. If you give us written permission.

Unauthorized Transfers

(a) Consumer Liability. (1) 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 of 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 card 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 two 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 can 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 may extend the time period.

(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 on this page.

ERROR RESOLUTION NOTICE

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed on this page, 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. You will need to:

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.
4. 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 (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 or point-of-sale transaction or a foreign initiated transfer) to investigate your compliant or question. If we decide to do this, we will credit your account within 10 business days (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 questions 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 you already had 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.

CONTACT INFORMAITON

If you have inquiries regarding your account, please contact us at:

Two Rivers Bank and Trust
4400 Westown Parkway, Suite 304
West Des Moines, IA 50266
Business Days: Monday through Friday
Excluding Federal Holidays
Phone (515) 331-3304
More Detailed Information is Available on Request
Notice of ATM/Night Deposit Facility User Precautions

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

1. Prepare for your transactions at home (for instance by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
3. Compare your records with the account statements you receive.
4. Don't lend your ATM card to anyone.
5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
7. Prevent others from seeing you enter your PIN by using your body to shield their view.
8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkway) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
10. Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
12. Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us now if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

More detailed information is available on request.