TERMS AND CONDITIONS OF THE ACCOUNT Application — I agree to the conditions printed below. By signing this document I have requested that the Bank open a regular non- interest bearing account and I have received a copy of the Dollar$$$ Direct account disclosures and fee schedule and agree to be bound by them. The terms contained in the Dollar$$$ Direct account disclosure and fee schedule constitute a part of the agreement between myself and the Bank and are incorporated herein by reference. This agreement is governed by applicable federal laws and the laws of the Commonwealth of Kentucky. I authorized this Bank and any agents thereof to make and conduct any and all inquiries of whatever nature concerning my credit history and information contained in this application. In the event that this application is denied by the Bank, I authorize the Bank to advise the EFD of the reasons for which my Dollar$$$ Direct application was denied for the sole purpose of communicating that information to me. Deposits and Withdrawals — 1.) Cashier’s Check: I acknowledge that this account is being established solely for the purpose of receiving payment by electronic funds transfer. Funds availability is governed by the terms contained in the Dollar$$$ Direct account disclosure and fee schedule. The Bank accepts no responsibility for payment of checks which are presented the same day deposits are made, unless there is already a sufficient balance to the depositor’s credit in addition to such deposits. Once funds are available, they can be withdrawn by the issuance of a cashier’s check made payable to the account holder in the amount of the current account balance. I authorize the Bank to arrange delivery of my monthly or other periodic check to the EFD, my agent, and absolve the Bank from any and all liability should the EFD fail to deliver the checks to me. I hereby appoint the EFD as my agent for purposes of receiving from the Bank and delivering to me my monthly or other periodic check(s). I hereby release, absolve and forever discharge the Bank from any and all liabilities whatsoever as a result of: (i) the failure of the EFD to deliver my monthly or other periodic check(s) to me; or (ii) the fraudulent endorsement or negotiation of my monthly or other periodic check(s). In the event of the occurrence of the events described at (i) and (ii) of this paragraph, I acknowledge that the only claims I have are against the EFD, and not the Bank. 2.) Dollar$$$ Direct Debit Card: I acknowledge that this account is being established solely for the purpose of receiving payment by electronic funds transfer. Funds availability is governed by the terms contained in the Dollar$$$ Direct account disclosure and fee schedule. The Bank accepts no responsibility for payment of checks which are presented the same day deposits are made, unless there is already a sufficient balance to the depositor’s credit in addition to such deposits. Once funds are available, they can be withdrawn by the use of the Dollar$$$ Direct Debit Card issued to the account holder in the amount of the current account balance. Amendment and Termination — The Bank may vary or amend the terms of this agreement at any time and for any reason by complying with the notification terms provided in the Dollar$$$ Direct Account disclosures and fee schedule. I acknowledge that the Bank can elect to close my account at its discretion. The Bank shall not be liable to pay any checks or transactions presented after the account is closed. The Bank may close the account at any time by mailing a notice and a check for the balance in the account to the account holder. I may close this account at any time by providing written notice to the Bank at the address provided. Telephone requests or requests by the EFD to terminate an account will not be honored. Upon termination the Bank will close the account and mail a check for the balance in the account to the account holder. Lost Card- I acknowledge that if my card is lost or stolen, I am aware of the $25 replacement fee. If the PIN is lost or stolen, the card again must be replaced, resulting in the same $25 fee. Further terms and conditions as applicable to the debit card can be found on the page headed Dollar$$$ Direct DEBIT CARD ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT RIVER CITY BANK. Stop Payment — If I request the Bank to stop payment on any item, I agree to furnish the Bank with the exact amount, date, number, name of payee, and other information pertaining to the item as you may request and failure to furnish this information will relieve the Bank of any liability for any payment made contrary to the request. I agree to reimburse the Bank for all expenses and losses resulting from refusing payment pursuant to my order. I understand that I may not request a stop payment on my disbursement check which is a cashier’s check. If I wish the Bank to issue another check for one lost, stolen, or destroyed I must follow the procedures outlined in KRS 355.3-312. I may contact the Bank for further information about these procedures. Fees and charges — I authorize the Bank to deduct from the proceeds of my monthly or other periodic disbursement, all fees and charges related thereto as described in the Dollar$$$ Direct account disclosures and fee schedule. I further authorize the Bank to pay all of the fees and charges due to the EFD upon receipt by the Bank of the Direct Deposit. Setoff — The Bank may exercise its right of setoff, where legally permissible, against this account for the payment of any and all debts or a portion thereof which I owe to the Bank. Change in Address — I agree to notify the Bank immediately of any change in my address or telephone number. I may send a notice of this change to the Bank’s address at the head of this agreement. Change in Status — I agree that in the event that I receive any correspondence from the federal government or an agency or instrumentality thereof regarding my eligibility for the above-claimed government payments, I will immediately contact the Bank. Terms of Collection — Items received for deposit of collection are accepted on the following terms and conditions. This Bank acts only as depositor’s collecting agent and assumes no responsibility beyond its exercise of due care. All items are credited subject to final payment and to receipt of proceeds of final payment in cash or solvent credits by this Bank at its own office, and this Bank may decline payment of any check drawn against items so credited until receipt of such cash or solvent credits. This Bank may forward items to a correspondent and shall not be liable for default or negligence of the correspondent selected with due care nor for losses in transit. Items and their proceeds may be handled by any Federal Reserve Bank in accordance with applicable Federal Reserve rules and by this Bank or any correspondent in accordance with any common bank usage, with any practice or procedure that a Federal Reserve Bank may use or permit another bank to use, or with any other lawful means. This Bank may charge back any item drawn on this Bank which is ascertained to be drawn against insufficient funds or otherwise not good or payable. Taxpayer Identification Number — Under penalty of perjury, I certify (i) that the number shown on this application is my correct taxpayer identification number and (ii) that I am not subject to back-up withholding, either because I have not been notified of back-up withholding as a result of failure to report all interest or dividends, or the Internal Revenue Service has notified me that I am no longer subject to back-up withholding. (Instructions to signatory: If you have been notified by the IRS that you are subject to back-up withholding due to notified payee under reporting and you have not been notified that the back-up withholding is terminated you should strike out the language in clause (ii) above.) DOLLAR$$$ DIRECT ACCOUNT DISCLOSURES AND FEE SCHEDULE RIVER CITY BANK P.O. BOX 386 • IRVINGTON, KY 40146 • (888) DEBIT 11 This document contains terms and conditions which are applicable to your Dollar$$$ Direct account. This document also details certain rights you have regarding this account. These terms and conditions are part of your agreement with River City Bank (the “Bank”) regarding this account. ELECTRONIC FUND TRANSFERS DISCLOSURE Customer Liability — If your statement shows transfers that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was printed, 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. Address and Telephone — If you believe that someone has transferred or may transfer money from your account without your permission, call: (888) 436-5347 or write: River City Bank, PO Box 386, Irvington KY 40146. Business Day — Our business days are Monday through Friday, 8:00 a.m. to 3:00 p.m. Eastern Standard Time. The Bank will be closed on all federal legal holidays. Account Access — Your account may only be accessed by the monthly or periodic printing of a cashier’s check in the full amount of the fund balance which will be sent to you or your designated agent. An unlimited number of electronic transfers into your account may be made. There is no charge for transfers into the account. Transfer Documentation — You will receive a statement of activity from us detailing your account’s activity, including transfers to and from the account, fees or charges assessed against the account and your account balance on the cashier’s check stub. In addition if you have arranged to have direct deposits made to your account at least once every 60 days from the same company or government agency, you can call us at (888) 436-5347 or (888) 4DOL-DIR to find out whether or not the deposit has been made. Right to Stop Payment of Preauthorized Electronic Transfers — (a) 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’s how: Call us at the telephone number listed at the top of this document or write us at the address listed at the top of this document, 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 $10.00 for each stop-payment of an electronic order you give.) (b) 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.) (c) Liability for failure to stop payment of pre-authorized 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. 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, if (i) circumstances beyond our control prevent the transfer, despite reasonable precautions that we have taken; (ii) the federal government fails to initiate the transfer of funds; or (iii) other conditions stated in our agreement with you are applicable. Account Information Disclosure — 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 comply with government agency or court orders, or (3) if you give us your written permission, or (4) as required or permitted by law. SEE RIVER CITY BANK’S PRIVACY POLICY. Error Resolution Procedures — In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (888) 436-5347 or write us at PO Box 389, Irvington, KY 40146, as soon as possible, 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 you the FIRST statement on which the problem or error appeared. (1) Tell us your name and account number. (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 and 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 ten business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have 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 ten business days, we may not re-credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. FUNDS AVAILABILITY DISCLOSURE Your Ability to Withdraw Funds at River City Bank, Irvington, KY. Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit; Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds and we will use the funds to pay checks drawn on the account. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 2:00 p.m. 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 2:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Longer Delays May Apply-In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposits will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: (1) We believe a check you deposit will not be paid. (2) You deposit checks totaling more than $5,000 on any one day. (3) You re-deposit a check that has been returned unpaid. (4) You have overdrawn your account repeatedly in the last six months. (5) There is an emergency, such as a failure of communications or computer equipment. We will notify you if we delay your ability 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 11th business day after the day of your deposit. 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 open. 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 your deposits if the deposit meets certain conditions. For example, the checks must be payable to you (you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth 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 your deposit. Funds from all other check deposits will be available on the 11th business day after the day of your deposit. DISCLOSURE OF ACCOUNT TERMS Dollar$$$ Direct Account This is a non-interest bearing account. There are no minimum balance requirements associated with this account. This account is subject to an account setup fee and a fee for each cashier’s check issued on the account. These charges are more fully explained in the accompanying Dollar$$$ Direct Account Fee Schedule. These fees apply regardless of the account balance and account activity. Additional fees may apply as described in the Dollar$$$ Direct Account Fee Schedule. There are no limitations on the number of deposits on the account. Amendments or Changes in Terms — For all changes regarding Electronic Funds Transfers, Funds Availability, or interest, fees, and transaction limitations, the Bank will provide you with advance written notice of the change at least 30 calendar days before the effective date of the change. This notice will include the date on which any changes become effective. For all other changes the Bank will provide you with reasonable written notice of the change. River City Bank’S Privacy Policy River City Bank is committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information. Personal information may be collected through the submission of account applications and banking transactions. Additional details of River City Bank’s Privacy Policy are provided below. If you have additional questions regarding the privacy of your personal information, please contact us. Respect of Right to Privacy River City Bank respects your right to privacy and takes every precaution to provide you with the highest practical level of privacy. Collection and Use of Personal Information The collection of personal information is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes - to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services. What Information We Collect We may collect “nonpublic personal information” about you from the following sources: • Information we receive from you on applications or other loan and account forms; • Information about your transactions with us, our affiliates or others; and • Information we receive from third parties such as credit bureaus. “Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. Limited Employee Access to Personal Information River City Bank limits employee access to your personal information to only those bank employees and administrators with a business reason for knowing such information. River City Bank also educates all employees about the importance of confidentiality and customer privacy. EMPLOYEES ARE ADMONISHED THAT ANY BREACH OF CUSTOMER CONFIDENTIALITY CAN RESULT IN IMMEDIATE JOB TERMINATION. In addition, individual user names and passwords are used by approved bank personnel to electronically access your personal information, providing audit trails to further safeguard the privacy of your personal information. Third-Party Disclosure Restrictions River City Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Nonpublic personal information may be supplied to a nonaffiliated third party, such as an Electronic Funds Distributor, in order to process a transaction requested by the customer. We may also disclose nonpublic personal information about you to nonaffiliated third parties as required or permitted by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.). Nonpublic personal information is also made available to the affiliates of River City Bank, which are limited to First State Bank, West Point Bank, Bank of Clarkson, and Meade County Bank. What Information We Disclose We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership (“affiliates”). We also may share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates. We may share information about former customers with our affiliates or as allowed by law. You may direct us not to disclose to our affiliates information that does not relate solely to our or our affiliates’ experiences or transactions with you or your account (such as the application information and credit bureau information) by calling us at 1-888-436-5347. An individual signer on a joint account may direct us not to disclose such information on behalf of the joint account. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. Our Security Procedures We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Dollar$$$ DirectTM DEBIT CARD ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT This disclosure statement sets forth your rights and obligations as a user of the electronic fund transfer service which River City Bank offers. It is also a statement of River City Bank’s rights and obligations as a provider of electronic fund transfer services. By signing an application for or using the Dollar$$$ DirectTM Debit CardTM, you agree to be bound by the provisions of this agreement and disclosure statement. Liability Disclosure—If you believe your Card or Personal Identification Number (PIN) has been lost or stolen, your liability will be $0.00 for the unauthorized use of your card or PIN if the following conditions have been met: • You report the loss or theft of your card or PIN within 24 hours of discovering it lost or stolen; • You can demonstrate you have exercised reasonable care in safeguarding the card or PIN from risk of loss or theft; • You have not reported two or more incidences of unauthorized use within the preceding 12 months; • Your account is in good standing. If these conditions have not been met, your liability will be the lesser of $50.00 or the amount of money, property, labor or services obtained by the unauthorized use of your card or PIN. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get any money lost after the 60 days if we can prove we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time period. Contact in Event of Unauthorized Transfer—If you believe your Card or PIN has been lost or stolen or that someone transferred or may transfer money from your account without your permission: Call 1-270-547-5167 or write Dollar$$$ DirectTM / RCB P O BOX 386 • IRVINGTON KY 40146 Types of Available Transfers—You may use your Card through automated teller machines (ATM’s) programmed to accept the card to: Withdraw cash from your designated direct deposit account. Pay for purchases at places that have agreed to accept your Card. Point of Sale Terminals—You may also use your Card through point-of-sale terminals to access your direct deposit account to: Purchase goods and services from merchants who have agreed to accept your Card as a means of payment. Withdraw cash in conjunction with a purchase of goods or services, if permitted by the merchant. Perform balance inquiries, if permitted by the merchant. Conditions on Use of the Card—When using your debit card, you may extract whatever amount of money that has been loaded onto it plus the overdraft privilege, if qualified. There are no limits on the amount of cash withdrawn within any given period by Dollar$$$ DirectTM. However, any ATM, merchant or company that have restrictions in regards to cash withdrawals within any given period will apply as they would to any other card. Dollar$$$ DirectTM reserves the right to limit, at our discretion, the use of your debit card, and the privilege of using your Card in no way constitutes an absolute right to withdraw funds from your direct deposit account through the use of your Card. If a transaction is approved, we reserve the right to place a hold on your direct deposit account or your card for the approved amount. This means we may not approve subsequent transactions, and we may not pay other items drawn on your direct deposit account even if the approved transaction is not completed. We will have no liability to you if, as a result of holds placed on your direct deposit account when we approve any authorized use of your Card, we refuse to pay any draft, withdrawal or other items drawn on your direct deposit account. We will also have no liability to you if we do not authorize your use of the Card for any reason. Limitations on Amounts and Frequency of ATM/Point-of-Sale Transactions—For security reasons, Dollar$$$ DirectTM reserves the right to restrict or limit the amount or frequency with which the card is used. Fees—You will be charged $1.00 for each transaction you make using an ATM machine. This includes, but is not limited to, ATM withdrawals, point of sales, account balance inquiries, or any other circumstances in which transactions are denied. This does not include any fees the ATM owner may levy. Stop Payment—You waive the right to stop payment on any sales draft or other item originated by the use of your Card. Documentation—You can get a receipt at the time you make any transfers from your checking account using an ATM or point-of-sale terminal. The receipt will include, if applicable, the amount, date and type of transaction, your direct deposit account number, the terminal location, any fees assessed and your account balance. You will get a monthly direct deposit account statement showing all account transfers. You waive any right to receive automatically with your direct deposit account statement a copy or facsimile or any sales draft or other item originated by the use of your debit card. You have the right to inspect a copy of any sales draft or other item upon your prompt request and compliance with reasonable procedures established by us. Liability for Failure to Make Transfers—If we do not complete a transfer to or from your direct deposit 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: If through no fault of ours, you do not have enough money in your account to make the transfer. If you are attempting to draw against deposits of checks, drafts or other non- cash items that are not yet available for withdrawal. If the transfer would exceed the credit limit on an overdraft line of credit (if any) that you may have with us. If the ATM where you are making the transfer does not have enough cash. If the ATM was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we may have taken. If the funds in the account have been offset by us in payment of a delinquent loan or if the funds have been attached or otherwise proceeded against as a result of lawsuit that someone has brought against you or against a joint depositor on your account. Disclosure of Account Information to Third Parties—We will disclose information to third parties about your account or the transfer you make as follows: When it is necessary for completing transfers (generally the U.S. Government or any other payor). In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant. In the event we close your account due to a deficit balance or excessive overdrafts. In order to comply with government agency or court rules. If you give us your written permission. Merchant Disputes— If you have a problem with property or services purchased with your Card, you must first try in good faith to return them or give the merchant a chance to correct the problem before we can help you resolve the problem. Error Resolution— In case of errors or questions about your electronic transfers: call 1-888-436-5347 or write: Dollar$$$ DirectTM/River City Bank. P O BOX 386 • IRVINGTON KY 40146 As soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. · Tell us your name and account number, if any. · 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. · Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. However, if an error is the result of a POS transaction involving the use of your Card, we will tell you the results of our investigation within 5 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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 your 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. The applicable time is 20 business days in place of 10 business days if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made. The applicable time is 90 days in place of 45 days if a notice of error involves an electronic fund transfer that was not initiated within a state, resulted from a point-of-sale debit card transaction or occurred within 30 days after the first deposit to the account was made. Overdrafts—This card is not a credit card. If any sales drafts originated by the use of your Card results in an overdraft of your direct deposit account, you agree to make payment to us of the amount of such overdrafts together with such service charges as set forth in the account terms of your direct deposit account. Closed Accounts—You agree to pay us immediately for the amount of any sales drafts, originated by the use of the Card, which cannot be charged to your direct deposit account because it is closed or the funds are otherwise unavailable for withdrawal. In which event, you also agree to immediately discontinue use of your Card and return the Card to us. Cancellation—We may refuse to issue a card and we may revoke your card privileges with or without cause or notice, other than required by Federal and State law. Your card, at all times, remains our property and may be repossessed by us at any time. Upon cancellation of cardholder privileges, you must surrender the card to us or our authorized agent. You agree not to use or attempt to use an expired, revoked or otherwise invalid card. If the card is used other than as permitted by this agreement, we may, at our option and without waiving any rights, recognize the transaction and debit or credit your direct deposit account accordingly. The cancellation of card privileges, by you or by us, does not affect our rights and privileges under the account terms of your direct deposit account. Miscellaneous Terms—1) We have no liability or responsibility if, for any reason, the card is not honored by any merchant, company, financial institution or other business establishment. 2) The account terms governing your direct deposit account will continue to apply to any of your obligations to us and our responsibilities to you which are not covered by this agreement. 3) The term “sales draft” as used herein means the paper document approved by us for use when a transaction is originated by a card. 4) We may rely upon your address, appearing on your application for the card, until we receive written notice of change in address from you. 5) We may modify or amend this agreement, in whole or in part, upon reasonable written notice in compliance with Federal laws or regulations. 6) If any provision of this agreement is declared to be invalid by any court of law or appropriate regulatory body, the remaining provisions of this agreement shall not be affected thereby. 7) The description headings of this agreement are for convenience only and shall not control or affect the meaning of construction of any of the provision hereof. DOLLAR$$$ DIRECTTM ACCOUNT FEE SCHEDULE River City Bank Effective 9/03 DOLLAR$$$ DIRECTTM ACCOUNT Account Setup Fee $14.50 Waived For A Limited Time Cashier’s Check Fee (For each check issued to you for the first payment you requested to be deposited in your Direct Deposit Account, other than payroll) $2.95 Cashier’s Check Fee (For each check issued to you for all subsequent payments you requested to be deposited in your Direct Deposit Account) $1.95 Dollar$$$ DirectTM Debit CardTM Monthly Service Charge $10.00 Dollar$$$ DirectTM Debit CardTM Transaction Fee $1.00 Dollar$$$ DirectTM Debit CardTM Overdraft Privilege Fee $7.50 OTHER ACCOUNT FEES Stop Payment Request (If amount, payee & Check number are known) $10.00 All other stop payment requests $20.00 Outgoing Wire Transfers $15.00 Microfilm Copies $5.00 Research/per hour (One hour minimum) $15.00 Copies from Optical Disk $5.00 Fee for Garnishment, Attachment or Levy (Each Occurrence) $50.00 Cash Advance $10.00 Dollar$$$ DirectTM Debit CardTM Lost Card/PIN $25.00 Dear Dollar$$$ Direct Customer: To provide you with additional information regarding your Dollar$$$ DirectTM account at River City Bank, this should be read in conjunction with the Dollar$$$ DirectTM Account Disclosures and Fee Schedule and the Application - Authorization - Certification - Agreement which contain important terms regarding your Dollar$$$ DirectTM account. Dollar$$$ DirectTM is a program of River City Bank, a state chartered banking institution that is a member of the FDIC. As a part of the Dollar$$$ DirectTM program you will also be dealing with the non-bank entity referred to as an Electronic Funds Distributor (“EFD”). The EFD is an independent contractor that is not controlled by the Bank but which provides services both to the bank and to you in conjunction with the Dollar$$$ DirectTM program. Our records indicate your EFD is __________________________ . The EFD is not an employee of the Bank and has no authority to change River City Bank’s policies. Should you have any questions regarding your account at River City Bank, you should contact us directly at the address and phone number below. As a convenience to you, River City Bank is including the fees related to your Dollar$$$ DirectTM account. The EFD has informed the Bank that its fees are as follows: EFD Name EFD Service Fee The EFD fee is not set by the Bank and the Bank does not guarantee that the fee will remain the same. Should you have any questions regarding the EFD fee, you should contact your EFD directly. THANK YOU. River City Bank/Dollar$$$ Direct PO Box 386 • Irvington, KY 40146 1 888 DEBIT 11 • Fax: 1-877-375-7361 Visit us at www.debitcardone.com RIVER CITY BANK MEMBER FDIC
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