ONLINE BANKING AGREEMENT AND DISCLOSURE

1. Definitions

   The following definitions apply in this Agreement:

   1. "Authorized Representative" refers to a person with authority (with respect to the account);
   2. "Bill Payment" is the online service that enables the scheduling of bill payments using a personal computer;
   3. "ISP" refers to your Internet Service Provider;
   4. "Online Banking" is the internet-based service providing access to your Bank account(s);
   5. "Online Account" means the Bank account from which you will be conducting transactions using a Service;
   6. "Password" is the customer-generated code selected by you for use during the initial sign-on, or the codes you select after the initial sign-on, that establishes your connection to the Service;
   7. "PC" means your personal computer which enables you, with the Internet browser and ISP, to access your Online Account;
   8. "Time of day" references are to Central Standard Time;
   9. "User ID" is the Bank-generated identification code assigned to you for your connection to the Service;
   10. “Financial Institution”, "We", "us", or "Bank" refer to Bank Name which offers the Services and which holds the accounts accessed by the Services; and
   11. “Depositor”, "You" or "your" refers to the owner of the account or the authorized representative.

   Access to Services

   The Bank will provide instructions on how to use the Online Banking and Bill payment Services. You will gain access to your Online Accounts through the use of your Internet-enabled device, your ISP, your Password and your User ID. You may access your Online Accounts 24 hours a day, seven (7) days a week. However, availability of the Services may be suspended for brief periods of time for purposes of maintenance, updating and revising the software.

   For purposes of transactions, the Bank's business days are Monday through Friday, excluding holidays and weekends. All Online Banking transaction requests received after 3:00 p.m. on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. The Bank's business day begins at 3:00 p.m. the preceding business day.

   Banking Transactions with Online Banking

   Transfer of Funds. In addition to viewing account information, you may use Online Banking to conduct the transfer of funds. You may make one-time transfers or schedule future or recurring transfers such as transfers to make loan payments. You may transfer funds among your checking accounts, savings accounts and money market accounts.

   NOTE: Because regulations require the Bank to limit preauthorized transfers (including Online Banking transfers), the following limitations apply:

   • Statement and Market Rate Savings account. You can make no more than six (6) transfers per statement period by preauthorized or automatic transfer or by telephone or Online Banking.
   
   
   • Market Rate Checking and the Indexed Money Fund account. You can make no more than six (6) transfers per statement period by preauthorized or automatic transfer or by telephone or Online Banking. Please note: If there are not sufficient funds in the account, we cannot complete this transfer. However, future recurring transfers will not be impacted.

   Additional Services. New services may be introduced for Online Banking from time to time. The Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

   Use of Your Security Password

   You are responsible for keeping your password and Online Account information confidential. In order to protect yourself against fraud, you should adhere to the following guidelines:

   • Do not give out your account information, Password, or User ID;
   • Do not leave your PC unattended while you are in the Bank's Online Banking Site;
   • Never leave your account information within range of others; and
   • Do not send privileged account information (account number, Password, etc.) in any public or general e-mail system.

   If you believe your password has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Bank immediately at 620-326-7417 between the hours of 8:00 a.m. to 3:00 p.m., Monday through Friday., or email us at customerservice@securitystbank.comTelephoning the Bank is the best way of minimizing your losses and liability.

   If you believe your Password has been lost or stolen, please use the Password change feature within the Online Banking section of the Web site to change your Password.

   Electronic Mail (E-mail)

   If you send the Bank an e-mail message, the Bank will be deemed to have received it on the following business day. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur.

   • NOTE: E-mail transmissions outside of the Online Banking site are not secure. We advise you not to send us or ask for sensitive information such as account numbers, Password, account information, etc. via any general or public e-mail system. If you wish to contact us electronically, please use the Guest Book provided in our Online Banking site (customerservice@securitystbank.com). Use this secure form to e-mail the Bank regarding inquiries about an electronic funds transfer error resolution, reporting unauthorized transactions, or contacting the Bank regarding other concerns of a confidential nature.

   Bill Payment Services

   Description of Service. The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Bill Payment Account to third parties you wish to pay. Your Bill Payment Account must be a checking account. Through the Bill Payment Service, you can pay bills from your Bill Payment Account to businesses or individuals.

   All payments you make will be deducted from the checking account that you designate as your Bill Payment Account for the Bill Payment Service. Any payments you wish to make through this Service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

   Scheduling Payments. Funds must be available in your Bill Payment Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday, or holiday), funds must be available in your Bill Payment Account the following business day (e.g. Monday). After funds are withdrawn from your Bill Payment Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. If your scheduled payment date falls on a non-business day (Saturday, Sunday, or holiday), you may wish to consider moving the scheduled payment date to an earlier date to avoid possible late fees.

   You may choose to schedule payments to recur in the same amount at regular weekly, monthly, or semi-monthly intervals. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee.

   For all subsequent payments, you agree to allow at least three (3) to five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If the payment is an Automatic Clearing House (ACH) Electronic payment, it will take up to three (3) business days to reach the payee. However, if the company or person that you are paying cannot accept an electronic payment, the Bill Payment Service will send a check that may take up to five (5) business days. If you do not follow these time frames, you will be fully responsible for all late fees, finance charges or other actions taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, the Bill Payment Service will work with the payee on your behalf to reverse any late fees or charges.

   No Duty to Monitor Payments. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. The Bank will not be liable in any way for damages you incur for any of the following reasons:

   • insufficient funds in your Bill Payment Account to make the payment on the processing date;
   • delays in mail delivery;
   • changes to the payee's address or account number unless we've been advised of the change in advance
   • the failure of any payee to correctly account for or credit the payment in a timely manner, or
   • any other circumstances beyond the control of the Bank or Bill Payment Service

   If the session during which you schedule a payment or transfer ends by 10:00 p.m., the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction.

   If your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. A Fee of $25.00 will be charged by Bill Payment Service as well as a Fee may be imposed by The Bank. The Bank will attempt to notify you by e-mail or U.S. Postal Mail, but the Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account to process a payment. In all cases, you are responsible for either contacting the Service at 1-858-677-7860 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected.

   Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 10:00 p.m. on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by the Bank, you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order.

   No Signature Required. When any payment or other online Service generates items to be charged to your account, you agree that we may debit your Bill Payment account without requiring your signature on the item, and without prior notice to you.

   Multiple Person Bill Payment Accounts. If more than one person has access to a Bill Payment account, each person may individually enroll in the Bill Pay service. Each enrolled person needs a unique password but may choose to use the same payee list. Each individual may terminate her/his enrollment in the Bill Payment service without affecting the Service for any other person enrolled in that Bill Payment account. However, any enrolled person may terminate the Bill Payment service that will terminate the service for all enrolled persons on that Bill Payment account.

   Linked Accounts

   All accounts with the Bank that you enroll in a service will be linked by the tax identification numbers of the persons authorized to access the account. The linked accounts will appear together without regard to the ownership of the accounts. For example, if an authorized user of a linked account accesses the Service, that authorized user will be able to view and access at a single time the following accounts:

   • the accounts of the business for which that person is an authorized user;
   • the accounts of any other business for which that person is an authorized user; and
   • any consumer accounts for which the person is a co-owner or authorized signer.

   Business Accounts

   If you are a business, any authorized user of your business is authorized on such terms, conditions, and agreements as we may require to:

   • enter into this Agreement, as amended from time to time;
   • access each account of yours in any manner and for any purpose available through the Service, whether now available or available at some time in the future; and
   • use any Online banking service in any manner and for any purpose available through the Service, whether now available or available at some time in the future.

   Term and Termination

   1. Term. This Agreement will become effective on the Effective Date and shall remain in full force and effect until termination in accordance with the following provisions.
   2. Termination for Cause. We may immediately terminate your electronic banking privileges (including the Bill Payment Service) without notice to you under the following circumstances:
   • You do not pay any fee required by this Agreement when due or,
   • You do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing.

   We will promptly notify you if we terminate this Agreement or your use of the Services for any other reason.

2. Liability

   Our Liability. This section explains our liability to you only to the extent that any other agreements, notices or disclosures have not separately disclosed our liability. In no event shall we be liable to you for failure to provide access to your Online Banking or Bill Payment services accounts. Unless otherwise required by applicable law, we are only responsible for performing the Online Banking and Bill Payment services as delineated in this Agreement. We will be liable for the amount of any material losses or damages incurred by you and resulting directly from our gross negligence.

   We will not be liable to you in the following instances:

   1. If through no fault of the Bank, you do not have enough money in your account to make the transfer, or if the transfer would exceed the credit limit on your overdraft line, if any
   2. If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer despite reasonable precautions that we have taken.
   3. If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy.
   4. If your funds are subject to a legal proceeding or other encumbrances restricting the transfer.
   5. If your transfer authorization terminates by operation of law.
   6. If you believe someone has accessed your accounts without your permission and you fail to notify the Bank immediately.
   7. If you have not properly followed the instructions on how to make a transfer included in this Agreement.
   8. If we have received incomplete or inaccurate information from you or a third party involving the account or transfer.
   9. If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.

   IN NO EVENT SHALL WE HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM OR ARISING OUT OF THIS AGREEMENT.

   Indemnification. You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees and agents harmless against any third party claim, demand, suit, action or other proceeding and any expenses related to an Online Banking or Bill Payment account.

   Third Parties. We are not liable for any loss or liability resulting from any failure of your equipment or software, or that of an internet browser provider such as Netscape (Netscape Navigator browser) or Microsoft (Microsoft Explorer browser), by an internet access provider, or by an online service provider, nor will we be liable for any direct, indirect, special or consequential damages resulting from your access to or failure to access an Online Banking or Bill Payment account.

   Virus Protection. The Bank is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetected virus may corrupt and destroy your programs, files, and your hardware.

   C. Termination for Convenience. To terminate this Agreement, you must notify the Bank and provide your name, address, the Service(s) you are discontinuing, and the termination date of the Service(s). When Bill Payment is terminated, any prescheduled bill payments made through Online Banking will also be terminated. Your final charge for the Bill Payment service will be assessed at the end of your statement cycle. You may notify the Bank by one of the following methods:

   • By sending an e-mail to customerservice@securitystbank.com
   • By calling (620) 326-7417
   • By writing a letter and either sending it to the following address: Attention: SSB Online Banking, PO Box 160, Wellington, KS 67152-0160, or giving it to a Customer Service Representative at any of the Bank's locations.
   
   

3. General Terms and Conditions

   
   
   1. Bank Agreements. In addition to this Agreement, you and the Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking Service or the Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule contained in this Agreement. We will automatically deduct the fees related to this Service from your Bill Payment Account each month.
   2. Changes and Modifications. The Bank may modify the terms and conditions applicable to the Services from time to time. We may send any notice to you via e-mail and you will have to be deemed to have received it three days after it is sent. The revised terms and conditions shall be effective at the earliest date allowed by applicable law. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.
   3. Assignment. We may assign this Agreement to an affiliate of the Bank or any successor in interest in the event of a merger, reorganization, change of control, acquisition or sale of all or substantially all assets of the business to which this Agreement is related without the other party's prior written consent.
   4. Notices. Unless otherwise required by applicable law, any notice or written communication given pursuant to this Agreement may be sent to you electronically.
   5. Disclosure of Information. We will only disclose information to third parties about your account or transfers you make under the following circumstances:
   • where it is necessary for the provision of Online Banking and for completing transfers;
   • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
   • in order to comply with government or court orders, or other reporting requirements;
   • if you give us your permission;
   • to the Bank affiliated companies.
     
   6. Governing Law. This Agreement is governed by the laws of the State of Kansas and applicable federal law.

   If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90-day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

   ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

   The following contains an agreement and disclosures relating to Electronic Fund Transfers (EFT) on your deposit Account. The EFT services we offer are set forth below and while some may not apply to your Account, please read this Agreement carefully because it tells you your rights and obligations for those EFT transactions which are applicable to your Account. You should retain this notice for future reference.

   RESPONSIBILITY FOR EFT TRANSACTIONS; DEFINITIONS

   You are responsible for all authorized electronic fund transfers that occur through the use of your ATM Card witch Financial Institution will issue to you. You authorize Financial Institution to charge to your accounts all authorized electronic fund transfers, including, but not limited to, electronic fund transfers resulting from preauthorized transfers, use of you access device, or other EFT transactions described herein. In this document, the following words have the following meanings: the words “Depositor,” “you,” and “your” mean the owners of the Account named in the Signature Card; the words “Financial Institution,” “we,” “us” and “our” mean the Financial Institution named in the Signature Card; the word “access device” means both the personal identification number (PIN) and/or your automated teller machine (ATM) card or other debit card given to you for use in accessing the Account; the word “account” means the deposit account with the Financial Institution created under the Signature Card; the word “Signature Card” means the Signature Card and Deposit Agreement you singed when the disclosures were given to you; and the word “Agreement” means this Electronic Fund Transfers Agreement and Disclosure. Other EFT transactions may include (i) a transfer resulting from you providing a check to a merchant or other payee to capture the routing, account and serial numbers to initiate the transfer (commonly referred to as “electronic check conversions”) whether you, the payee or the Financial Institution retains the check; (ii) a payment made by a bill payment service via computer or other electronic means, unless all payments under the service are made solely by check, draft or similar paper instrument drawn on your account; (iii) any fee authorized by you to be debited electronically from your account because a check was returned for insufficient funds; (iv) a transfer you initiate by telephone if the Financial Institution has a written plan or agreement allowing transfers to be initiated by telephone; and (v) any other transfer initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing the Financial Institution to debit or credit you account.

   LIABILITY FOR UNAUTHORIZED USE

   CONTACT US AT ONCE if you believe your access device has been lost or stolen or if you believe an unauthorized EFT affecting your account has occurred. For additional instructions see the Error Resolution provisions below. Telephoning, followed by a letter, is the best way of keeping your possible losses down. You could lose all the money in your account (plus the maximum overdraft line of credit, if any). If you tell us within 4 (four) business days after you learn of the loss or theft, you can lose no more than $50.00 if someone has used your access device without your permission.

   If you do NOT tell us within 4 business days after you learn of the loss or theft your access device, and we can prove we could have stopped someone from using your access without your permission if you had told us, you could lose as much as $300.00.

   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 told us in time. If you believe you access device has been stolen or that someone has or may transfer money from your account without your permission call: (620) 326-7417

   or write: Security State Bank
                   Attn: EFT Dept
                   PO Box 160
                    Wellington, KS 67152-0160

   For the purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

   You may use your access device(s) at terminal to:
   ATM CARD TRANSACTIONS- Types of transactions- InstaKey Card transactions: deposit funds to checking and savings, withdraw cash from checking and savings, transfer funds from savings and checking, transfer funds checking to savings, get balance information about checking and savings. Master Money Card ATM transactions: deposit funds to checking and savings, withdraw cash from checking and savings, transfer funds from savings and checking, transfer funds checking to savings, get balance information about checking and savings.

   Debit Card ATM TRANSACTIONS- Types of transactions- Master Money Card point-of-sale transactions: purchase goods in person or by phone, pay for services in person or by phone, get cash from a participating merchant or financial institution, do any transaction that can be done with a credit card.

   Some of these services may not be available at all terminals.
   Account limitations vary based on the type of account accessed by your device. See the specific account disclosure for details.
   You may use your card to withdraw cash from the Bank’s ATM terminals, subject to a dollar limitation of $300.00 each day (2 P.M. to 2 P.M.). You may use your card to make deposits to the Bank’s ATM terminals ($100 credit will be given at time of deposit).

   CHARGES FOR ELECTRONIC FUND TRANSFERS

   You will be charged from each transaction/transfer as disclosed on the Schedule of Fees and Charges given to you with this Agreement. If an electronic service is available, but no charge is itemized in the Disclosure furnished to You as part of your Account Agreement, there will be no fee imposed by Us for that service. 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

   You can get a receipt at the time you make any transfer to or from your account using an electronic terminal that accepts your access your access device.
   If you have made arrangements to have DIRECT DEPOSITS made to your account at least once every 60 days from the same entity or person, you can call us at (620) 326-7417 to find out whether or not the deposit has been made.
   You will get a monthly account statement unless there are no transfers in a particular month. In any case you will get the statement at least quarterly.
   If you have a passbook account where the only possible electronic fund transfers are preauthorized credits, and you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your passbook.

   CONFIDENTIALITY

   We will on occasion DISCLOSE INFORMATION TO THIRD PARTIES about your account or the transfers you make: (1) If you have given us written permission to do so, (2) In order to comply with a Government agency or court order, (3) Where it is necessary for completing the transfer, (4) As necessary to verify the existence and condition of your account to a credit bureau or merchant, (5) as permitted by the federal Right to Financial Privacy Act of 1978 and the Federal Fair Credit Reporting Act and other applicable laws and regulations.

   STOP PAYMENT PROCEDURES

   If you have previously instructed us to make regular payments out of your account, you can stop any of these payments. To stop a payment: Call or write us at the telephone number or address listed above in time for us to receive your request at least 3 business days or more before the payment is scheduled to be made. You may call, but we may still request that you write us within 14 days of the call. Each stop payment order given will result in a charge disclosed on the Schedule of Fees and Charges.
   If regular payments you make will vary in amount, the person to whom you are making the payments will notify you at least 10 days in advance of each payment, when it will be made and in what amount. (At you option, you may request this information 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).
   If we fail to stop a payment or preauthorized transfer and you have notified us 3 business days or more before the transfer is scheduled, we will be liable for you losses or damages.

   LIABILITY

   If we FAIL TO 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 with 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 or if the transfer would exceed the credit limit on your overdraft line, if any, (2) If the money in your account is subject to legal process or other encumbrances restricting the transfer, (3) If the terminal where you are making the EFT does not have enough cash, (4) If extenuating circumstances prevent the transfer, despite reasonable precautions we have taken, (5) If the terminal or system was not working properly and you knew about the breakdown when you started the EFT (6) If incomplete or inaccurate information is forwarded by the United States Treasury or though an automated clearing house, or (7) There may be other exceptions in our agreement with you.

   ERROR RESOLUTION

   In Case of Errors Or Questions About Your Electronic Transfers. Telephone us or write us at the number listed above in this disclosure as soon as possible, if you think your statement or receipts are wrong or if you need more information about a transfer listed on the statement or your receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the error or problem appeared. You Should:

   (1) Tell us you name and account number (if any)
   (2) Describe the error or transfer in question, and explain as clearly as you can 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 (20 business days if the error involves an EFT made during the first (30) days after first deposit to the account was made) 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 point-of-sale transaction, a foreign initiated transfer or an EFT made during the first thirty (30) days after the first deposit to the account was made) to investigate your complaint or question. If we decide to do this we will credit you account within 10 business days (20 business days if the error involves an EFT made during the first thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will receive it within 10 business days, we may not credit your account.
   We will tell you the results within three (3) 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 the copies of the documents that we used in our investigation.

   OTHER RULES APPLYING TO ELECTRONIC FUND TRANSFERS

   All deposits, payments, and transfers made through the use of your access device or by a preauthorized transfer are subject to proof and verification by the Financial Institution. Deposits made after our cutoff time will be credited the following business day.
   The access device at all times remains the property of the Financial Institution and upon revocation of the access device you agree to surrender the access device to the Financial Institution or its agent upon demand. Because the PIN is used for identification purposes, you agree to notify the Financial Institution immediately if the Card is lost or stolen or the secrecy of the PIN is compromised. You also agree no to reveal your PIN to any person not authorized by you to use the ATM Card and not to write the PIN on the ATM Card or on any item kept with the ATM Card.

   Transactions made in foreign currency will be converted into U.S. dollars. Because of fluctuations in foreign exchange rates, the conversion rate in effect on the processing day may differ from the rate in effect on the transaction date or posting date.

   This Agreement shall be governed by the laws of the State of Kansas and any applicable Federal laws and regulations.

   We may amend, modify or rescind this Agreement and Disclosures at any time by mailing or delivering written notice of such amendment, modification or rescission to you at least 21 days prior to the effective date of any such change if the change wild result in increased fees or charges, increased liability to you, fewer types of available electronic fund transfers, or stricter limitation on the frequency or dollar amount of transfers. We may at our potion mail or deliver written notice to you of any amendment, modification or rescission other than those previously described but without the requirement that the notice be mailed or delivered at least 21 days prior to the effective date of any such change. Any amendment, modification or rescission made in this manner shall be binding upon you as though expressly agreed to by you. In the event that a written notice is mailed to you, it shall be mailed to your last known address as shown on our records. Notwithstanding the provisions of this paragraph, we may terminate this Agreement at any time we terminate your account(s).