Tri City National Bank : Pulse/EZPay Check Card Disclosures

Large Enough to Serve You, Small Enough to Know You -- Your Hometown Bank

Tri City National Bank
ATM/EZPAY Check Card Disclosures
For security reasons, your ATM or EZPAY Check Card and PIN numbers are mailed separately.

We are pleased that you have chosen to take advantage of the convenience provided by our ATM and EZPAY Check Card and supply this statement so you can familiarize yourself with the operational and legal functions of this card. Please read this statement carefully as it contains important information about electronic funds transfer. Retain this along with your other account records in case you have any questions in the future.

In this statement, the words "you", "your" and "yours" mean any holder or other authorized user of your ATM (Automated Teller Machine) or EZPAY Check Card. The words "we", "our", and "us" mean Tri City National Bank. "Checking account" means your NOW account or checking account. "Savings account" means your regular statement savings account. "EFT Terminal" means an electronic funds transfer terminal; this includes automated teller machines, point-of-sale terminals, and other EFT devices. "ATM and EZPAY Check Card" means each magnetically encoded debit banking card provided to you by us. "PIN" means the personal identification number either assigned to you or selected by you for use with your ATM or EZPAY Check Card.

1. ATM and EZPAY Check Card.
Each card issued to you is our property and may be canceled or repossessed by us at any time, with or without cause. You must surrender to us on demand each ATM or EZPAY Check Card issued to you. If you permit or authorize other persons to use your card and PIN, you will be liable on or for the resulting transactions. To guard against anyone making a transaction that you have not authorized, you should take all reasonable precautions to prevent any other person from learning your PIN.

2. Business Days.
For purposes of these disclosures, our normal business days are Monday through Friday (Excluding Federal Holidays).

3. Account Access.
You may use your ATM or EZPAY Check Card to:

Withdraw cash from the deposit account(s) designated or your overdraft credit lines (if applicable).
Inquire as to the available balance of your designated account(s).
Make deposits to your designated account(s).
Transfer funds between designated accounts.
Pay for purchases from your account at places that have agreed to accept Visa Debit Cards or ATM cards.
Make loan payments to us.

Some of these services may not be available at all terminals. The ATM and EZPAY Check Cards are for personal or household use only.

4. Deposits.
If you make a deposit at an automated teller machine (ATM) that is owned and operated by us before 6 p.m. on a business day that we are open, we will consider the deposit made that day. However if you make a deposit at an ATM that is owned and operated by us after 6 p.m. or on a day that we are not open, we will consider the deposit made on the next business day we are open. Cut-off times for deposits made at ATMs not owned and operated by us vary according to the financial institution that operates the ATM. Funds from any deposits (cash or checks) made at an automated teller machine (ATM) owned and operated by us will be made available on the second business day after the day of deposit. Funds from any deposits (cash or checks) made at ATMs we do not own or operate will be made available on the third business day after the day of your deposit. All ATMs that we own or operate are identified as our machines.

5. Time of Determining Sufficiency of Account Balance.
Each time you use your ATM or EZPAY Check Card, the amount of your transaction may immediately be debited from your account balance and may not be available to pay any checks or other items which are later processed to your account. This will be the case even if the merchant does not immediately seek settlement of your transaction.

6. Transaction Receipts.
You will get a receipt at the time you make any transfer to or from your account using an EFT terminal.

7. Your Daily On-line Withdrawal Limits are based on a 24 hour period (12:00AM -12:00AM).

ATM and POS - $350.00
(PIN based transactions)
You are limited to 10 PIN based transactions per 24-hour period

Visa POS Merchant - $2,500.00
(Signature based transactions)

8. In the event of communication failure your Daily Off-line Withdrawal Limits are based on a 24 hour period (12:00AM - 12:00AM)

ATM and POS - $100.00
(PIN based transactions)
You are limited to 10 PIN based transactions per 24-hour period

Visa POS Merchant - $600.00
(Signature based transactions)
You are limited to 3 off-line signature based transactions per 24-hour period.

9. Fees.
The fees associated with the use of your ATM or EZPAY Check Card, if any, are:

Transactions at non-Tri City ATM Machines:

Balance Inquiry		$.30
Withdrawals		$1.00

(first (2) from savings and checking per statement cycle are free)

Transactions at non-Pulse Machines		$2.00
Replacement Cards		$12.00
PIN Reminder		$10.00

A fee may also be imposed by a terminal/network operator if you initiate a transfer from a terminal that is not operated by us.

10. International Exchange Rates.
For international purchases made with your EZPay Check Card, the exchange rate between the transaction currency and the billing currency used for processing the transaction is the government-mandated rate in effect one day prior to the Central Processing Date, and increased by one percent.

11. Periodic Statements.
You will get a monthly account statement for your checking account. You may get a monthly account statement for your savings account combined with your checking account statement. If you receive a separate savings account statement, you will get a monthly statement unless there are no transfers initiated in the United States in a particular month. In any case you will get the savings account statement at least quarterly.

12. In case of Errors or Questions about your Electronic Transfers.
Call us at: (414) 874-2489 or (888) 874-2489 (if outside the 414 area code)

Customer Service Representatives are available:
Monday-Friday 8:30a.m. - 6:00p.m. and Saturday 8:30a.m. - 2:00p.m.

OR Write us at:
Tri City National Bank
ATM/Debit Card Dept.
P.O. Box 44017
West Allis, WI 53214

Contact us promptly 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 US ONLY AT THIS TELEPHONE NUMBER OR ADDRESS ABOUT YOUR ERRORS OR QUESTIONS. 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 (if any)
(2)	Describe the error or the transfer you think is incorrect, and clearly explain why you believe it is an error or why you need more information.
(3)	Tell us the dollar amount of the suspected error and, if possible, the date it appeared on your statement.
(4)	It will be helpful to us if you also give us a telephone number at which you can be reached during business hours in case we need any further information.

If you notify us orally, we require you to send us your dispute or questions in writing, within 10 business days following the date you notified us.

We will report to you the results of our investigation within 10 business days following the date you notified us and if we made an error, we will correct the error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your dispute or questions following the date you notified us. If we decide to use more time to investigate, we will credit your account within 10 business days from the date you notified us of the 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 dispute or question in writing and we do not receive it within 10 business days following your oral notification, we may elect not to credit your account.

In the case of a transfer resulting from a point-of-sale transaction (signature based) or a transfer initiated outside the United States we may take up to twenty (20) business days to tell you the results of an investigation, or alternatively re-credit your account and resolve the error within ninety (90) days.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

13. Consumer Liability Disclosure.
Tell us AT ONCE if you believe your ATM or EZPAY Check Card or PIN number has been lost or stolen. Telephoning is the best way of minimizing any possible liability or loss. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your card or PIN without your authorization and you used reasonable precautions in protecting the security of your card and PIN. If you do NOT tell us within two (2) business days after you learn of the loss or theft or your card or PIN, and we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500.00.

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 could have stopped someone from taking the money if you had told us in time.

14. Contact in Event of Lost or Stolen Card or an Unauthorized Transfer.
If you believe your ATM or EZPAY Check Card or PIN number has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

(414) 874-2489 (24 Hours and Holidays)

or write:
Tri City National Bank
ATM/Debit Card Dept.
P.O. Box 44017
West Allis, WI 53214

15. Our Liability for Failure to a Make Transfer.
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 direct losses or damages. However, there are some exceptions. We will NOT be liable, for instance: (a) If through no fault of ours, you do not have enough money in your account to make the transfer; (b) If the transfer would go over the credit limit on your overdraft line, if you have one; (c) If the automated teller machine where you are making the transfer does not have enough cash; (d) If the EFT Terminal or processing system was not working properly and you knew about the breakdown when you attempted the transfer; (e) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken; (f) If the funds in your account are subject to legal process or other encumbrance restricting the transfer; (g) If your PIN, ATM or EZPAY Check Card is reported lost or stolen; or (h) If we are holding uncollected funds in your account and the transfer would require the use of those funds. There may be other exceptions stated in our account agreement with you. We will not be liable for any indirect, incidental or consequential damages.

16. Disclosure of Account Information.
We will not disclose information to third parties about your account or the transfers you make except:

If it is necessary for completing or tracing transactions or resolving errors or claims, or
In order to verify the existence and conditions of your account for third parties, such as a credit bureau or merchant, or
In order to comply with government agency or court orders, or
If you give us written permission.

17. Modifications of this Statement; Termination.
The terms of this Statement may be changed by us from time to time by notice from us to you. We may also revoke your right to use your ATM or EZPAY Check Card at any time. You agree to pay us for any cash withdrawals, service charges, or other items that remain unpaid at the time this agreement is for any reason terminated.

18. Applicable Law.
These terms and conditions are subject to the laws and regulations of the State of Wisconsin and any applicable federal laws, especially the law regarding electronic funds transfer. This body of law is too large and complex to be reproduced here. We may permit some variation from this standard agreement, but any such variations must be agreed to in writing either on our signature card for the account or in some other written form. The ATM or Visa EZPay Check Card may not be used for any illegal transaction.

19. For Assistance with Verified by Visa for Internet Purchases using your EZ Pay Check Card call:

(414) 874-2489

Important Information Regarding Your Tri City National Bank 24 Hour ATM or EZPAY Check Card:

Keep your PIN confidential.

Never write your PIN on your ATM or EZPAY Check Card or repeat it to others.

Never carry your PIN in written form, in your purse or wallet, with your ATM or EZPAY Check Card.

Never give your PIN to anyone over the telephone. Your PIN is only required for in-person ATM transactions. Tri City National Bank will not ask you to disclose your PIN over the telephone.

If your ATM or EZPAY Check Card is not used within a six-month period of time, the card will automatically be closed.