Regulation E

You may authorize a third party to initiate electronic fund 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. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers 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 fund transfers. Examples of these transfers include, but are not limited to: 

•     Preauthorized Credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings accounts.
•     Preauthorized Payments. You may make arrangements to pay certain recurring bills from your checking or savings accounts.
•     Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from   your check to pay for purchases or pay bills.
•     Electronic Returned Check Charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

You may access your account by telephone using your touchtone telephone, account numbers, and personal identification number (PIN) to: 

•    transfer funds from checking and/or savings to checking and/or savings
•    make payments from checking and/or savings to loan accounts with us
•    get balance information about checking, savings, and/or loan accounts
•    get transaction history about checking, savings, and/or loan accounts

You may access your account for telephone transactions at the following number(s) and during the following hours: 
800-485-2871 or 608-375-4900, 24 Hours per Day, 7 Days per Week

You may access your account(s) by ATM using your Check Card and your personal identification number (PIN) to:

•    deposit funds to your checking or savings accounts
•    transfer funds from checking and/or savings to checking and/or savings
•    get balance information about your checking and savings accounts
•    get transaction history about your checking and savings accounts
•    get cash withdrawals from checking accounts you may withdrawal no more than $500.00 per day
•    get cash withdrawals from savings accounts you may withdrawal no more than $500.00 per day

You may access your checking account( s) by debit card to do transactions that participating merchants will accept, including: 

•    to purchase goods and pay for services, in person, by phone, or by computer, get cash from merchant, if the merchant permits, or from a participating financial institution and do anything a participating merchant will accept.
•    you may not exceed more than $2,000.00 in transactions per day

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

You may access your accounts online at www.cfbank.com using your computer or similar, compatible device having online access and using your username, password, personal identification number (PIN), and multifactor authentication information to: 

•    transfer funds from checking and/or savings to checking and/or savings
•    transfer funds from line of credit to checking and/or savings
•    transfer funds from person to person (Bill Pay)
•    make payments from checking and/or savings to loan accounts with us
•    make payments from checking to third parties (Bill Pay)
•    get balance information about checking, savings, and/or loan accounts
•    get transaction history about checking, savings, and/or loan accounts

You may access your accounts for mobile banking services at www.cfbank.com, using your mobile phone, our mobile banking application (provided separately), your username and password, responses to multi-factor authentication questions and personal identification number (PIN). 

You may use this service to: 

•    transfer funds from checking and/or savings to checking and/or savings
•    transfer funds from line of credit to checking and/or savings
•    transfer funds from person to person (Bill Pay)
•    make payments from checking and/or savings to loan accounts with us
•    make payments from checking to third parties (Bill Pay)
•    get balance information about checking, savings, and/or loan accounts
•    get transaction history about checking, savings, and/or loan accounts
•    make check deposits into your checking or savings account with us

Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges.

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

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). 

Terminal Transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less. 

Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the telephone number listed below 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 and savings account(s). 

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 is how: 
Call or write us at the telephone number or address listed in this disclosure, 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 charge a $30 fee for each stop payment. 

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 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, for instance:

1.    If, through no fault of ours, you do not have enough money in your account to make the transfer.
2.    If you have an overdraft line and the transfer would go over the credit limit.
3.    If the automated teller machine where you are making the transfer does not have enough cash.
4.    If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5.    If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6.    There may be other exceptions stated in our agreement with you.

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 verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3.    in order to comply with government agency or court orders; or
4.    as described in our privacy policy disclosure, provided separately or if you give us written permission.

(a) Consumer Liability. 

Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, 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 2 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 could lose as much as $500. 
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. 
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 

Additional Limit on Liability for Visa® Cards.

Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by Visa. (Visa is a registered trademark of Visa International Service Association.) 

(b) Contact in Event of Unauthorized Transfer. 

If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission. 

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, 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. 

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.

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, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint 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 question 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 each of you already has an established account with us before this account is opened. 

We will tell you about 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. 

If you have inquiries regarding your account or need more information regarding our error resolution procedures, please contact us at: 

Community First Bank
925 Wisconsin Ave
PO Box 307
Boscobel, WI  53805 
BUSINESS DAYS: Monday through Friday
Holidays are not included.
PHONE: 608-375-4117

Currency Conversion
When you use your Visa Check Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. 

Disclosure of Account Information
You agree that merchant authorization messages transmitted in connection with POS transaction are permissible disclosures of account information, and you further agree to release our financial institution and hold it harmless from any liability arising out of the transmission of these messages. See confidentiality section of this disclosure for more information. 

Pin Less Debit Transactions
When you use your ATM/VISA Check Card on the PULSE Network the transaction may be processed as a debit transaction without requiring a PIN. Transactions that are completed as PIN-LESS will not be processed by VISA and may post to your account as an ATM or Debit transaction rather than a VISA purchase. The provisions of the VISA cardholder agreement that relate only to VISA transactions are not applicable to non-VISA transactions. Transaction completed as PIN-LESS debit transaction include, but may not be limited to, government payment, utilities, and property management fees. 

ATM Services Network
Besides our ATM terminals, you may access your accounts through the following networks: PULSE, PLUS, and VISA. 

Fees
Refer to our Miscellaneous Fee Schedule for the amount we will charge you for various fees related to EFT services. We reserve the right to impose, increase, or change fees related to EFT services upon notice to you. 

Amending or Terminating the Agreement
We may change or amend any of the terms and conditions of the Agreement and those portions of the applicable Common Features (Fees and Limits) which relate to EFT services, at any time upon at least 30 days written notice to you prior to the effective date of the change or amendment. Your failure to timely furnish notice as set forth in the written notice shall be deemed to be your acceptance of such change or amendment. If you do not agree to abide by a change or amendment, you must notify us of the fact prior to the effective date of the change or amendment and cancel this agreement. We may cancel this Agreement at any time, without giving you prior notice. If you or us cancel this Agreement at any time, you shall surrender any card and you may no longer use any of our financial institution's EFT services other than automated clearing house transfer services.