ALL ABOUT DEPOSIT ACCOUNTS
& ELECTRONIC BANKING

Agreement- This document, along with any other documents we give you pertaining to your account (s), is a contract that establishes rules that control your account (s) with us. Please read this carefully. If you sign the signature card or open or continue to have your account with us, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us. This agreement is subject to applicable federal laws and the laws of the state of Ohio (except to the extent that this agreement can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to: Summarize some laws that apply to common transactions; Establish rules to cover transactions or events which the law does not regulate; Establish rules for certain transactions or events which the law regulates but permits variation by agreement; and Give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document. As used in this document the words "we", "our", and "us" mean Foundation Bank and the words "you", and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be constructed so the singular includes the plural and the plural includes the singular.

Liability- You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges. You authorize us to deduct these charges directly from the account balance as accrued. You will pay any additional reasonable charges for services you request, which are not covered by this agreement. Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from the charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. This includes liability for our costs to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees.

Deposits- You understand all deposits are subject to verification and correction. We can accept an item for deposit of collection only, refuse it, or return it. In receiving items, we are acting only as your agent. We have no responsibility beyond ordinary care. You will not hold us responsible for default or negligence of our correspondents or loss of items in transit. Each correspondent we use will be liable only for its own negligence. If we give you credit for an item, we can revoke it if the item is not paid. Items deposited by mail will not be considered received by us until we actually receive them. You will not hold us responsible for loss of any item until we have received it under this standard. If an item requiring endorsement is deposited without it, you authorize but do not require us to supply it. You will reimburse us for loss or expense we incur because of any missing endorsement, whether yours or another's, on a deposited item. We do not have to notify you of any nonrecurring ACH credits or wire transfers to the account.

Withdrawals- Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs in the space designated for signatures on the signature card may withdrawal or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person signing the signature card to endorse any item payable to you or your order for deposit to this account or any other transaction with us. We may charge your account for a check even though payment was made before the date of the check. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing the account. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

Ownership of account and beneficiary designation- These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of ownership and beneficiary designations, except as they determine to whom we pay the account funds.

Individual Account- is an account in the name of one person.

Joint Account With Survivorship (And Not As Tenants In Common)- is an account in the name of two or more persons. Each of you intends that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.

Joint Account - No Survivorship (As Tenants In Common)- is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal.

Revocable Trust of Pay-On-Death Account- If two or more of you create this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship. The person (s) creating either of these account types may: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time.

Business Accounts- Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of change from the governing body of the legal entity.

Stop Payments- You must make a stop payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop payment cut off time. To be effective, your stop payment order must be precisely identify the number, date, and amount of the item, and the payee. You understand that if either the check number or the amount is not exact, our check processing equipment may not catch the check in time; you will not hold us responsible. You may stop payment on any item drawn on your account whether you sign the item or not if you have an equal or greater right to withdraw from this account than the person who signed the item. If you telephone your stop payment, you will confirm it in writing on our form within 14 days. A release of the stop payment request may only be made by the person who initiated the stop payment order. You understand that a stop payment expires in six (6) months. You will place a new stop payment if you do not want us to pay the check after the previous one expires. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item).

Telephone Transfers- A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties to a maximum of six per month (less the number of "preauthorized transfers" during the month). Other account transfer restrictions may be described elsewhere.

Amendments And Termination- We may change any item of this agreement. Rules governing changes in interest rates are provided separately. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail. Notice from us to any one of you is notice to all of you.

Statements- You will promptly examine and reconcile each statement we send or make available. You will notify us immediately of any problem, such as forgery, unauthorized endorsement or debit, or alteration, that you find or reasonably should have found. If you do not notify us within 60 days after we sent or made available the earliest statement that gave an indication of the problem, you will be responsible for any loss that your notifying us could have prevented, whether or not we were appropriately careful. If an item was altered or drawn without authorization, and it was done so cleverly that a reasonable person could not detect it, and we were not negligent in any way, you will not hold us responsible for the loss.

Account Transfer- This account may not be transferred or assigned without your prior written consent.

Direct Deposits- If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

Temporary Account Agreement- If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account. However, we may at some point in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

Offset- We may (without prior notice and when permitted by law) offset the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdrawal. If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we offset, including any balance the due date for which we properly accelerate under the note. This right of offset does not apply to this account if : (a) it is an IRA or other tax-deferred retirement account, or (b) the debt is created by a consumer credit transaction, under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtor's right of withdrawal only arises in a representative capacity. We will not be liable for the dishonor of any check when the dishonor occurs because we offset a debt against this account. You agree to hold us harmless from any claim arising as a result of our exercise of our right to offset.

Authorized Signer (Individual Accounts only)- a single individual is the owner. The authorized signer is merely designated to conduct transactions on the owner's behalf. We undertake no obligation to conduct transactions on the owner's behalf. We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.

Restrictive Legends- We are not required to honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of restrictive legends are "must be presented within 90 days" or "not valid for more than $1,000.00". Payment Order Of Items- The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write. When processing items drawn on your account, our policy is to pay them in the order that they are received. The order in which items are paid is important if there is not enough money in you account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. By paying items in the order that we receive them, we think our policy attains a reasonable balance between minimizing additional cost to you and paying the more important items. We encourage you to make careful records and to practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.

ACH And Wire Transfers- This agreement is subject to Article 4A of the Uniform Commercial Code-Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer for which Fed-wire is used, and you identify by name and number a beneficiary financial institution and intermediary financial institution or beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person, or account other than the one named. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) if the Uniform Commercial Code. If we do not receive such, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.

Electronic Fund Transfers
Your Rights and Responsibilities

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Preauthorized credits- You may make arrangements to pay certain recurring bills from your checking, savings or money market account (s).

Preauthorized payments- You may make arrangements to pay certain recurring bills from your checking, savings or money market account (s).

Electronic Check Conversion-types of transfers- Your check can result in an electronic fund transfer. This can happen in several ways.

For Example: You can purchase goods or pay for services and authorize a merchant or service provider to convert your check to an electronic fund transfer. At the time you offer a check to a merchant or service provider, you may be asked to authorized the merchant or service provider to electronically collect a charge in the event the check is returned for insufficient funds. Paying such a fee electronically is an electronic fund transfer. Your authorization to make these types of electronic fund transfers may be expressed in writing or implied through the posting of a sign.

ATM Transfers- types of transfers, dollar limitations and charges- You may access your account (s) by ATM using your ATM card and personal identification number or Foundation Bank Debit MasterCard and personal identification number, to: Make deposits to checking or savings accounts; Make transfers from checking/savings accounts to checking/savings accounts; Get cash withdrawals from checking and savings accounts. You may withdraw no more than $205.00 per day; Some of these services may not be available at all terminals.

Types of Foundation Bank Debit MasterCard Point-of-Sale Transactions-

• You may access your checking accounts to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or form a participating financial institution and do anything that you can do with a credit card.
• Point-of-Sale Transactions (dollar limitations using your card): You may not exceed $505.00 in transactions per day (or your available balance, if it is less than such amount).

International Transactions- All foreign ATM withdrawals and POS transactions will be converted to U.S. dollars before being charged to your Account in accordance with MasterCard International regulations for international transactions in effect at the time of the transaction.

FEES

• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.
• We may charge $5.00 to replace a card.
• Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operator/Network Fees- When you use an ATM not owned by us, you may be charged a fee by the ATM Operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

INTERNET BANKING

Requirements- To access your accounts through Foundation Bank, you must have an eligible bank account, an assigned user ID, and an online password. In addition, you must have internet access and secured browser. Foundation Bank can be used to access only bank accounts for which you are authorized to access. We undertake no obligation to monitor transactions through Foundation Bank to determine that they are made on behalf of the account holder.

Electronic Mail (E-Mail)- Sending E-mail through Foundation Bank is a secure way to communicate with the bank. Foundation Bank has provided an E-mail form for you to ask questions about your account (s) or give comments on your banking service. These E-mail forms are accessible after you sign on with your password to a secure session of Foundation Bank. To ensure the security of your account information, we recommend that you use only this E-mail form when asking specific questions about your account (s). Internet Banking cannot be used to initiate transactions on your account (s). For banking transactions, please use the appropriate functions within Foundation Bank or call (513) 721-0120.

New Services- Foundation Bank may, from time to time, introduce new Internet Banking Services. We shall update this Internet Banking Agreement to 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 contained in this Internet Banking Agreement.

Terms and Conditions- The first time you access your bank account (s) through Foundation Bank confirms your agreement to be bound by all the terms and conditions of this Internet Banking Agreement and acknowledges your receipt and understanding of this disclosure.

A). Your Online Password- Your user ID and online Password will give you access to your Foundation Bank accounts through Foundation Bank. This password can be changed within Foundation Bank from the Change Password screen. We recommend that you change your password regularly. We are entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password and account data confidential.

(B). Our Liability- 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: If, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment. If a legal order directs us to prohibit withdrawals from the account.

If your account is closed or has been frozen- If you, or anyone you allow, commits any fraud or violates any law or regulation. If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly. If you have not provided us with complete and correct payment information, including without limitation the name, address, account number, and payment amount for the payee on a bill payment.

If you have not properly followed the instructions for using Foundation Bank- If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us. Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, the bank, OR by the Internet Browser providers such as Netscape (Netscape Navigator Browser) and Microsoft (Microsoft Explorer Browser), OR by Internet access providers, OR by online service providers, OR by an agent or subcontractor of any of the foregoing. Nor shall the service providers or we be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Internet Banking Services, or Internet Browser or access software.

INDEMNIFICATION- Except to the extent that we are liable under the terms of this agreement or an agreement that otherwise governs your Eligible Bank Account, if you are an owner of an Eligible Bank Account you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments, attorney fees, costs, interest, and expenses arising out of or in any way connected with an Eligible Bank Account or the performance of an Internet Banking Service. This indemnification is provided without regard to whether our claim for indemnification is due to the use of the Internet Banking Service by you or your authorized representative.

(C). Hours of Accessibility
You can access your bank accounts through Foundation Bank Internet Banking seven days a week, 24 hours a day. However, at certain times, some or all of Foundation Bank may not be available due to system maintenance. During these times, you may use the touch-tone telephone service, a Foundation Bank ATM or branch to conduct your transactions. A funds transfer initiated through Foundation Bank Internet Banking before 6 PM (Eastern Time) on a business day is posted to your account the same day. All transfers completed after 6 PM (Eastern Time) on a business day or on a Saturday Sunday or banking holiday, will be posted on the next business day.

Foundation Bank business hours are Monday through Friday, 9 AM through 5 PM, except on Friday, each branch is open till 6 p.m. Garfield, the main office is open only till 5 p.m. on Friday. The Norwood office is open 9 to 12 each Saturday. "Banking Holidays" shall mean all federal banking holidays.

(D). Additional Terms and Conditions
Obtaining Account Balance and Transaction History- You can obtain balance and transaction history on all eligible accounts that are enrolled in the Foundation Bank Internet Banking. Account balance and transaction history reflects activity through the close of the previous business day.

Transferring Funds- The number of transfers from a savings account or money market account is limited as described in the applicable Account Disclosure Statement. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

General Terms

(A). Changes to charges, fees or other terms- We reserve the right to change the charges, fees or other terms described in this Internet Banking Agreement. When changes are made to any fees, charges, or other material terms we will update this Internet Banking Agreement, and either send a notice to you at the address shown on our records, or send you and electronic mail message (E-mail). We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Schedule of Fees.

(B). Other General Terms Other Agreements- In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Account Disclosure Statement, the bank's rules and regulations, the rules and regulations of any funds transfer system to which the bank belongs, and applicable state and federal laws and regulations. We agree to be bound by them also. Bank's Right to Terminate this Agreement-The bank reserves the right to terminate this Internet Banking Agreement and your access to Internet Banking Services through Foundation Bank, in whole or in part, at any time.

Assignment- The bank may assign this Internet Banking Agreement to its parent corporation or to any now-existing or future direct or indirect subsidiary of its parent corporation. The bank may also assign or delegate certain of its rights and responsibilities under this Internet Banking Agreement to independent contractors or other third parties.

(C). Severability- If any section, sentence, clause or phrase of this Agreement is held to be invalid or unconstitutional by any Court of Competent jurisdiction, then said holding shall in no way affect the validity of the remaining portions of this Agreement.

Protecting Your Account

(A). Preventing Misuse of your Account- Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Foundation Bank Customer Service at (513) 721-0120. For more information, see section B "Unauthorized Transactions in Your Bank Accounts".

Protecting Personal Information- In addition to protecting your account information, you should take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account (s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

Taking Care of Your Online Password- The password that is used by you to gain access to Internet Banking Services through Foundation Bank should be kept confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, change your password at once and notify Foundation Bank Customer Service at once at (513) 721-0120.

(B). Unauthorized Transactions in your Bank Accounts- Notify us at once if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your account without permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call Customer Service at (513) 721-0120. If your online password has been compromised and 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 online password without your permission to access a bank deposit account. If you DO NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.00. Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days after the paper or online statement was sent to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended.

ACCEPTANCE- This Internet Banking Agreement ("Personal Account Internet Banking Agreement") for accessing your account via Foundation Bank Internet Banking explains the terms and conditions governing the following online services: banking, bill pay and other banking services offered through Foundation Bank. By using the Internet Banking Services you agree to abide by the terms and conditions of this Internet Banking Agreement.

Documentation

Terminal Transfers- You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.

Preauthorized Credits- If you arrange 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 (513) 721-0120 to find out whether or not the deposit has been made.

Periodic Statements- Accounts that are accessible by electronic fund transfer other than direct deposit will get monthly statements if there are transfers during the month, quarterly statements if there are none.

Preauthorized Payments

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 brochure in time for us to receive your request three (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 $20.00 for each stop payment order you give.

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 amount, or when the amount would fall outside certain limits you set.)

Liability for failure to stop payment or preauthorized transfer- If you order us to stop one of these payments three (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.

Financial Institutions Liability

Liability for failure to make transfers- If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we 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 our, you do not have enough money in your account to make the transfer. If you have an overdraft line and the transfer would go over the credit limit. If the automated teller machine where you are making the transfer does not have enough cash. If the terminal or system 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 have taken. There may be other exceptions stated in our agreement with you.

Confidentiality

We will disclose information to third parties about your account or the transfers you make: Where it is necessary for completing the transfer; or in order to verify the existence and condition of your account for a third party, 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.

Unauthorized Transfers

(A) Consumer Liability. Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning us 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 two (2) business days, you can lose no more than $50.00 if someone used your card and/or code without your permission. (if you believe your card and/or code has been lost or stolen, and 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 and/or code without your permission.) If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your card and/or code, and we can prove you 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 $500.00. 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 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 Limits for Foundation Bank Debit MasterCard, when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your Foundation Bank Debit MasterCard, when used for a point-of-sale transaction, if: (1) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (2) you have not reported to us two or more incidents of unauthorized use within the prior twelve month period and (3) your account is in good standing. If any of these conditions are met, your liability is the lesser of $50.00 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your Debit Card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limitation does not apply to PIN-based transactions or transactions not processed by MasterCard.

(B) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed on this web site.

Error Resolution Notice

In case errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure, 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. Tell us your name and account number.

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 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 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 have an established account with us before this account is opened. 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 copies of the documents that we used in our investigation.