Signing up is easy and secure! Byron Bank Anytime E-Statements™ uses the highest level of encryption protection available in order to safeguard your account information. Follow the steps below to register for the service. 

When you register for Byron Bank Anytime E-Statements™, you will be asked to create a personalized password. This password is required to access your Byron Bank Anytime E-Statements™ that you will receive.

If you have any questions about the registration process, you can either email Byron Bank Anytime E-Statements™ Customer Service at estatements@bankatbyron.com or call at 616-878-1591 ext. 2309.

CONSUMER'S LIABILITY. You will tell us AT ONCE if you believe your card 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 believe your card or code has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card or code without your permission.

If you do NOT tell us within two business days after you learn of the loss or theft of your card or code and we can prove we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500.00.

Limitation of Liability for Unauthorized Master Card Point of Sale Transactions using MasterMoney Card. You will not be liable for any unauthorized transactions using your

MasterMoney Card, when used for point-of-sale transactions if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss

or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions has not been met, your liability is the lesser of $50 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.

Also, if your statement shows transfers that you did not make, you will 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 that 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.

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)

CONTACT IN EVENT OF UNAUTHORIZED TRANSFER. If you believe your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, you will call (616) 878-1591 or write BYRON BANK, Customer Service Department, 2445 84th St Sw, Byron Center, MI 49315.

BUSINESS DAYS. For purposes of these disclosures, our business days are Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays are not included.

TYPES OF TRANSFERS. You may authorize certain direct deposits to your checking or savings account. You may authorize certain bills and other payments to be deducted

from your checking and savings accounts. A merchant may convert your check in payment for merchandise or services into an electronic funds transfer from your account.

You may use your card or code to:

• Make deposits to your checking and savings accounts.
• Pay for purchases at places that have agreed to accept the card or code.
• Transfer funds between your checking and savings accounts.
• Withdraw cash from your checking and savings accounts.

Some of these services may not be available at all terminals. .

LIMITATIONS ON DOLLAR AMOUNTS OF TRANSFERS:

• You can withdraw $300.00 per day from terminals and $500.00 per day using our point-of-sale transfer service totaling $800.00 per day for ATM cards.
• You can withdraw $500.00 per day from terminals and $2,500.00 per day using our point-of-sale transfer service and Check Card, totaling $3,000.00 per day for Debit Cards.

FEES:

• You will be charged $3.00 per card for the issuance of replacement access cards.
• You will be charged $1.50 for each cash withdrawal using a foreign terminal system.

CONFIDENTIALITY. We will disclose information to third parties about your account or the transfers you make:

• Where it is necessary for completing transfers, 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.

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 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

(616) 878-1591 to find out whether the deposit has been made.

Periodic Statements. You will get a monthly account statement unless there are no electronic transfers in a particular month. In any case, you will get the statement at least

quarterly. You will not receive a periodic statement if your account is a passbook account Present your passbook and we will record any electronic deposits to your account.

@ 2003 Kirchman Corporation

PREAUTHORIZED PAYMENTS:

Stop Payments. 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 us at (616) 878-1591 or

write us at BYRON BANK, 2445 84th St Sw, Byron Center, MI 49315, in time for us to receive your request three business days or more before the payment is scheduled to be

made. If you call, we can also require you to put your request in writing and get it to us within 14 days after your call. We will charge you $20.00 for each stop payment order

you give us.

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.

FINANCIAL INSTITUTION'S LIABILITY. If we do not complete a transfer to or from your account on time, or in the correct amount according to your agreement with us, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

.

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would go over the credit limit on your overdraft line.
• 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 your agreement with us.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. You will telephone us at (616) 878-1591 or write us at BYRON BANK, 2445 84th St Sw, Byron Center, MI 49315 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. You will:

• Tell us your name and account number (if any).
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if 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 point-of-sale transaction, or new account, 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 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. For the purpose of this paragraph, an account is a new account for a period of 30 days from the date of the first deposit to the account.

We will tell you 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.

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