Brannen Bank: Disclosures

	Rev 1/2012

FACTS	WHAT DOES BRANNEN BANK DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income account balances and payment history credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.

How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Brannen Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Brannen Bank share?	Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No

For our marketing purposes— to offer our products and services to you		No	We don't share

For joint marketing with other financial companies		Yes	No

For our affiliates’ everyday business purposes— information about your transactions and experiences		Yes	No

For our affiliates’ everyday business purposes— information about your creditworthiness		No	We don't share

For nonaffiliates to market to you		No	We don't share


What we do

How does Brannen Bank protect my personal information?		To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Brannen Bank collect my personal information?		We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?		Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates			Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include nonfinancial companies, such as Brannen Banks of Florida, Inc. and Brannen Properties, Inc.

Nonaffiliates			Companies not related by common ownership or control. They can be financial and nonfinancial companies. Brannen Bank does not share with nonaffiliates so they can market to you

Joint marketing			A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Brannen Bank doesn’t jointly market

Questions?	Call Brannen Bank at 1-352-726-1221

The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

TYPES OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS
(a) Prearranged Transfers.
Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking and/or savings account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking and/or savings account(s).

(b) Telephone Transfers.
You may access your account(s) by the INFOLINE telephone numbers listed at the end of this disclosure, using a touch tone phone, your account numbers, and your personal identification number (PIN) to:
Transfer funds from checking to savings.
Transfer funds from savings to checking.
Get checking account(s) information.
Get savings account(s) information.

(c) ATM Transfers.
You may access your account(s) by ATM using your Brannen Banker 24 ATM Card or Brannen Banker Money Card and personal identification number to:
Make deposits to checking accounts.
Make deposits to savings accounts.
Get cash withdrawals from checking accounts you may withdraw no more than $300.00 per 24 hours.
Get cash withdrawals from savings accounts you may withdraw no more than $300.00 per 24 hours.
Transfer funds from savings to checking.
Transfer funds from checking to savings.
Get checking account(s) information.
Get savings account(s)information.

(d) Point-Of-Sale Transactions.
Using your card:
You may access your checking account, savings/money market account(s) to purchase goods ( in person, by phone, by computer), pay for services ( in person, by phone, by computer), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything you can do with a credit card.
You may not exceed more than $1000.00 in transactions per 24hr period.

(e) Computer Transfers.
You may access your account(s) by computer at www.brannenbanks.com and using your account numbers, log-in ID, and password to:
Transfer funds from checking to savings.
Transfer funds from savings to checking.
Transfer funds from line(s) of credit to checking, savings, or money market account(s).
Make payments from checking to loan accounts with us.
Make payments from savings/money market account(s) to loan accounts with us.
Get checking account(s) information.
Get savings account(s) information.
Get time deposit/money market account(s) information.
Get loan account(s) information.

(f) Electronic Fund Transfers Initiated By Third Parties.
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:
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. You may make payments by electronic check from your account.
Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. You may make electronic payment of charges for checks returned for insufficient funds from your account.

GENERAL LIMITATIONS
In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:
Transfers from a Money Market / Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six with no more than three transfers by Ck, Draft, Dbt Crd or similar order to third parties. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
Brannen Banks ETA account is limited to four ATM withdrawals and four balance inquiries per statement period.

FEES
See deposit account information brochure for fees associated with ATM/Debit cards and fees for excess transactions.

Except as indicated above, we do not charge for 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).

DOCUMENTATION
(a)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.
(b) 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.
(c) In addition, You will get a monthly account statement from us, unless there are no transfers in a particular month. In any case you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS
(a) 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's 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 $31.00 for each stop payment.

(b) 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.)

(c) Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 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 INSTITUTION'S LIABILITY
(a) 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 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 our agreement with you.

CONFIDENTIALITY
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 or a third party, such as a credit bureau or merchant; or
(3) in order to comply with government agency or court orders; or
(4) if you give us written permission.
(5) as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS
(a) Consumer Liability.
Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe than an electronic 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 believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission. Also, 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 period.

MasterCardDebit
Additional Limits on Liability for Brannen Banker Money Card. You will not be liable for any unauthorized transactions using your MasterCard debit 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 are not 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. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by MasterCard. MasterCard is a registered trademark of MasterCard International Incorporated.

(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 at the end of this disclosure.

ERROR RESOLUTION NOTICE
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed below, 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 (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 (5 business days if involving a Mastercard transaction or 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 (5 business days if involving a Mastercard transaction or 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.

An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. 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.

INSTITUTION ADDRESS:
Brannen Bank
320 S. Hwy 41
Inverness, FL 34450
(352)726-1221

Business Days: Monday - Friday
Federal Holidays and weekends not included.

INFOLINE TELEPHONE NUMBERS

To report a lost or stolen card, please call 860-0040 (Citrus County Zone).
797-0477 Brooksville/Weeki Wachee phone exchanges
465-0477 Dunnellon phone exchanges.
1-800-860-0040 Nationwide - Outside Above Areas.