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Our Card Goes Beyond Conventional Checking. Most check books can only do one thing...checking. M&J MasterMoney Check Card does this and much more. M&J MasterMoney Check Card gives you a faster, more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or anything else wherever Credit MasterCard® is accepted. Plus M&J MasterMoney Check Card performs all the functions of an ATM card. It's the checking-withdrawing-and-transferring-funds card all in one.

Fast And One-Step Easy. Forget having to round up your checkbook, a pen and two forms of identification. With M&J MasterMoney Check Card, every purchase is simple.

Worry-Free When You're Out of Town. No need to worry about getting your checks cashed out of town. Because M&J MasterMoney Check Card is accepted wherever MasterCard is, you'll be welcomed like a local every place you travel.

Provides All The Advantages Of An ATM Card. Need to withdraw or transfer funds? No problem. M&J MasterMoney Check Card gives you access to these services whenever you need them.

Economical And Ecological. Eliminate the need to purchase checks (and the risk of running out when you're at the checkout), M&J MasterMoney Check Card saves money in check printing fees while it saves valuable resources.

Safeguarded If Lost Or Stolen. When you receive your M&J MasterMoney Check Card, you'll also be assigned a personal identification number (PIN). It's added security against someone making transactions without your consent. And, as an added safeguard, we provide a cap on your liability if your card is lost or stolen. See the disclosure below for details.

Just Like Balancing Your Checkbook. Every month in which a transaction is completed, you'll receive an account statement that includes the date, location, and amount of every transaction you've made.

Apply For Yours Today. To apply, print and complete the application and mail or deliver it to your branch location. Once approved your M&J MasterMoney Check Card should arrive within 14 days of your approval. For your protection, your PIN will be sent to you in a separate mailing. Before you know it, you'll be experiencing all the benefits of checkless, ATM checking with one card.

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 print or bookmark this notice for future reference.

ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your M&J MasterMoney Check Card and personal identification number to:

• get cash withdrawals from checking account(s) with a credit card - you may withdraw no more than $300.00 cash per day per account.
• get cash withdrawals from savings account(s) with  a credit card
• transfer funds from savings to checking account(s) with a credit card
• transfer funds from checking to savings account(s) with a credit card
• get information about the account balance of your checking accounts with a credit card, the account balance of your savings accounts with a credit card

You will be assessed a $1.50 fee per ATM transaction. You may also be assessed a surcharge or user fee by the ATM owner. Some of these services may not be available at all terminals.

Types of M&J MasterMoney Check Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person), pay for services (in person), get cash from a merchant, if the merchant permits, or from a participating financial institution.

Point-of-Sale Transactions - dollar limitations and charges - Using your card:

• you may not exceed $1,000.00 in point-of-sale transactions per day per account
• Savings and Money Market accounts are limited to six preauthorized transfers per month, no more than three of which can be by check or credit card

Fees

• We will charge you $10.00 for a replacement credit card personal identification number
• We will charge you $10.00 to replace a lost credit card.

Documentation

• Terminal transfers. You can get a receipt at the time you make any transfer to or from you account using one of our automated teller machines or point-of-sales terminals.
• Periodic Statements. You will get a monthly account statement from us for your checking and savings accounts with credit card activity. You will get a quarterly account statement from us for your savings account(s) that do not have credit card activity.

Financial Institution's 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 you losses or damages. However, there are some exceptions. We will not be liable, for instance:

i. If, through no fault of ours, you do not have enough money in your account to make the transfer.

ii. If you have an overdraft line and the transfer would go over the over-draft line limit.

iii. If the automated teller machine where you are making the transfer does not have enough cash.

iv. If the terminal or system was not working properly and you knew about the breakdown  when you started the transfer.

v. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

vi. 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:

i. where it is necessary for completing transfers; or

ii. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or

iii. in order to comply with government agency or court orders; or

iv. if you give us written permission

Unauthorized Transfers

(a) Consumer liability. 1) Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping potential losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days, you can lose no more than $50 if someone used your card without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 4 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 permission.) If you do NOT tell us within 4 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 $300. 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 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.

2) Additional Limits on Liability for MasterMoney Check Card when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your M&J MasterMoney Check Card, when used for point-of-sale transactions using your M&J MaterMoney Credit 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 service obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your debt 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.

b) Contact us in the 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 fro your account without your permission, call or write us at your branch location.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at your branch location 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.

i. Tell us your name and account number (if any).

ii. Describe the error or the transfer you ware unsure about, and explain as clearly as you can why you believe it is any error or why you need more information.

iii. 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 questions. 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) the 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 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.

USA Patriot Act - Important Information About Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

USA Patriot Act - Important Information About Opening A New Account