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The following disclosures apply to your Visa Debit Card:

  1. Use of Your Card.

    a. Account Access. You may use your card to:
    1. Withdraw cash from the account(s) you have selected.
    2. Transfer funds between the accounts you have selected.
    3. Pay for purchases at places that have agreed to accept the Visa Debit Card.
    4. Inquire for balances of the account(s) you have selected.

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

    b. Limitations on Dollar Amount of Transfers.
    You may withdraw up to $500 from ATM terminals and may buy up to $3,000 worth of goods and services each calendar day with your Visa Debit Card (however, the amount will not exceed your available balance plus any available line of credit).

  2. Documentation of Transfers.

    1. Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our terminals.
    2. Periodic Statements. You will get a monthly account statement unless there are no transfers in a particular month. In any case you will get the statement at least quarterly.

  3. Liability of 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 the funds are subject to legal process or other encumbrance restricting a transfer.
    3. If the transfer would go over the credit limit on your line of credit.
    4. If the terminal where you are making the transfer does not have enough cash.
    5. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
    6. If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.
    7. There may be other exceptions stated in our agreement with you.
    8. In no event will we be liable for more than actual damages proved if any failure of ours was unintentional, and resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adopted to avoid such an error.

  4. Account Information Disclosure.

    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 existance 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. If you give us your written permission.

  5. Liability for Unauthorized Use.

    Notification Requirement. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit).

    If you tell us within four business days, you can lose no more than $50 if someone performed an unauthorized ATM transaction using your card.
    If you do NOT tell us within four business days, (two business days for debit transactions) after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card to perform an unauthorized transaction if you had told us, you could lose as much as $300 ($50 for VISA debit transactions).

    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 hospital stay) kept you from telling us, we will extend the time periods.

    Address and Telephone Number.
    If you believe your card has been lost or stolen or that someone has transferred or may transfer money from you account without your permission, call us at 1-866-868-1919 or write us at:
    Southern Commerce Bank
    P.O. Box 26458
    Kansas City, MO 64105-6458

    Business Day Disclosure. Our business days include everyday other than Saturday, Sunday or one of the Federal holidays.

  6. Charges.

    You will not be charged for transactions conducted at Southern Commerce Bank ATM terminals. For ATM transactions conducted at other terminals, Southern Commerce Bank will assess a $1.00 charge. There will be a $.50 charge for denied transactions.


    Call us at 1-866-868-1919, or write us at:
    Southern Commerce Bank
    P.O. Box 26458
    Kansas City, MO 64105-6458
    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.
    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 ten business days.

    We will tell you the results of our investigation within 10 business days (five business days for VISA debit transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 business days (five business days for VISA debit transactions) 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 (five business days for VISA debit transactions), we may not recredit your account. (If the transaction involved was a point-of-sale transaction or a transaction initiated outside the United States, the above time periods may be extended as follows: 10 business days may be extended to 20 business days and 45 days may be extended to 90 days).

    If we decide that there is no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

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