ELECTRONIC
FUNDS TRANSFERS

YOUR RIGHTS AND
RESPONSIBILITIES

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

Type of Transfers: Preauthorized Withdrawals. You may make arrangements to pay your monthly balance from your
checking accounts or other accounts.

Charges
for EFT’s.  Except as indicated elsewhere, we do
not charge for electronic fund transfers.

Stop Payment Procedures and Notice of Varying
Amounts for Preauthorized Transfers; 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 disclosure 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 may also require you to put your request in writing and
get it to us within

14 days
after you call.

Notice of Varying Amounts. If these regular payments vary in amount, you
are entitled to notice at least 10 days before each payment, when it will be
made and how much it will be. We prefer, however, that you choose to
instead 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.

Our 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: (1) If, through no fault
of ours, you do not have enough money in your account to make the transfer. (2) If the transfer would go over the credit
limit on your overdraft line. (3) If circumstances beyond our control (such as
fire or flood) prevent the transfer, despite reasonable precautions we have
taken.

(4) There
may be other exceptions stated on our agreement with you.

Disclosure of Account Information to Third
Parties. We will disclose information to third parties about your
account or the transfers you make: (1) where it is necessary for completing transfers; (2) in order to verify the existence and
condition of your account for a third party, such as a credit bureau or
merchant; (3) in order to comply
with government agency or court orders; or (4) if you give us written permission.

Regulatory Authority. If
you believe that any provision of the Electronic Funds Transfer Act has been
violated you should notify your state’s attorney general or the Federal
Reserve Board.

Error Resolution. In case of errors or
questions about your electronic transfers, call or write us at the telephone
number or address listed in this disclosure, 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. Be sure to: (1) Tell us your name
and account number (if any). (2) Describe the error or 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 question or complaint in writing within 10
business days. We will tell you the results of our investigation within 10
business days (20 business days if the transfer involved a point-of-sale
transaction or a foreign initiated transfer) 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 point-of-sale transaction or a foreign
initiated transfer) to investigate your complaint or question. If we decide to
do this we will recredit your account within 10 business days (20 business days
if the transfer involved a point-of-sale transaction or a foreign initiated
transfer) 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 questions in writing and we do not receive it
within 10 business days, we may not recredit your account. If we decide that
there was 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 we used in our investigation. If you have inquiries regarding your
account, please contact us at:

ABC Financial Services, Inc.

8320 Highway 107

Sherwood, AR 72120

BUSINESS DAYS: 8:00 a.m. to 5:00 p.m., Monday,
Tuesday, Wednesday, Thursday, Friday; Excluding Federal Holiday.
Closings as announced. Error reports accepted Monday through Friday only.

PHONE: (501) 515-5000

MORE DETAILED INFORMATION IS AVAILABLE UPON REQUEST