ELECTRONIC FUNDS TRANSFERS

The Electronic Funds Transfers we are capabl= e 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 yo= ur checking accounts or other accounts.

Char= ges for EFT’s. <= span style=3D'font-size:10.0pt;font-family:Arial'>Except as indicated elsewhere,= we do not charge for electronic fund transfers.<= /o:p>

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. H= ere is how: Call or write us a= t the telephone number or address listed in this disclosure in time for us to rec= eive 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 a= nd get it to us within 14 da= ys after you call. <= /o:p>

Notice of Varying Amounts. If these regular payments vary in amoun= t, 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 out= side certain limits that you set.
Li= ability 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<= /span>. If we do not complete a transfer to or from your account on t= ime or in the correct amount according to our agreement with you, we will be li= able 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) T= here 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 co= mply 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 Feder= al 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 thi= nk 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 n= ame and account number (if any). (2) Describe the error or transfer you are uns= ure about, and explain as clearly as you can why you believe it is an error or = why you need more information.<= /span> (3) Tell us the dollar amount of the suspect= ed error. If you tell us ora= lly, we may require that you send us your question or complaint in writing withi= n 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 t= o 45 days (90 days if the transfer involved a point-of-sale transaction or a for= eign 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 u= se 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., Monda= y, 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