Directors

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Directors and Officers


DIRECTORS
Russel Shaffer Chairman of the Board
Maurice Gremillion
Wade M. Thompson
Glenn Gremillion
Thomas Enright Jr.
SICILY ISLAND BRANCH
CEO & PRESIDENT WADE M THOMPSON (NMLS 445885)
LOAN OFFICER LAYTON CURTIS (NMLS 1933461)
LOAN ASSISTANT JOY EASTERLING
LOAN ASSISTANT KELLIE FORD
OPERATIONS / COMPLIANCE OFFICER CHASE MORONI
CSR MICHELLE TEMPLE
HEAD TELLER MARCY GRIFFITH
TELLER PAM TARVER
TELLER / INSURANCE ANALYST CRYSTAL SANDERS
WINNSBORO BRANCH
BRANCH MANAGER / LOAN OFFICER DAVID STEPHENS (NMLS 1425092)
CSR MISTY COUGHRAN
HEAD TELLER BETHANI MARTINEZ
LOAN ASSISTANT CARA ROKNEDDINI
LOAN ASSISTANT JESSICA VALLERY
TELLER DIANA ROBBINS
BATON ROUGE AREA REPRESENTATIVE
SENIOR VICE PRESIDENT BRADLEY GREMILLION (NMLS 733421)
  • Monthly fee will also be waived for:
  • BANTERRA'S PREFERRED SAVINGS ACCOUNT

    Rate information - Your interest rate and annual percentage yield may change. This is a tiered rate account. The interest rate and corresponding annual percentage yield for each specified balance level are disclosed on the Rates page.

    Frequency of rate changes - We may change the interest rate on your account at any time.

    Determination of rate - At our discretion, we may change the interest rate on your account.

    Compounding and crediting frequency - Interest will be compounded quarterly. Interest will be credited to your account quarterly.

    Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

    Minimum balance to open the account - You must deposit $100.00 to open this account.

    Minimum balance to avoid imposition of fees - A service charge fee of $2.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month.

    Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

    Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

    Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

    Transaction limitations - Transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, debit card, or similar order to third parties.

    Fees - A per item service charge fee of $2.00 will be charged for each withdrawal in excess of four during a calendar month.

    SMART KIDS SAVINGS ACCOUNT
    (Available to customers up to age 22)

    Rate information - Your interest rate and annual percentage yield may change.

    Frequency of rate changes - We may change the interest rate on your account at any time.

    Determination of rate - At our discretion, we may change the interest rate on your account.

    Compounding and crediting frequency - Interest will be compounded quarterly. Interest will be credited to your account quarterly.

    Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

    Minimum balance to open the account - You must deposit $10.00 to open this account.

    Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.

    Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

    Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

    Transaction limitations - Transfers from a Smart Kids Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, debit card, or similar order to third parties.

    Fees - A per item service charge fee of $1.00 will be charged for each withdrawal in excess of three during a calendar month.

    Additional Terms - This account automatically changes to Banterra's Preferred Savings at age 22.

    MONEY MARKET ACCOUNT

    Rate information - Your interest rate and annual percentage yield may change.

    Frequency of rate changes - We may change the interest rate on your account at any time.

    Determination of rate - At our discretion, we may change the interest rate on your account.

    Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

    Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

    Minimum balance to open the account - You must deposit $2,500.00 to open this account.

    Minimum balance to avoid imposition of fees - A service charge fee of $8.50 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1,500.00 or a minimum average daily balance of $2,500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

    Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

    Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

    Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

    Transaction limitations - Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle.

    BANTERRA'S PREFERRED MONEY MARKET ACCOUNT

    Rate information - Your interest rate and annual percentage yield may change. This is a tiered rate account, tiers are as follows: $10,000-$24,999.99; $25,000-$99,999.99; $100,000-$249.999.99; $250,000-$499,999.99; $500,000+. See branch for interest rate and corresponding annual percentage yield for each specified balance level.

    Frequency of rate changes - We may change the interest rate on your account at any time.

    Determination of rate - At our discretion, we may change the interest rate on your account.

    Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

    Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

    Minimum balance to open the account - You must deposit $10,000.00 to open this account.

    Minimum balance to avoid imposition of fees - A service charge of $10.00 per statement cycle will be waived with $10,000.00 minimum daily balance in combination of identified Banterra's Preferred Money Market, NOW, Savings, Money Market Deposit Account, Certificate of Deposit, or Home Equity Line of Credit accounts.

    Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield.

    Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

    Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

    Transaction limitations - Transfers from a High Yield Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle.

    BANTERRA'S HEALTH SAVINGS

    Rate information - Your interest rate and annual percentage yield may change.

    Frequency of rate changes - We may change the interest rate on your account at any time.

    Determination of rate - At our discretion, we may change the interest rate on your account.

    Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

    Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

    Minimum balance to open the account - You must deposit $100.00 to open this account.

    Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

    Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

    Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

    Fees and Charges - Annual fee of $25.00 will be charged on the first statement cycle and then that month each year following.

    Additional Terms -

    COMMON FEATURES

    The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

    Schedule of Fees

    We will charge the normal service charge on all accounts even if there has been no activity in the account. The fee will equal the normal service charge for that account. This fee is charged each month.

    We may require not less than seven days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

    Your Ability To Withdraw Funds

    This policy statement applies to all transaction accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

    Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Funds from any deposits (cash or checks) made at Automated Teller Machines (ATMs) we own or operate will be made available on the first business day after the day of deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

    Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

    For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before the branch closes on a business day we are open, we will consider that day to be the day of your deposit for all branches except our Marion, Illinois Kroger branch where the cutoff time is 5:00 pm CT on business days.

    If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in one of your accounts. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

    If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in the account to which the deposit is made. The funds in the account would then not be available for withdraw until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

    Longer Delays May Apply

    Case-By-Case Delays - In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day.

    If we are not going to make all of the funds from your deposit available on the first business day, after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit.

    If you will need the funds from a deposit right away, you should ask us when the funds will be available.

    Funds you deposit by check may be delayed for a longer period under the following circumstances:

    • We believe a check you deposit will not be paid.
    • You deposit checks totaling more than $5,000 on any one day.
    • You deposit a check that has been returned unpaid.
    • You have overdrawn your account repeatedly in the last six months.
    • There is an emergency, such as failure of computer or communications equipment.

    We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

    SPECIAL RULES FOR NEW ACCOUNTS

    If you are a new customer, the following special rules will apply during the first 30 days your account is open.

    Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

    Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

    Consumer Accounts - Electronic Fund Transfers Your Rights and Responsibilities

    Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

    Electronic Funds Transfer Initiated by Third Parties

    You may authorize a third party to initiate electronic funds 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 bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank 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 funds transfer. Examples of these transfers include, but are not limited to:

    • Preauthorized credits - You may make arrangements for certain direct deposits to be accepted into your checking or savings.
    • Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking or savings.
    • 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.
    • Electronic returned check charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

    Banterra Visa Debit Card ATM Transactions Types of transfers

    You may access your account(s) by ATM using your Banterra VISA® Debit Card and your personal identification number (PIN)(as applicable) to:

    • Deposit funds to checking, savings, and money market accounts
    • Withdraw cash from checking, savings and money market accounts. You may withdraw no more than $500.00 per day (on-line) or $100.00 per day (off-line). Restart accountholders may withdraw up to $300.00 per day (on-line) or $100.00 per day (off-line).
    • Transfer funds between checking, savings, and money market accounts to checking, savings, money market accounts
    • Get balance information about checking, savings or money market accounts.

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

    PINless debit on a PIN-Debit Network

    Your Card allows you to conduct transactions using the NYCE and Cirrus debit networks, which generally require you to enter your PIN. Some Merchants are authorized to accept non-Visa debit transactions without requiring you to enter your PIN. For example, the debit networks support bill payment transactions. These PINless payments are initiated directly with the biller and your identity is verified using known information instead of using a PIN. These transactions are not covered by the provisions of the VISA cardholder agreement since these are non-VISA transactions.

    FEES:
    • We will charge you $5.00 to replace a lost or stolen Banterra VISA Debit Card.
    • We will charge you $3.00 for each ATM transaction made at an ATM we do not own or operate.

    Banterra VISA® Debit Card Point-of-Sale Transactions Types of transactions

    You may access your checking account(s) to do transactions that participating merchants will accept, including:

    • purchase goods in person, by phone or online
    • pay for services, in person, by phone or online
    • get cash from a participating merchant or financial institution
    • Point-of-Sale Transactions - dollar limitations - using your VISA® Debit Card: You may not exceed $2,500.00 in transactions per day.
    PINless debit on a PIN-Debit Network

    PINless debit transactions routed through VISA may be those that require signing a receipt, providing a Card number over the phone or via the Internet, or swiping the Card through a point-of-sale terminal.

    Currency Conversion on International Transactions

    Visa®

    When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either:

    • a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or
    • the government-mandated rate in effect for the applicable central processing date.

    The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

    A 0.80% Cross Border Fee will be assessed on all single currency International Visa/PLUS transactions. If Visa/PLUS has performed a currency conversion function, the fee will be 1% for International transactions.

    Cirrus, MasterCard, or Maestro

    A 0.20% Currency Conversion Fee will be assessed on international transactions where Cirrus, MasterCard or Maestro has performed a currency conversion function.

    • This fee will be based on either a government mandated exchange rate, or a wholesale exchange rate selected by Cirrus, MasterCard, or Maestro and the rate used will be the applicable rate on the day the transaction was processed, which may differ from the date of the transaction or when it posted to the cardholder's account.

    A 0.90% Cross Border Fee will be assessed on all international transactions whether or not a currency conversion function was performed by Cirrus, MasterCard or Maestro.

    Advisory Against Illegal Use: You agree not to use your Card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

    Computer Access Plan Types of transfers

    You may access your account(s) by computer at www.banterra.com and using your Customer ID Number and Password to:

    • Transfer funds between checking, savings, and money market accounts to checking, savings, money market accounts, or loans
    • Get balance information about checking, savings, certificate of deposit, line of credit or money market accounts, or loans
    • Get withdrawal history about checking, savings or money market accounts
    • Get deposit history about checking, savings or money market accounts
    • Get transaction history about checking, savings or money market accounts, or loans

    Bill Payment & Presentment Types of transfers

    You may access this service by computer at www.banterra.com and using your Customer ID Number and Password. You may access this service to:

    • Make payments from your checking account(s) to third parties. (Some payments made by paper check will not be subject to this Electronic Fund Transfer disclosure. See your service agreement for details.)

    Limits and Fees - Please refer to our fee disclosure for information about fees and limitation that may apply to these 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).

    Limitations on Frequency of Transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your savings or money market account(s):

    • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle.
    • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, Debit Card, or similar order to third parties.

    Documentation

    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. You may not get a receipt for point-of-sale purchases $15.00 or less.

    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:

    • The person or company making the deposit will tell you every time they send us the money.
    • You can call us at 877.541.2265 to find out whether or not the deposit has been made.

    Periodic Statements -You will get a monthly account statement from us for your checking and money market account(s). You will get a monthly account statement from us for your savings account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

    Online Banking Transfers - You will be provided a confirmation of your online transfers that you may print and keep.

    Preauthorized Payments

    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 require you to put your request in writing and get it to us within 14 calendar days after you call.

    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 that 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.

    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 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 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:

    • Where it is necessary for completing transfers
    • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant
    • In order to comply with government agency or court orders
    • As explained in our Privacy Policy Disclosure, provided separately

    Unauthorized Transfers

    (a)Consumer Liability - (1)Tell us AT ONCE if you believe your Card and/or code has been lost or stolen, or if you believe that an electronic funds 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. If you tell us within two business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your Card and/or code without your permission.

    • If you do NOT tell us within two 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 periods.
    • Additional Limit on Liability for Banterra VISA® Debit Card. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Banterra VISA® Debit Card. This additional limit on liability does NOT apply to ATM transactions or to transactions using your personal identification number which are not processed by VISA®.

    (b) Contact in event of unauthorized transfer. If you believe your Card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.

    Error Resolution Notice

    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.

    • 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 the transfer involved a point-of-sale transaction and 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 for point-of-sale transactions and 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. 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 the 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.

    Notice of ATM/Night Deposit Facility User Precautions

    As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

    1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
    2. Mark each transaction in your account record, but not while you are at the ATM or night deposit facility. Always save your ATM receipts. Do not leave them at the ATM or night deposit facility because they may contain important account information.
    3. Compare your records with the account statements you receive.
    4. Do not lend your ATM Card to anyone.
    5. Remember, do not leave your Card at the ATM. Do not leave any documents at a night deposit facility.
    6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM Card as though it were cash. Do not tell anyone your PIN or give any information regarding your ATM Card or PIN over the telephone. Do not write your PIN where it can be discovered. For example, do not keep a note of your PIN in your wallet or purse.
    7. Prevent others from seeing you enter your PIN by using your body to shield their view.
    8. If you lose your ATM Card or it is stolen, promptly notify us.
    9. When you make a transaction, be aware of your surroundings. Look for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
    10. Do not accept assistance from anyone you do not know when using an ATM or night deposit facility.
    11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, put your Card away, and leave. You might consider using another ATM or coming back later.
    12. Do not display your cash; put it away as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
    13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
    14. .We want the ATM and night deposit facility to be safe and convenient for you; therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and local law enforcement officials immediately.
    Banterra Bank
    Electronic Banking Department
    P.O. Box 291
    1404 U.S. Route 45 South
    Eldorado, IL 62930
    Phone: (877) 541-2265 (Toll-Free)

    Business Days: Monday through Friday
    Excluding Federal Holidays

    Patriot Act

    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.

    Banterra Bank
    Banterra Customer Care
    P.O. Box 291
    1404 U.S. Route 45 South
    Eldorado, IL 62930
    Phone: 866-BANTERRA (226-8377), Option 2

    Business Days: Monday through Friday
    Excluding bank holidays