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 Fund Transfers Initiated By Third Parties - You may authorize a third party to initiate electronic fund 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 financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution 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 fund transfers. 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.

24-Hour Phone Banking transactions - types of transactions - You may access your account by telephone using your account number(s), personal identification number (PIN), social security number and touch tone phone to:

• transfer funds from checking or savings to checking or savings
• make payments from checking or savings to loan accounts
• get balance information about checking, savings or line of credit
• get transaction history about checking, savings or line of credit

You may access your account for telephone transactions at the following number(s) and during the following hours:

• (651) 628-9830 (24 hours a day)

Instant Cash Card transactions - types of transactions - You may access your account(s) by ATM using your Instant Cash Card and your account number and personal identification number (PIN) to:

• deposit funds to checking or savings
• withdraw cash from checking or savings
• transfer funds from checking or savings to checking or savings
• get balance information about checking or savings
• get transaction history about checking, savings or line of credit
• You may withdraw no more than $259.00 in cash per day, unless a higher limit is agreed upon.
   
  There is a $2.00 per transaction for each withdrawal in excess of 6 per statement cycle.

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

Instant Cash & Check Card ATM transactions - types of transactions - You may access your account(s) by ATM using your Instant Cash & Check Card and your account number and personal identification number (PIN) (as applicable) to:

• deposit funds to checking or savings
• withdraw cash from checking or savings
• transfer funds from checking or savings to checking or savings
• get balance information about checking or savings
• get transaction history about checking or savings
• Your daily transaction limit may not exceed $500.00 in transactions per day, unless a higher limit is agreed upon.

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

Instant Cash & Check Card point-of-sale transactions - types of transactions - You may access your checking account(s) by debit card 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

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.

E-Banking - types of transfers - You may access your accounts by computer at www.cpride.com and using your account number(s), personal identification number (PIN) and E-Banking ID to:

• transfer funds from checking or savings to checking or savings
• transfer funds from line of credit to checking
• make payments from checking or savings to loan account
• get balance information about checking, savings, certificate of deposit, line of credit or loan accounts
• get transaction history about checking, savings, line of credit or loan account

Bill Pay - types of transfers - You may access this service by computer at www.cpride.com and using your user name and password and E-Banking ID.

You may access this service to:

• make payments from your checking account(s) to anyone
  (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 limitations 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 accounts, money market accounts account(s):

During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Security limitations - For security reasons, there are other limits on the number of transfers you can make using our terminals, point-of-sale transfer service and computer transaction service.

Termination - You may terminate the electronic fund transfer agreement by giving us written notice. For transfers you preauthorize with a third party, you should revoke authorization by appropriate notice to the third party. We may terminate the electronic fund transfer agreement by giving you notification that we have or will be cancelling this agreement.

Documentation
Terminal transfers - You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 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 (763)862-6500 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 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.

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 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 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 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.

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:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. 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:

1. where it is necessary for completing transfers; or
2. in order to verify the existence 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 written permission.

Unauthorized Transfers

1. Consumer liability. Generally, tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund 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 of the money in your account (plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your card and/or code. If due to the loss or theft of your card and/or code, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than $50 if someone used your card and/or code without permission.
    
   If you do NOT notify us within 60 days after the unauthorized transfer appears on your statement, and we prove that we could have stopped someone from using your card and/or code without your permission if you had told us within two days of when you discover the loss or theft of your card and/or code, you could lose as much as $50 for unauthorized transfers that appear on the statement.
    
   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 may extend the time period.
    
   (2) Additional Limit on Liability for VISA(R) card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA 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.
    
2. 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.

Right to Bring Civil Action
You may bring a civil action against any person violating any provision of Minnesota Statutes section 47.69 (governing consumer privacy and unauthorized withdrawals). If you prevail in such an action, you may recover the greater of your actual damages or $500. You may also be entitled to recover punitive damages, your court costs and reasonable attorney's fees.

Point-Of-Sale Transactions
Payment for goods or services made in this manner shall not affect any of the rights, protections or liabilities in existing law concerning a cash or credit sale by means other than through the use of a terminal.

You cannot reverse a point-of-sale transaction.

Time Needed to Complete Terminal Transactions
Transactions completed at an ATM we do not own or operate will be completed within one business day. Transactions completed by 6:00 PM on a business day at an ATM we own or operate will be processed on the same business day. If the transaction is completed after 6:00PM, then the transaction will be processed on the next business day.

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.

1. Tell us your name and account number (if any).
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 10 business days.

We will determine whether an error occurred within 10 business days (five 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 (five business days if the transfer involved a point-of-sale transaction 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.

If you have inquiries regarding your account, please contact us at:
 
Community Pride Bank
1441 Bunker Lake Blvd. NE
Ham Lake, MN 55304
BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday and Friday
Holidays are not included.
PHONE: (763)862-6500

Notice Of ATM/Night Deposit Facility User Precautions
As with all financial transactions, please exercise discretion when using an automated teller machine (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 at the ATM or night deposit facility. Always save your ATM receipts. Don't 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. Don't 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. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don't write your PIN where it can be discovered. For example, don't 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 if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
    
9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that 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. Don't accept assistance from anyone you don't 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, pocket your card and leave. You might consider using another ATM or coming back later.
     
12. Don't display your cash; pocket it 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 the local law enforcement officials immediately.

Other Terms
If applicable, your available account balance may include the amount available on your overdraft protection line of credit. You may incur fees and/or interest expense whenever a withdrawal by specific means (such as by check, in person withdrawal, ATM withdrawal, transfers, electronic bill pay or other electronic means) exceeds your actual available account balance and advances funds from your overdraft protection line of credit.

For some transactions with certain retailers and service providers, you may no longer be offered a receipt when using your ATM/debit card if the total dollar amount of the transaction is $15.00 or less.

PRIVACY POLICY
At Community Pride Bank we place the highest value on the trust you have placed in us. Our pledge to you is to continue to earn that trust by safeguarding your privacy.

These are the principles of our policy:

"We", "our", and "us" means Community Pride Bank.

"Nonpublic personal information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

Community Pride Bank collects only that information about our customers that is deemed legally relevant or necessary for us to conduct our business. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications
• Information about your transactions with us or others
• Information we receive from a consumer reporting agency

We do not disclose any nonpublic personal information about our customer's or former customers to anyone except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice.

Community Pride Bank does not reveal specific information about your account(s) or other information to third parties for their independent use, unless:

1. You have requested us to do so.
2. The information is provided to help complete a transaction initiated by you.
3. The disclosure is required or allowed by law.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:

? Information you give us on an application or other forms, such as:

• Name
• Address

We do not provide your personal information to non-Bank companies for the purpose of their independent use. Although, you will not have the option to opt out of this sharing agreement, if we share information with a third party non-affiliated marketing firm to tell you about our new products or services, we will enter into a written agreement with the third party. The agreement will require the third party to maintain the confidentiality of the information in the same manner our Bank would.

Keeping your account information accurate and up to date is very important to us. If you detect that our records may be inaccurate or incomplete, please contact us immediately so the necessary corrections can be made.

We restrict access to nonpublic personal information about you, to those employees who need to know that information to provide products or services to you. These employees are fully trained in the proper handling and confidentiality of customer information. Community Pride Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

If you have any questions regarding our privacy policy, please contact our Operations Officer at (763) 862-6500.

DISCLOSURES REGARDING ELECTRONIC "WHOLESALE CREDIT" TRANSACTIONS

Subject to Uniform Commercial Code
Article 4A

PROVISIONAL PAYMENT:
Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.

NOTICE OF RECEIPT OF ENTRY:
Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you.

CHOICE OF LAW:
We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Funds Transfer Act and your rights and obligations with to such payments shall be construed in accordance with and governed by the laws of the State of New York, as provided in the operating rules of the National Automated Clearing House Association, unless it has been otherwise specified in a separate agreement that the law of some other state shall govern.

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST