As a customer of Dollar Bank, you have at your fingertips one of the most complete and convenient groups of services available anywhere. We hope you'll take full advantage of our Electronic Funds Transfer Services, which have been designed to make your everyday banking as quick and convenient as possible. Electronic Funds Transfer Services include all transfers resulting from your Dollar Bank Banking Card (which includes Debit Cards, Point of Sale Debit Cards, Automated Teller Machine Cards and cards combining one or more of these services), Preauthorized Transfers and Telephone Banking. There are some things you should know about our responsibilities to you as a customer, as well as your own rights and responsibilities under the Electronic Funds Transfer Act.

Please take a moment to read the following information which applies to these services. We suggest you keep this information on hand for future reference.

IMPORTANT:

To utilize the services of Automated Teller Machines (ATMs) or Telephone Banking (Pay-by-Phone) to transfer funds electronically, you must request the issuance of a Personal Identification Number. Even if you do not wish to use your Dollar Bank Banking Card to authorize electronic transfers, you must retain the card for identification in Dollar Bank Branches.

The following disclosures, required by federal law, apply to the following Electronic Funds Transfer Services:

• A Dollar Bank Banking Card for use at Automated Teller Machines or Point of Sale terminals with the use of a PIN.
• Dollar Bank Telephone Banking (Pay-by-Phone).
• Direct Deposit to your account(s).
• Preauthorized withdrawals from your account(s) for payment to a third party.
• A Dollar Bank Banking Card for use as a debit card at Point of Sale terminal without the use of a PIN.
• Other services which may be offered involving electronically initiated services.

DEFINITIONS

The following terms used in this disclosure statement are defined below:

The term "account" includes all deposit accounts which you maintain with Dollar Bank.

"Automated Teller Machine" or "ATM" refers to banking machines that perform Electronic Funds Transfer Services that are initiated via a Banking Card and a PIN.

The term "checking account" refers to a Dollar Bank account on which you may write checks.

"Savings Account" refers to an account offered by Dollar Bank that qualifies as a savings account as defined in Regulation D of the Federal Reserve Board.

"Transfer Account" refers to Dollar Bank savings or money market accounts from which certain types of third party transfers may be made, as more fully described in the Account Information Schedules governing these type of accounts.

"Dollar Bank" or "Bank" or "we" or "us" refers to Dollar Bank, Federal Savings Bank and each and all of its subsidiaries and affiliates.

"New Account" means an account is considered to be a new account during the first 30 calendar days after the account is established. An account is not considered a new account if each customer on the account has had, within 30 calendar days before the account is established, another account at Dollar Bank for at least 30 calendar days.

"Personal Identification Number" or "PIN" means the confidential personal identification number or code assigned to you by Dollar Bank or selected by you for identification purposes in connection with the use of your Dollar Bank Banking Card, Telephone Banking Services.

The term "transactions" refers to all transfers, payments, deposits, withdrawals or other activity on your account performed through any of the electronic services described in this disclosure statement.

"Point of Sale transaction" or "POS transaction" refers to a purchases made by the use of a Banking Card at the point of sale.

"Dollar Bank Banking Card" or "Banking Card" refers to a personal banking card issued to you to perform Automated Teller Machines transactions, Point of Sale transactions, with the use of a PIN, and/or to perform debit card transactions at the point of sale without the use of a PIN.

LIABILITY FOR UNAUTHORIZED TRANSACTIONS

Tell us at once if you believe your Banking Card or PIN has been lost or stolen, or if you believe that either of them is in the possession of an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account(s) plus any available maximum overdraft line of credit. If you tell us within 2 business days you can lose no more than $50 if someone used your card or PIN without your permission.

If you do not tell us within 2 business days after you learn of the loss or theft of your Banking Card or PIN, and we can prove we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us about unauthorized transactions within 60 days after the statement was mailed to you, you may not get back any money 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 kept you from telling us, such as a long trip or a hospital stay, we will extend the time periods. Note: The liability limits stated above refer only to unauthorized electronic access and transfers through Telephone Banking, ATMs, point-of sale terminals and Preauthorized Transfers. There are no set limits for customer liability for over-the counter unauthorized transactions at a Dollar Bank office. For you protection, please examine you statements promptly and notify us immediately of any problem.

TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT OF UNAUTHORIZED TRANSACTIONS

If you believe your banking card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account(s) without permission, contact us immediately at 1-800-535-2557, or 412-261-8200 in the Pittsburgh area and 216-736-8896 in the Cleveland area, or write to us at: Dollar Bank, Banking Machine Svcs. & Security, P.O. Box 765, Pittsburgh, PA 15230.

DOLLAR BANK'S BUSINESS DAYS

Our business days are Monday through Friday. Holidays are not included.

TYPES OF AVAILABLE TRANSACTIONS AND LIMITATIONS ON TRANSACTIONS

USE OF BANKING CARD AT BANKING MACHINES

You may use your Banking Card at ATMs to:

• Withdraw cash from the account(s) associated with your card.
• Make deposits to the account(s) associated with your card.
• Transfer funds between account(s) accessed by your card.
• Pay Dollar Bank bills only, either with a payment enclosed in an envelope or directly from your card’s associated account(s), only at banking machines owned by Dollar Bank.
• Request the balance in your account(s).

Available service may differ at different banking machines.

There are no daily limits on the number of times you may use Automated Teller Machines. However, there is a limit on the amount of cash that you may withdraw in any single day using your Banking card. Generally, you may withdraw up to $300 per day in cash, on each Banking Card issued, provided you have sufficient available funds in your account to make such a withdrawal. If you attempt to exceed these limits, your transaction(s) may not be processed. If the account on your Banking Card is a Private Banking Checking Account, this limit is increased to $500 per day. However, if you have been assigned a limit in excess if these limits, you may withdraw the applicable dollar amount each day in cash, on each Banking Card issued, provided you have sufficient available funds in your account. All items received for deposit at ATMs are credited subject to Dollar Bank’s receipt of proceeds of final payment in cash of solvent credits, and become available in accordance with Dollar Bank’s Fund Availability Policy. If a transaction overdraws you account, an Overdraft Fee will be charged to the account. If checks deposited to your account at an ATM are returned to the Bank unpaid, an Overdraft fee or a returned check charge, as appropriated, will be charged to your account.

Use of Banking Card to Make POS Purchases

You may use your Banking Card to pay for purchases directly from you checking account or transaction savings account at businesses which honor your Banking Card through a point-of sale (POS) transfer service.

There are no daily limits on the number of times you may use POS transfer services. However, there is a limit on the amount you may use to buy goods or services through POS transfer services in any single day. You may buy up to $750 worth of goods or services each day, on each Banking Card issued, provided you have sufficient available funds in your account to make such purchases. If the account on your Banking Card is a Private Banking Checking Account, this limit is increased to $1500 per day. However, if you have been assigned a limit in excess of these limits, you may purchase the applicable dollar amount of goods or services each day, on each Banking Card issued, provided you have sufficient available funds in your account. If you attempt to exceed these limits, your transaction may not be processed. If the transaction does overdraw your account an Overdraft Fee will be charged to the account.

Pre-authorization of a POS transfer does not necessarily mean that you have sufficient available funds in your account to make the purchase. See the section below about account balance information.

Use of Banking Card with Overdraft Protection

If the account for your Banking Card is linked to a line of credit or other loan account for purposes of providing overdraft protection for the account, using your Banking Card for a POS transfer may result in a draw against the line of credit or other loan account and a credit to the account. Such transactions are described in the overdraft protection agreement you entered into with the Bank. The charges for this service are set forth in the most recent Account Information Schedule for your account.

Automated Teller Machine Fees/Surcharges

When you initiate a transfer using your Banking Card from an automated teller machine that is not operated by Dollar Bank, the owner of the automated teller machine, or any network used to effect the transaction, may charge a fee or surcharge and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Similarly, if you initiate a transfer or balance inquiry via other means besides your Banking Card, the owner of the means used to initiate the transaction, or any network used to effect the transaction, may charge a fee or surcharge.

Availability of Phone Payment and Transfers

Telephone payments and transfers (including preauthorized payments and transfers,) as well as direct deposit of pay and/or benefits, are also available with checking or Transfer Accounts.

Account Balance Information

Account balances received through Automated Teller Machines or POS terminals may not reflect recent transactions and the full balance indicated may not be available for withdrawal. In order to determine whether you have sufficient available funds in an account to perform a transaction, you should review you account records.

Account Transaction Limitations

Certain accounts have transaction limitations. These limitations apply to: (1) telephone transfers and payments from accounts; (2) preauthorized and automatic transfers and payments from accounts; and (3) payment from accounts by check, draft or similar order (including debt card) payable to, cashed or received by anyone other than you or Dollar Bank ("Third Party Checks"). These three types of transactions are called "Limited Transfer."

No more than six Limited Transfers may be made from any Savings Account in any calendar month. If Third Party checks are available from any Savings Account, no more that three of the six Limited Transfers may be made by Third Party Checks. You may make unlimited withdrawals by mail, ATM or in person from these accounts.

Dollar Bank reserves the right not to pay any Limited Transfer, which exceeds the transaction limitations described in this section. If transaction limitations on an account are repeatedly violated the bank also reserves the right to close the account; or, convert the account to another account type that does not have these restrictions, and the Bank may impose minimum balance requirements and monthly service charges as set forth in the most current Account Information Schedule for that account. Alternatively, the Bank may remove the transfer and draft capabilities from the account if the account is converted, the terms and conditions applicable to the new account shall govern the account and you shall thereafter pay the fees imposed on the new account. You agree to be bound by these limitations whenever you use our electronic banking services

There are other limitations on transactions that you may make using our banking machine, telephone banking and point-of-sale transfer services. For security reasons, however, these limitations cannot be disclosed.

CHARGES for TRANSACTIONS

Charges for the services described in this Disclosure Statement are set forth in the most current Account Information Schedule for your account posted in our branch offices and mailed to you periodically. All such fees and charges will be deducted from the account from which a withdrawal or transfer is made or to which a deposit is made.

We reserve the right to charge for any or all services upon giving the notice required by law. When new fees are instituted, or existing fees updated, we will notify you by mail at least 30 days prior to those charges being effective.

DISCLOSURE of ACCOUNT INFORMATION to THIRD PARTIES

We will disclose information to third parties about your account or the transactions you make:

• Where it is necessary for completing transactions.
• In order to verify the existence and condition of your account for certain types of third parties, such as a credit bureau or merchant.
• In order to comply with government agency or court orders.
• If you give us your written permission.

RIGHT to RECEIVE DOCUMENTATION of TRANSACTIONS

You will be provided the option to receive a receipt at Automated Teller Machines or POS terminals for any withdrawals, deposits, transfers, payments, balance inquires or point-of-sale purchases. If you have arranged to have a direct deposit made to your account at least once every 60 days from the same person or company, you can call Account Services at the number below to find out whether or not the deposit has been made.

If you have contracted for any of the services described earlier in this disclosure other than direct deposit to a Passbook Savings account, you will get a monthly statement for each account.

If you elect to have passbook deposits made by preauthorized agreement (direct deposit of Social Security, payroll, etc., or other types made by electronic means), bring your passbook to any office as often as you wish and we will record any preauthorized deposits made since your last visit. To determine whether preauthorized electronic credits (i.e., Social Security Benefits) have occurred as scheduled, -you may call the Customer Service Center, Monday through Friday from 9:00 A.M. to 8:00 P.M., and Saturday 9:00 A.M. to 3:00 P.M., at the following numbers: In Pennsylvania call (412) 261-8181 or 1-800-242-1616. In Ohio call (216) 736-8891 or 1-800-242-1616. If you use Dollar Bank’s preauthorized payment service, we will provide you with a copy of the authorization. If you preauthorized a third party (i.e., another bank) to electronically debit your account(s) on a regular basis, they must provide you with a copy of the authorization.

RIGHT to STOP PAYMENT

If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: In Pittsburgh call (412) 261-7246 or 1-800-242-1616, or write us at Customer Service Center, Dollar Bank, P.O. Box 765, Pittsburgh, PA 15230. In Ohio, call (216) 736-8972 or 1-800-242-1616 or write us at Customer Service Center, P.O. Box 765, Pittsburgh, PA 15230.

Be sure that we contact Dollar Bank in time for us to receive your stop payment instruction three (3) business days or more before the payment is scheduled to be made. (If you telephone, we may require you to put your request in writing within fourteen (14) days after your call.) A Stop Payment Fee will be charged to your account for each stop payment order you give. If you order Dollar Bank to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

If these regular payments 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 you set.

DOLLAR BANK’S LIABILITY for FAILURE to MAKE TRANSACTIONS

If we do not complete a transaction to or from your account on time in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions for which we will not be liable which include, but are not limited to, the following situation:

• If, through no fault of ours, you do not have enough money available in your account to perform the transaction.
• If the transaction would go over the credit limit on available overdraft line.
• If the automated teller machine where you are making the transaction does not have enough cash.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
• If the terminal or system was not working properly and you knew about the breakdown when the transaction was started or before the transaction was scheduled to occur.
• If your account is subject to an uncollected funds hold, legal process or other such transfer restriction.
• There may be other exceptions not specifically cited above that are specifically included in Dollar Bank’s Account Rules and Regulations or other agreements with you.

In Case of Errors or Questions About Your Electronic Transactions

If you think there is an error on your statement or receipt, or you have questions about your electronic transaction, telephone or write to us at the telephone number or address of Dollar Bank which is printed on your account activity statement.

Call or write us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we send you the FIRST statement on which the problem or error appeared.

• Tell us your name and account number
• Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is in error or when you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we require that you send us your complaint or question in writing within 10 business days together with such other information or documentation that may be deemed necessary by us in order to properly conduct our investigation. We will tell you the results of our investigation within 10 business days after we hear from you (20 business days for EFTs on new accounts) 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 (90 days for point-of-sale debit card transactions, transactions initiated outside the United States, or EFT transactions on new accounts). If we decide to do this, we will credit your account within 10 business days (20 business days for EFTs on new accounts) for the amount you think is an error, so that you will have the use of the m money during the time it takes us to complete our investigation.

If we do not receive your complaint or question in writing within 10 business days, or if we do not receive certain information and/ or documentation requested of you in connection with our investigation, we will not recredit your account and we may reverse any credit previously made to your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in out investigation.