The Harvard State Bank collects nonpublic personal information (personal information that might be considered private, such as your income and net worth) about you from the following sources:

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

HARVARD STATE BANK
302 N CLAY
HARVARD, NE 68944
 PHONE: (402)772-2151
 BUSINESS DAY: MONDAY, TUESDAY, WEDNESDAY, THURSDAY, FRIDAY
 ELECTRONIC FUND TRANSFER
 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.
Types of Transactions
Preauthorized credits - You may make arrangements for certain direct deposits to be accepted into your checking and savings accounts.
Preauthorized payments- You may make arrangements to pay certain recurring bills from your checking, savings accounts.

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.
ATM card transactions - You may access your accounts(s) by ATM at the Harvard State Bank and avoid the customary foreign ATM transactions charge, using your ATM Card and personal identification number (PIN) to: 
deposit funds to checking and savings 
withdraw cash from checking and savings
 transfer funds from checking to savings 
transfer funds from savings to checking 
get balance information about checking and savings 
Some of these services may not be available at all terminals.
Debit Card ATM transactions - You may access your accounts(s) by ATM using your Debit Card and personal identifications number (PIN) to: 
deposit funds to checking and savings 
withdraw cash from checking and savings
 transfer funds from checking to savings
 transfer funds from savings to checking 
get balance information about checking and savings
 Some of these services may not be available at all terminals. 
Debit Card point-of- sale transactions - You may access your checking accounts(s) by debit card to:
 purchase goods in person or by phone
 pay for services in person or by phone
 get cash from a participating merchant or financial institution
 do any transactions that can be made with a credit card
 Limits and Fees 
The following fees may be accessed against your account and the following transaction limitations, if any apply to your account: 
ATM transactions using ATM card:
 $5.00 (replace lost card)
 $ 1.00 per foreign ATM transaction 
You may make no more than $200.00 in transactions from your account(s) per day
 ATM transactions using Debit Card: 
$5.00 (replace lost card or change PIN)
 $1.00 per foreign ATM transaction 
You may make no more than $200.00 in point-of-sale transactions per day 
Documentation 
Terminal transfers - You can get a receipt at the time you make any transfer to or from your account using automated teller machine or point-of-sale terminals.
 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 (402)772-2151 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 accounts(s). All savings accounts will receive an annual statement. However, you will also receive a monthly statement on your savings account if you have had electronic banking activity during that month. As always, you are welcome to call or stop in for an interim balance. 
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 five 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 five days 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 take you over the credit limit.
 (3) 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. 
(4) 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 
Consumer liability. 
(1) Tell us AT ONCE if you believe your card and/or code has been stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, 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, 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. 
2. Additional limits on liability for VISA card, when used for point-of-sale transactions. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using you lost or stolen VISA card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISA, or to commercial cards. 
Error Resolution Notice
 In Case of Errors or Questions About your electronic Transfers, Call or write us at the telephone number or address listed on 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 .
 (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 (5 business days if the transfer involved a point-of-sale transactions 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 transactions, 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 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. 
ATM FEES BY OTHERS 
If you use an automated teller machine that is not operated by us, the operator of the machine may charge you a fee.

This agreement states the terms and conditions that apply when you use Harvard State Bank's Internet Banking.  These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you may obtain from us.  You must also follow all of our instructions and procedures applicable to the services covered by this agreement.  "You" and "your" mean each person who establishes an Internet Banking Customer Account with us or who uses or is authorized to use an Internet Banking identification number and password or other means of access we establish or approve.  The term "Internet Banking" means our service that allows you to; transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer and modem and/or other means we authorize or allow.
Virus Protection
Harvard State Bank is note responsible for any electronic virus or viruses that you may encounter.  We encourage our customers to routinely scan their PC and diskettes using a reliable anti-virus product to detect and remove any viruses found.  An undetected or unrepaired virus may corrupt and destroy your programs, files, and even your hardware.  Additionally, you may unintentionally transmit the virus to other computers.
Recommended Browser Version(s)
    Netscape 4.7 or higher
    Internet Explorer 5.0 or higher
    Mac Internet Explorer 4.50 or higher
Customer Number and Password
To access our Internet Banking service, you must use your customer number and password that you create.  Anyone to whom you give your customer number and password will have full access to your accounts even if you attempt to limit that person's authority.
Because this information is used to access your accounts, you should treat it as you would any other sensitive data.  You should carefully select a password that is hard to guess.  Always keep your password safe.  Memorize your password and never tell it to anyone.  Change your password frequently.
Internet Access Account(s)
You may not transfer funds from any account that requires more than one signature for withdrawals.  You must be an owner or authorized signer on each account you wish to access.
No Signature Required
When using the services to conduct banking transactions, you agree that we may debit your account to complete banking transactions, or honor pre-authorized debits you have not signed.
Joint Accounts
The provisions of this "Joint Accounts" section apply if your accounts subject to the services with us are jointly owned.  Each of you is jointly and severally obligated under the terms of the Agreement as well as the original Account Agreement(s) governing your joint accounts.  Each of you acting alone may perform transactions, obtain information, terminate this Agreement or otherwise transact business, take actions, or perform under this Agreement.  We are not required to obtain the consent of, or notify either of you of actions taken by the other.  However, each of you will only be permitted to access accounts for which you are an owner or authorized user.  Each of you individually releases us from any liability and agrees not to make any claim or bring any actions against us for honoring or allowing any actions or transactions where the person performing the action or transaction is one of you or is otherwise authorized to use your Harvard State Bank Internet Banking service, harmless from and against any and all liability including, but not limited to, reasonable attorney fee(s) arising from any such claims or actions.
System and Software
We shall not be responsible to you for any loss or damages suffered by you as a result of the failure of systems and software used by you to interface with our systems or systems and software utilized by you to initiate or process banking transactions, whether such transactions are initiated or processed directly with our systems or through a third party service provider.  You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately.
Internet Banking Transactions
Our Internet Banking service is generally available 24 hours a day, 7 days a week.  We only process transactions and update information on business days.  Our business days are Monday through Friday.  Any account transfers made on Internet Banking before 3:00 P.M. CST, Monday through Friday will be posted on the same business day.  Holidays when the bank is closed are not considered as business days.  
The Internet Banking service will allow you to perform the following transactions:  
Transfer funds from checking to checking 
Transfer funds from checking to savings 
Transfer funds from saving to savings 
Transfer funds from saving to checking 
Make payments from checking to loan accounts with us 
Make payments from saving to loan accounts with us
In Addition, you may also sign up for Harvard State Bank Bill Pay (sponsored by Metavante), which will allow you to:
Use your personal computer to electronically direct us to make payments from your designated checking account to third parties whom you have selected in advance to receive payments.
You can make payments to any business, merchant, professional or individual (only with addresses within the United States).
You may not make payments for alimony, child support, taxes or other governmental or court directed fees.
Payments are posted against your designated account's available balance, as defined in the Bank's Availability Schedule.
You may receive a confirmation of scheduled payment via email, which should be maintained as it will help resolve any questions you may have pertaining to the transaction.
You can use your personal computer to schedule payments 24 hours a day, 7 days a week.  However, payments can only be initiated on banking business days (Monday through Friday except holidays).  If a payment is scheduled to occur on a non-business day, the payment will be initiated on the following business day.  In order to provide sufficient time for payments to be received by your payees, the transaction date for each payment must be at least five (5) banking business days prior to the date your payment is due if paid by check, and three (3) banking days if paying electronically.
A payment may be edited or deleted anytime before the payment is processed.  For stop payment requests initiated after processing, you must contact Harvard State Bank, which can initiated the stop payment if timely received.
You may schedule fixed amount recurring payments to payees.  If the scheduled date ("transaction date") is on a non-business day, your payment will be initiated the following business day.  Be sure to schedule your recurring payment at least five (5) business days if paying by check and three (3) if paying electronically before your due date.
All of your bill payments, transfers and any bill payment fees will appear on your monthly checking account statement as descriptive entries.
You will also be able to: 
View accounts information 
View the current balance 
View account history since your last statement
Download account information 
View front and back copies of your checks
Limits on Internet Banking Transactions
You must have enough available money or credit in any account from which you instruct us to make a payment or transfer.  If any of your qualifying accounts are savings accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited.  Federal law requires that an Account Holder make no more than six (6) transfers or withdrawals during any statement cycle.  The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone transfers.  If you have a Money Market Account, a total of only 3 of these kinds of withdrawals may be made by check, draft, debit card, or similar order payable to third parties.  You also agree to the terms and conditions of Your deposit account agreement that you received when you opened your deposit account.  You can request another one of these by contacting the Harvard State Bank.  Account balances may also differ from your records due to deposits, outstanding checks or other withdrawals, payments, or charges in process.  A transfer request may not result in immediate availability because of the time required to process.  If you have further questions please contact us at 402-772-2151 (toll-free 888-809-2151), or email us at: contact-us@harvardstatebank.com.  Because e-mail is not a secure method of communication over the Internet, we recommend that you do not include all pertinent information (like your account number or social security number) in your e-mail.
Our Liability For Failure to Complete Payments or Transfers
If we do not complete a payment or transfer 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 exceptions.  We will NOT be liable, for instance:
(1) If through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds.
(2)  If any payment or transfer would go over the credit limit of any account.
(3)  If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
(4)  Natural disasters (fire, floods, tornados, etc.) or other uncontrollable circumstances prevent proper completion and delivery of the transaction.
(5)  If the money in the account from which a payment or transfer is to be made is subject to legal process, or other claims restrict the transaction.
(6)  If circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.
(7)  Other applicable law and/or regulations that exempt us from liability.

Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account(s) or the transactions(s) you make if at least one of the following applies:
(1)  Where it is necessary for completing the transaction.
(2)  In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant.
(3)  If written permission is given to us by you.
(4)  In order to comply with a government agency or a court order.
Collection of Information
Where website security is concerned, we employ state-of-the art technology to keep your information secure.  With regard to information collection, our software also requires that your browser accept cookies.  A "cookie" is a way for web sites to recognize whether or not you have visited the site before, by obtaining a small piece of information that a web server can store on your web browser.  This is useful for having your browser remember some specific information, which makes your on-line experience easier and more personalized.  Cookies cannot be used to obtain data from your hard drive, get your e-mail address, or steal sensitive or personal information about you that you have not already explicitly revealed.  You should know that we do not save this information.  Our cookies are deleted when you quit your browser.
Liability for Unauthorized Transfers 
Tell us IMMEDIATELY if you believe your PIN has been lost or stolen.  Telephoning is the best way of keeping your possible losses to a minimum.  You will not be liable to us for any unauthorized electronic transfers to or from your account if reported within two (2) business days of discovering the loss.  However, you may lose no more than $50.00 if someone has used your code without your permission.  If you believe your code has been lost or stolen or that someone has transferred or may transfer money from your account withouty your permission, call, e-mail, or write at the telephone number and address listed in the next section. 
Errors and Questions 
In case of errors or questions concerning transactions done using Internet Banking, please do one of the following as soon as possible:
(1) Telephone Harvard State Bank at 402-772-2151 or toll-free at 888-809-2151
(2) Write to Harvard State Bank, P.O. Box 566, Harvard, NE  68944 
(3) E-mail us at contact-us@harvardstatebank.com.  Please include your name, address and a brief message as to what the problem might be.  Because e-mail is not a secure method of communication over the Internet, we recommend that you do not include all pertinent information (like your account number or social security number) in your e-mail.

We must hear from you within 60 days after you receive the first statement or notification in which the error or problem appeared.  Please include the following information: 
Tell us your name and account number (if applicable). 
Describe the error you are unsure about and explain 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 ten (10) business days.  We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promtly.  If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.  If we decide to do this, we will re-credit your account within ten (10) business days for the amount that you think is in error, so that you will have the use of the money during the time it takes to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it with ten (10) business days, we may not re-credit your account.
 If we determine that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation.  You may ask for copies of the documents that we used in our investigation.  If a notice of error involves an electronic funds transfer that was initiated in a foreign location, or is a point-of-sale debit card transaction, the applicable time periods for action shall be twenty (20) business days in place of ten (10) business days, and ninety (90) calendar days in place of forty-five (45) calendar days.
Statements
Your Internet Banking transactions will be indicated on the monthly or quarterly statements we provide or make accessible to you for your accounts.  You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on a statement, or statement information.
 Notice of Your Rights and Liabilities 
Each of you agrees, for yourself, to the terms of this account and the schedule of charges that may be imposed.  You authorize us to deduct these charges as accrued directly from the account balance.  You are liable for all transactions that you or any of you make or authorize, even if the person you authorize exceeds your authority.  If you have given someone your Internet Banking User ID and PIN, you much change your PIN or other means of access or take additional steps to prevent further access by such person. 
Service Fees 
There are no fees currently for accessing your accounts through Harvard State Bank On-line Banking.  There also no fees currently for the use of Harvard State Bank Bill Pay, unless of course there is an overdraft or NSF situation.  However, fees, as described in the applicable product or account disclosure or Harvard State Bank Fee Schedule, may apply to services ordered on-line and to transfers from a loan account.  Please note that your Internet Service Provider and/or phone company, depending on the arrangement you have established with them, may assess fees. 
Governing Law 
This Agreement is governed by the laws of the State of Nebraska, including the applicable provisions of the Uniform Commercial Code and all applicable federal laws and regulations.
Children's On-Line Privacy Protection Act
We do not knowlingly solicit data from children, and we do not knowingly market to children.  We recognize that protecting children's identities and privacy on-line is important and that the responsibility to do so rests with both the on-line industry and the parents. 
Amendments to This Agreement 
Terms and conditions of this agreement may be amended in whole or part at any time within thirty (30) days written notification prior to the charge taking effect.  If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access.  Amendments or changes to the term(s) or condition(s) may be made without prior notice if it does not result in higher fees, more restrictive use of services, or increased liability to you.