VISA CHECK CARD

A CARD TO SIMPLIFY YOUR BUSY LIFESTYLE
Most checkbooks can only do one thing—checking. Our VISA® Check Card does this and much more. VISA® Check Card gives you a faster, more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or anything else. Use your card wherever VISA® debit card is accepted. Plus, VISA® Check Card performs all the functions of an ATM card. It's the checking withdrawing and transferring funds card all in one.

FAST AND ONE-STEP EASY
Forget having to round up your checkbook, a pen, and two forms of identification. With VISA® Check Card, every purchase is as simple as using a credit card.

WORRY FREE WHEN YOU'RE OUT OF TOWN
No need to worry about getting your checks cashed out of town. You may use your card wherever VISA® Check Card is accepted.

PROVIDES ALL THE ADVANTAGES OF AN ATM CARD
Need to withdraw or transfer funds? No problem. VISA® Check Card gives you access to these services whenever you need them.

ECONOMICAL AND ECOLOGICAL
Eliminate the need to purchase checks (and the risk of running out when you're at the checkout). VISA® Check Card saves money in check printing fees while it saves valuable resources.

SAFEGUARDED IF LOST OR STOLEN
When you receive your VISA® Check Card, you'll also be assigned a personal identification number (PIN). It's added security against someone making transactions without your consent. And, as an added safeguard, we provide a cap on your liability if your card is lost or stolen. See your disclosure for details.

JUST LIKE BALANCING YOUR CHECKBOOK
Every month in which a transaction is completed, you'll receive an account statement that includes the date, location, and amount of every transaction you've made.

APPLY FOR YOURS TODAY
You can enjoy the simple convenience of our VISA® Check Card for just $1.00 per month. To apply, complete the attached application and mail or deliver it to the address shown on the application. You can expect your VISA® Check Card to arrive within five days of your approval. Your PIN will be sent to you in a separate mailing. If you prefer to choose your own personal PIN, contact Customer Service at 713-789-6100. Before you know it, you'll be experiencing all the benefits of checkless, ATM checking with one simple card.

VISA® is a registered trademark or VISA® International Services Association.

ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not 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.
ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your Visa® Check Card and personal identification number (PIN), to:

• get cash withdrawals from checking account(s) with a Visa® Check Card
  you may withdraw no more than $300.00 per day (combined total)
• get cash withdrawals from savings account(s) with a Visa® Check Card
  you may withdraw no more than $300.00 per day (combined total)
• transfer funds from savings to checking account(s) with a Visa® Check Card
• transfer funds from checking to savings account(s) with a Visa® Check Card
• get information about:
  
  the account balance of your checking account(s)
  with a Visa® Check Card
  the account balance of your savings account(s)
  with a Visa® Check Card

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

Types of Visa® Check Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, If the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions - frequency and dollar limitations - Using your card:

• you may not exceed $1,500 in transactions per day
• the charge for your card (whether or not the card is used in the period) is $1.00 per month

Currency Conversion. When you use your Visa® Check 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  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 dale, plus 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. 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.

FEES

• We will charge you $5.00 to replace a lost debit card.

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 it you do not complete a fund transfer).

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.
• Periodic statements.
  You will get a monthly account statement from us for your checking accounts.

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. If your PIN or Visa Check card has been reported lost or stolen.
7. It we are holding uncollected funds in your account and the transfer would require the use of those funds.
8. If your funds are subject to legal process or other encumbrance restricting such transfer.
9. 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. as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

1. Consumer Liability. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Call 713-789-6100 during business hours or 1-800-554-8969 after hours. 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 2 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 it someone used your card and/or code without your permission.)
   
   If you do NOT tell at within 2 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 it 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 gel 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 Visa® Check 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® Check 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.
    
2. (b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure,

ERROR RESOLUTION NOTICE
In Case of Errors or Questions About Your Electronic Transfers, Call or Write as at the telephone number or address listed in this brochure, 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 alter we sent the FIRST statement on which the problem or error appeared.

1. Tell as your name and account number (it 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 (5 business days for Visa® Check Card 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 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 Visa® Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) or 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 this 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.

BANK OF HOUSTON
CUSTOMER SERVICE
750 BERING DRIVE. STE. 100
HOUSTON, TX 77057

Business Days: Monday through Friday
Excluding Federal Holidays
Phone: 713.789.6100

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST