Please read the following disclosures regarding personal accounts at Peoples State Bank. After reading the disclosures, please click "I Accept" at the bottom of this page to go the account application.
TRUTH IN SAVINGS

• Deposit Account Information
• Electronic Funds Transfer Disclosure
• Funds Availability Disclosure

Federal and state banking laws govern much of our relationship with you. In particular, Iaws concerning negotiable instruments, deposit accounts and how we treat activity of these accounts. Complete disclosures of our fees and charges are in this brochure. Please retain for your records.

TRUTH IN SAVINGS ACT:

The FDIC Improvement Act of 1991 contained within it the Truth in Savings Act. The purpose of this act is to enable consumers to make informed decisions about deposit accounts in depository institutions.

PERSONAL CHECKING & SAVINGS ACCOUNT DESCRIPTIONS

PEOPLES CHOICE CHECKING

VALUE CHECKING

PLATINUM SAVINGS

GOLD SAVINGS

Insurance is:

• Not a deposit
• Not FDIC Insured
• Not Guaranteed by the Bank
• Not guaranteed by any Federal Government Agency
• May lose value

COMMERCIAL CHECKING & SAVINGS ACCOUNT DESCRIPTIONS

COMPLETE BUSINESS CHECKING FOR SMALL BUSINESS

FEDERAL ELECTRONIC FUND TRANSFER ACT DISCLOSURES
IMPORTANT INFORMATIOOKN for our customers who have authorized electronic fund transfers: The Federal Electronic Fund Transfer Act and regulations adopted hereunder provide that we disclose pertinent information about the preauthorized deposits to or from your account. By electronic fund transfers, we mean any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic storage device (i.e. tape, disk, etc.) for the purpose of ordering, instructing, or authorizing Bank to debit (withdraw funds) or credit (deposit funds) to your account(s).  An “Electronic Funds Transfer” includes, but is not limited to, the following types of transactions; direct deposits and withdrawal of funds (including ACH transfers); automated teller machine (ATM) transactions; point of sale transactions; and transfers and bill payments initiated by telephone, computer, and other electronic devices.  With the exception of debit card transactions which may generate paper drafts, and electronic check conversion transactions which convert a paper instrument into an Electronic Funds Transfer, the Electronic Funds Transfer Act and Regulation E do not apply to transactions by check, draft, or similar paper instrument.

1. RESPONSIBILITY FOR ELECTRONIC FUNDS TRANSFERS:
You are responsible for all authorized Electronic Funds Transfers that occur on your account(s).  You authorize Bank to charge your account(s) for all Electronic Funds Transfers by whatever authorized method.

2. ACCESS DEVICES:  You agree that all access devices (including, but not limited to, any ATM and debit cards) issued to allow you to perform Electronic Funds Transfers on your account(s) will, at all times, remain property of the Bank, and that you will return all access devices issued to you immediately upon the Bank’s request.  You also agree to notify the Bank immediately if an access device is lost or stolen.

3. PERSONAL IDENTIFICATION NUMBERS/SECURITY PROCEDURE:  The Bank may assign and issue to you a personal identification number (“PIN”), which will be used to identify you as an authorized user of Electronic Funds Transfer services.  The PIN is used for identification and secrecy of your PIN should be maintained at all times. You agree to protect your PIN from loss, theft or unauthorized use and also agree not to reveal your PIN to any unauthorized person, not to write the PIN on any access device (or any other item kept with any access device) and to notify the Bank immediately if the secrecy of your PIN is compromised in any way.  If there are other parties who are authorized to sign on your account(s), you hereby authorize them to use your PIN.  You acknowledge that you have examined these security procedures and agree that these security procedures provide adequate protection to prevent unauthorized transactions and that the procedures are commercially reasonable. The Bank reserves the right to amend these security procedures from time to time, with or without notice to you.

4. BANKS RIGHT TO PROOF AND VERIFY:  Bank reserves the right to proof and verify all deposits, payments, and transfers by means of an Electronic Funds Transfer.  All deposits made by electronic means are subject to the cutoff time established by the Bank, and if made after such cutoff time, will be credited as of the following business day.

5. ACCOUNT AGREEMENTS/AMENDMENTS AND MODIFICATIONS:
All Electronic Funds Transfers are subject to the account agreement with the Bank for the account through which Electronic Funds Transfers are processed.  However, in the event of a conflict with the terms and conditions of such account agreement and this Agreement, the terms and conditions of this Agreement will control. This Agreement and such account agreements may be amended or modified by the Bank from time to time.  Any amendments and modifications will be binding on you as if expressly agreed to by you. In the event a written notice is mailed to you, it shall be mailed to you at your last known address as shown on the Bank’s records.

6. TRANSACTION APPROVAL: The Bank, in its sole discretion can refuse to allow you to use an access device (regardless of amount) on your account(s) (whether for ATM withdrawal, purchases, payments, cash advances, or otherwise exceeds your authorization limit which we may set for your account(s) and the Bank does not have to notify you in advance.

7. TERMINATION: The Bank may terminate this Agreement at any time, regardless of whether it also terminates and closes your underlying accounts(s)

8. GOVERNING LAW:  This Agreement shall be governed by the laws of the State where the issuing Bank branch is located and applicable federal laws and regulations.

9. SEVERABILITY: The holding of any provision of this Agreement as invalid, illegal, or unenforceable, in whole or in part, shall not affect the other provisions of this Agreement, which shall remain in full force and effect.

10. WAIVER: No waiver by the Bank (whether or not in writing) of any term, condition, or obligation again, nor shall any other term, condition, or obligation be affected by such waiver.

11. BINDING EFFECT: This Agreement shall insure to the benefit of and be binding upon the legal representatives, heirs, successors, assigns, and agents of the parties hereto, as applicable.

12. EFFECT OF HEADINGS: Headings used in this Agreement are for reference only, do not form part of this Agreement, and shall not in any way affect the interpretation of this Agreement.

13. ASSIGNMENT:  You may not assign this Agreement to any other party.  The Bank may assign this Agreement or delegate any or all of the Bank’s rights and responsibilities under this Agreement or delegate any or all of the Bank’s rights and responsibilities under this Agreement to any third party.

I. CUSTOMER LIABILITY.
Tell us AT ONCE if you believe your ATM and/or Debit card or PIN has been lost or stolen or if you believe 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 the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your ATM and/or Debit card or PIN, you can lose no more than $50 if someone used your ATM and/or Debit card or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM and/or Debit card or PIN, and we can prove we could have stopped someone from using your ATM and/or Debit card or PIN 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 ATM and/or Debit card, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (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.

II. REPORTING LOST CARDS, PINS, OR UNAUTHORIZED TRANSFERS
If you believe that your ATM and/or Debit card or PIN has been lost or stolen, call or write us at the telephone number or address referenced below. You should also call the number or write to the address referenced below if you believe a transfer has been made using the information from your check without your permission.
Peoples State Bank
P. O. Box 1200, Many, LA 71449-1200
(318) 256-2071 or (800)988-8516 or (318) 256-4350

III. BUSINESS DAYS. For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

IV. TRANSFER TYPES AND LIMITATIONS.

A.  Account Access.  You may use your card to:
(i) Make deposits to checking account(s).
(ii) Withdraw cash from your checking account(s).
(iii) Transfer funds between your checking account(s).
(iv) Get information about the account balance of your checking account(s).
(v) Pay for purchases at places that have agreed to accept the card.
(vi) Pay bills directly by telephone from your checking account and on the days you request.
Some of these services may not be available at all terminals.
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 to pay bills. 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.  Your authorization to convert a check to an Electronic Funds 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).

B. LIMIT ON FREQUENCY AND DOLLAR AMOUNTS OF TRANSFERS.
1. Cash withdrawals from ATM’s are limited to $500.00 each day. There will be a $200 cash withdrawal limit per transaction. Customers that require more than $200 per day will need to make multiple transactions at the ATM. 
2. You may buy up to your account balance worth of goods or services each day or $1,000.00, whichever is less.

C. REGULATORY LIMITATIONS: Federal regulations limit the number of preauthorized, automatic or telephone transfers that we may process each month on savings and money market deposit accounts.  With the exception of loan payments to us, you may not make more than six (6) preauthorized, automatic and telephone transfers (including telephone banking, internet banking and bill pay, telephone bill pay, and PC banking payments and transfers) each month from an Account which is classified as a savings or money market deposit account.  Of these six (6) allowable monthly transfers, no more than three (3) transfers may be made by check, draft, debit card, check card or similar order payable to a third party (provided such transactions are allowed by us for your particular account).  If you exceed, or attempt to exceed these transfer limits, the excess transfer requests may be refused or reversed by us, and we may reclassify or close your Account.  We appreciate your help in observing these limits

D. No transfer may exceed the collected balance of funds available in the account from which a transfer is made, including any funds available through any type of overdraft protection arrangement, if any, that you have established with the Bank.  If a transfer would exceed the funds available in the account from which a transfer is made, the Bank will not be required to honor the transfer request.  However, if the Bank elects, in the Bank’s sole discretion, to make a transfer, which exceeds the funds available in such account, such transfer will be subject to the Bank’s current fee for non-sufficient funds processing.

V. FEES.
Your account(s) will be charged for Electronic Funds Transfers involving those accounts according to that certain Schedule of Fees included in other documentation furnished to you at the time the account is opened or service requested.  INTERNATIONAL TRANSACTIONS:  You may be charged a Cross-border Transaction Fee for debit card transactions that are made outside of the United States or for transactions made with a debit card issued outside of the United States. NOTICE:  When you use an ATM not owned by Peoples State Bank, you may be charged a fee by the ATM operator or network and you may be charged a fee for a balance inquiry even if you do not complete the funds transfer.

VI. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES.
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 your written permission.

VII. documentation of electronic funds transfers.
A.  Terminal Transfers.  You can get a receipt at any time you make any transfer to or from your account using one of our Automated Tellers Machines.
B. Preauthorized Credits.  If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (318) 256-2071 to find out whether or not the deposit has been made or you can call our automated voice response system, “Peoples Voice” at 800-988-8516 or (318) 256-4350. 
C. Periodic Statements.  You will get a monthly account statement unless there are no transfers in a particular month.  In any case, you will get the statement at least Quarterly.

VIII. preauthorized payments.
A. 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 by calling or writing us at the telephone number or address listed at the end of this disclosure, in time for us to receive your request three (3) 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 fourteen (14) days after you call. We will charge you $25.00 for each stop payment order you give.
B. Notice of Varying Amounts.  If these regular payments may vary in amount, the person you are going to pay will tell you ten (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.
C. Liability for Failure to Stop Payment. If you order us to stop one of these payments three (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.

IX. BANK'S LIABILITY FoR FAILURE TO MAKE TRANEFERE.
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 the transfer would go over the credit limit on your overdraft protection line.
3. If the Automatic Teller Machine where you are making the transfer does not have enough cash
4. If the terminal 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

X. ERROR RESOLUTION PROCEDURE
In case of errors or questions about your electronic transfers:
Telephone us at (318) 256-2071 or write us at P. O. Box 1200, Many, LA 71449,  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 sixty (60) days after we sent you 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 ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. 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 credit your account within ten (10) business days 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 ten (10) business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

We will tell you the results within three (3) 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.

MAILING ADDRESS, WEBSITE ADDRESS, TELEPHONE NUMBER AND BUSINESS DAY DISCLOSURE
1. Our mailing address is P.O. Box 1200, Many, LA 71449-1200
2. Our website address is www.peoplesstate.com
3. Our phone number is 318-256-2071 or 1-800-988-8516 (Peoples Voice) press “0” for an operator between 8am and 5pm.
at (318) 256-2071 or (800) 988.8516 (Peoples Voice) press ''0" for an operator between 8am and 5pm.

For purposes of this disclosure the terms “our,” “we,” and “us” refer to the financial institution. The term “Business Day” means any day other than a Saturday, Sunday or federally declared legal holiday, and the term “Banking Day” means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions. Depending on the location in which you make your deposit, the cutoff time may vary. However, if you make a deposit after 2:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next Business Day we are open.

LONGER DELAYS MAY APPLY
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 5th Business Day after the day of your deposit. However, the first $100 of your deposits will be available on the first Business Day. If we are not going to make all of the funds from your deposit available according to the previously stated availability schedule, 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 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. In addition, we may delay your ability to withdraw funds deposited by check into your account for an additional reasonable period of time for one or more of the following reasons:
(a) if we believe a check being deposited is uncollectible
(b) if you make check deposits on any one day that exceed $5,000;
(c) if you redeposit a check that has been returned unpaid.
(d) for repeated overdrafts. (i.e. if on six (6) or more Banking Days within the preceding six-month period, your account balance would have been negative if checks or other charges had been paid; or if on two (2) or more Banking Days within the preceding six-month period your account balance was negative or your account would have been negative in the amount of $5,000 or more if the checks or other charges had been paid)
(e) reasonable cause to doubt collectibility
(f) emergency condition
We will notify you if we delay your ability to withdraw funds and will tell you when you will be able to withdraw the funds. Funds will generally be available no later than (11) eleven Business Days 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 thirty (30) days after 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 $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, the depositor (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.

DEPOSIT AT AUTOMATED TELLER MACHINES
Funds from any deposit, whether cash or check, made at an automated teller machine (ATM) will be available on the first Business Day after the day of your deposit. If you make a deposit at an ATM that is owned and operated by us after 1:30 p.m. or on a day that we are not open, we will consider the deposit made on the next business day after the day of  your deposit.  

ADDITIONAL FEES & SERVICES

SAFE DEPOSIT BOXES
Must have a checking or savings account. Payment method will only be by automatic debit from checking or savings account. If the customer closes the required deposit account, the box should also be closed.  The price of the annual rent will double for any customer who does not have a deposit account with our bank.  If the customer closes the box before renewal date, there will be no refund of rental charges.

LOCATIONS AND PHONE NUMBERS
(* Automated Teller Machines (ATM) are available at these locations ~ S Open on Saturday)

• MAIN OFFICE *
  880 San Antonio Avenue
  P. O. Box 1200
  Many, LA 71449
  Phone 256-2071 / Fax 256-4343
  
  
• ALEXANDRIA BRANCHES *S
  1700 Bank Drive
  Alexandria, LA 71301
  Phone 445-3717 / Fax 445-2340

1423 Wimbledon Dr.
Alexandria, LA 71303
Phone 448-2430 / Fax 445-5831

• FLORIEN DRIVE-IN *
  1264 N. Nolan Trace
  Florien, LA 71429
  Phone 586-4601
  
  
• GREENWOOD BRANCH *
  8360 West 70th Street
  Greenwood, LA 71033
  Phone 938-5336 / Fax 938-1703
  

• MANSFIELD BRANCH *S
  Highway 84 West
  Mansfield, LA 71052
  Phone 872-5800 / Fax 872-5808
  
  
• MANY - WEST BRANCH *S
  180 San Antonio Avenue
  Many, LA 71449
  Phone 256-5154 / Fax 256-5357
  
  
• NATCHITOCHES BRANCHES *S
  315 Royal Street
  Natchitoches, LA 71457
  Phone 352-9089 / Fax 357-0621

4115 University Parkway
Natchitoches, LA 71457
Phone 356-9733 / Fax 356-9737

• TEXARKANA, TEXAS BRANCH
  3702 Summerhill Rd.
  Texarkana, Texas 75503
  Phone 903-793-7417 / Fax 903-793-8590
  
• PLEASANT HILL BRANCH *
  110 Main Street
  Pleasant Hill, LA 71065
  Phone 796-3620 / Fax 796-3322
  
  
• ROBELIiNE BRANCH *
  8994 Texas Street
  Robeline, LA 71469
  Phone 472-6866 / Fax 472-8343
  
  
• TOLEDO BEND BRANCH*S
  12054 Texas Highway
  Many, LA 71449
  Phone 256-6373 I Fax 256-6374
  
  
• ZWOLLE BRANCH *S
  2144 Obrie Street
  Zwolle, LA 71486
  Phone 645-6163 / Fax 645-4382
  

• Natchitoches – French Market Express ~ Hwy 6 and I-49
• Natchitoches – Natchitoches Parish Hospital ~ 501 Keyser Avenue
• Natchitoches – Northwestern State University Student Union
• Shreveport – Northwestern State University ~ 1800 Line Avenue
• Leesville/Fort Polk – Northwestern State University ~ 3329 University Parkway
• Mobile Bank ATM