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Your Banking Rights
Electronic Funds Transfer Act Notice

In Case of Errors or Questions About Your Electronic Transfers
            Telephone or write you local branch AT ONCE if you believe your card, PIN or other information which could provide electronic access to your account 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.  Our telephone numbers and addresses are listed on your statement or you can telephone us at  580-927-2311 or write us at P.O. Box 267 Coalgate, OK 74538.

             Telephone 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 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 after we hear from you 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. If we decide to do this, we will credit your account within 10 business days (5 business days for MasterCard Debit Card Purchases) 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.

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

            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.

Member FDIC © 2007
Shamrock Bancshares, Inc.
Shamrock Bank, N.A.

P.O. Box 267

101 North Main
Coalgate, OK 74538
580-927-2311