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… Alerts Transfer funds Pay bills Locate branches and ATMs <strong>Enroll</strong> Now <strong>Mobile</strong> <strong>Banking</strong> enrollment takes place after you log <strong>in</strong> to  Arvest Online <strong>Banking</strong>  on  arvest.com . Select the … provided on the signup screens to complete the process. <strong>How</strong> to Access Arvest <strong>Mobile</strong> Web <strong>Banking</strong> To access Arvest …

… options if you have a separate account with sufficient <strong>funds</strong> available to cover any overdrafts that occur on your … a transaction, we will not charge you a non-sufficient <strong>funds</strong> (NSF) fee, but merchant may charge you fees. If we pay … to use (“Available Balance”). We do not consider available <strong>funds</strong> in a SafetyLink account when we authorize or deny debit …

… Arvest to Arvest <strong>Transfer</strong> Zelle ® Arvest TransferNow <strong>Wire</strong> <strong>Transfer</strong> How it works Arvest BillPay is <strong>a</strong> flexible way to pay your bills online Schedule payments in … money from one Arvest account to another Arvest account <strong>Make</strong> immediate transfers or schedule in advance Zelle ® is <strong>a</strong> …

… CRITICAL DETAILS ABOUT THE CONVERSION TO ARVEST BANK F R <strong>I</strong> D AY, A U G U S T 31 • Arvest debit cards and PINs will be … &amp; Money Market 24 Online Banking with BlueIQ™ (including <strong>how</strong> to log in for the first time) 27 Mobile Banking 28 Loans … and click on the Ask Arvest-FAQs tab. TRANSITION Q: WHAT <strong>DO</strong> <strong>I</strong> NEED TO <strong>DO</strong> TO GET READY FOR ACCOUNT CONVERSION? A: Prior …

… <strong>Bank</strong> customer. After the conversion to Arvest, you will <strong>have</strong> access to additional banking benefits, including an … and click <strong>on</strong> the Ask Arvest-FAQs tab. TRANSITION Q: WHAT <strong>DO</strong> <strong>I</strong> NEED TO <strong>DO</strong> TO GET READY FOR ACCOUNT CONVERSION? A: Prior to …

… <strong>Bank</strong> customer. After the conversion to Arvest, you will <strong>have</strong> access to additional banking benefits, including an … and click <strong>on</strong> the Ask Arvest-FAQs tab. TRANSITION Q: WHAT <strong>DO</strong> <strong>I</strong> NEED TO <strong>DO</strong> TO GET READY FOR ACCOUNT CONVERSION? A: Prior to …

… ”) for certain purchases made using an eligible credit <strong>card</strong> issued by Arvest (the “ <strong>Card</strong> ”) to be redeemed by you … responsible for unauthorized redemptions or for replacing <strong>lost</strong>, stolen or damaged Rewards or Reward certificates. … or Gift <strong>Card</strong> will not be provided or refunded if <strong>lost</strong>, stolen, destroyed or used in an unauthorized manner. …

… METHODS The daily balance method applies a periodic rate <strong>to</strong> the full amount of principal in the <strong>account</strong> each day. The … (IF APPLICABLE) ADDITIONAL TERMS FOR THIS <strong>ACCOUNT</strong> <strong>HOW</strong> WE COMPOUND AND CREDIT YOUR INTEREST TRUTH-IN-SAVINGS … credit bureaus, affiliates, or other companies. Why can’t <strong>I</strong> limit all sharing? Federal law gives you the right <strong>to</strong> limit …

… institutions to provide certain information to consumers (<strong>i</strong>.e., natural persons) regarding electronic fund transfers … you may be charged a fee for a balance inquiry even if you <strong>do</strong> not complete a fund transfer. Point -of -Sale (POS) … of the actual amount of money in your account, such as our <strong>How</strong> to Keep Good Bank Records pamphlet. Contact one of our …