FREQUENTLY ASKED QUESTIONS

ONLINE BANKING & ONLINE BILL PAY

Q: What do I need to enroll for Online Banking?
A: You will need a Golden Belt Bank account and Internet access using one of these recommended browsers: Netscape Navigator 4.08/Communicator 4.7 or Microsoft Internet Explorer 5.5.

Q: How do I sign up for Online Banking?
A: Go to www.goldenbeltbank.com and click sign up in the Online Banking Log-In box located on the left side of the home page. Then contact Golden Belt Bank and after customer verification is completed you will be given a 5 digit customer number to enter on your registrations.   After your registration is complete, please keep your USER ID and Password in a safe place.

Q: Can I begin using Online Banking immediately?
A: No, you will have to wait 2-3 business days before logging onto Online Banking. You will be notified when your Online Banking registration is complete.

Q: What if I forget my Access ID or password?
A: Please go to www.goldenbeltbank.com and click on Forgotten Password. A pop up window will appear for you, answer your challenge questions correctly from the information you supplied on the registration form. Once you have entered the correct question, you will be prompted to change your password. NOTE: You account will be locked out after three (3) invalid attempts.

Q: Is there a fee for Online Banking?
A: No, Golden Belt Bank's Personal Online Banking service is available to all Golden Belt Bank customers FREE of charge.

Q: Do I need to be a Personal Online Banking user to use Online Bill Pay?
A: Yes, you must be signed up for Golden Belt Bank's Personal Online Banking in order to use the bill payment service.

Q: Can I pay bills from my savings account?
A: No, bill payments can only be made from the designated checking account.

Q: Which bills can I pay through Golden Belt Bank's Online Bill Pay service?
A: You may pay almost any payee you wish. However, the merchant must be located in the United States. A merchant is defined as anyone (company or individual) to whom you want to send money. Additionally, tax payments and court ordered payments are discouraged and may be paid through online bill pay at your own risk. For more information on these types of payments, read the Exception Payments section in CheckFree's Online Bill Pay Terms and Conditions.

Q: What is the cost for using Golden Belt Bank's Online Bill Pay service?
A: It's FREE.

PERSONAL SERVICES

Q: How do I change my address?
A: If you are an online banking user, login to online banking and fill out and submit the Address Change Request form. If you are not an online banking user, you may CLICK HERE for a form to fill out and either fax or mail back to us.

Q: How do I change my legal name? How do I change my legal title?
A: To change your legal name or title, please bring a photo ID with your new name to either Golden Belt Bank location, and a customer service representative will assist you in completing the proper forms to make the change.

Q: For availability purposes, when is Golden Belt's cutoff time?
A: If you make a deposit before 2:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. 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.

Q: What is considered a business day?
A: Every day is a business day, except Saturdays, Sundays and federal holidays.

Q: When are funds available after deposit?
A: Our policy is to make funds from your check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit.

Q: What is the cutoff time for wire transfers?
A: Wire transfer requests must be received before 4:00 p.m. to be processed on the same business day.

Q: What if I forget my PIN for Gold Line?
A: You must personally contact a bank representative to have your PIN number reset.

Q: What should I do if my ATM/VISA Debit card is lost or stolen?
A: To report a lost or stolen card, immediately call:

During regular office hours:
Ellis      (785) 726-3157
Hays    (785) 625-7345

After office hours:
1-877-266-2351

BUSINESS SERVICES

Q: How can my business accept debit/credit cards for payment?
A: Golden Belt Bank can help your business provide more flexible payment options for your customers. Partnered with Elan Merchant Services, we can provide you with everything you need for credit and debit card processing. For more information about Merchant Services contact a customer service representative at our Hays location at (785) 625-7345 or Contact Us.

Q: What is the difference between a wire transfer and an ACH?
A: A wire transfer is used for same day settlement. An ACH transaction must be scheduled up to 2 days in advance for a credit and 1 day in advance for a debit.

Q: What is the cutoff time for wire transfers?
A: Wire transfer requests must be received before 4:00 p.m. to be processed on the same business day.

LOAN PRODUCTS

Q: What is the difference between a fixed-rate loan and an adjustable-rate loan?
A: With a fixed-rate mortgage loan the interest rate and monthly payment of principal and interest for the duration of the loan. With an adjustable-rate mortgage, the interest rate stays fixed for an initial time period, which ranges from 1 to 7 years, and then may change periodically, usually on an annual basis.

Q: How do I know which type of mortgage is best for me?
A: Ultimately, your loan officer can help you choose the type of mortgage loan that is best for you and your family. He/She may ask you some of the following questions in order to determine what type of loan best fits your lifestyle.

• How many years do you expect to live in your new home?
• How important is it to be free of mortgage debt before facing your children's college bills or planning for your own retirement?
• How comfortable are you with the certainty of a fixed mortgage payment versus a payment that can change over time?

Q: What does my mortgage payment include?
A: Your mortgage payment will include both principal and interest. If you choose to have your taxes and homeowners insurance escrowed, a portion of your payment will also be applied to escrow.

Q: How much cash will I need to purchase a home?
A: Normally, saving a 5% down payment plus funds for closing costs is recommended. However, special programs exist to help homebuyers obtain 100% financing. Contact us to find out if you qualify for one of our special 100% financing programs.

Q: How do I qualify as a First Time Homebuyer?
A: You may qualify as a First Time Homebuyer if any of the four apply to you.

• Have never bought or owned a home
• Have not owned a home during the last three (3) years.
• Are a displaced homemaker.
• Are a single parent.

Q: What can I finance with a Home Equity Line of Credit?
A: You can finance virtually anything with a home equity line of credit.

Q: What is a Small Business Administration (SBA) loan?
A: SBA is a federal agency that helps established businesses grow and helps new businesses get started. Golden Belt Bank is proud to be an SBA partner. To find out more information about SBA loans, Contact Us today.

Q: Is Small Business Administration (SBA) financing right for me?
A: A SBA loan may be the right financing for you if your business is growing quickly and you cannot qualify for conventional financing at reasonable terms.

SECURITY

Q: How can I obtain a FREE CREDIT REPORT?
A: A new law (The Fair and Accurate Credit Transactions Act, or FACT Act) requires each of the three credit reporting companies to provide you a free copy of your credit report, at your request, once every 12 months. A credit report contains information about you and your credit/payment history. This information is used to evaluate your applications for credit, insurance, employment, renting a home and other purposes.

You can get your report at www.annualcreditreport.com, or call 877-322-8228. You can also contact the credit reporting companies:

Order from all three, since each one derives its information from different sources. Some experts advise staggering them over the course of one year to keep track of your status with a free report every four months.

You can also get a free report if:

• A company takes adverse action against you, such as denying you credit
• Your report is inaccurate because of fraud
• You are unemployed and plan to look for a job within 60 days
• You are on welfare

If you find inaccuracies in the report:

• Tell the credit reporting company - they must investigate right away, and must forward your data to the company that provided the inaccurate information.
• Tell the creditor in writing that you dispute the item.

NOTE: An employer or prospective employer cannot get a copy of your report without your written consent.