Debit Card Photo Terms and Conditions

Picture Perfect Card from Home or ID Debit Card

These Terms and Conditions for the Picture Perfect Card from Home or ID Debit Card Program ("Terms") are separate from your other Hearthside Bank account documents and should be added to your files for future reference. A Picture Perfect Card from Home or ID Debit Card is available to customers qualifying for a debit card. By submitting an image to be considered for use on your debit card, each cardholder ("you") agrees to the following Terms.

By requesting a Picture Perfect Card from Home or ID Debit Card and submitting an image of your choice, you give permission to use the image on the card and agree to indemnify, defend and hold trustees, officers, employees and contractors harmless from and against any damages, loss, costs, expenses (including court costs and attorney's fees) incurred by or asserted against caused directly or indirectly by the use of the image and this service.

Hearthside Bank reserves the right to add to or modify these Terms and to terminate the Picture Perfect Card from Home or ID Debit Card Program or card issued to you, at any time, in its sole discretion.

Hearthside Bank reserves the right to reject any image (includes a photograph) submitted, in our sole and absolute discretion. You may not submit images that are unacceptable, including, but not limited to, the following examples:

• Copyrighted material or other photographs not owned by you (including professional photographs taken by others).
• Trademarked or proprietary material, advertising, promotional materials, competitive marketing, web site addresses, e-mail addresses, telephone numbers or other personal information.
• Celebrities and public figures, including music, entertainment, sports and political figures.
• Obscene or lewd material, harassing, inappropriate, discriminating, provocative material or any other offensive or socially unacceptable material.
• Symbols of death, destruction, violence, or any other negative images that do not reflect positively on Hearthside Bank.
• Images that may interfere with the acceptance of the card or the security features. Images that do not cover the entire surface of the card.
• Images containing alcohol or tobacco.
• Religious symbols, images or text.
• Images of money.
• Photos that feature a mascot or character as the primary focus of the photo.

Hearthside Bank ID Debit Cards I agree to upload only my own likeness.

A custom image on your card does not imply any additional security and, when appropriate, you should expect to show photo ID if requested. If you should lose your card or believe the card has been stolen, call (606) 248-1095 during banking hours or 1-800-354-0182.

Reissued Cards

Once your debit card has been issued with a custom photo, subsequent automatic reissues of the card will be issued with the image previously uploaded at no charge. Replacement cards due to the card being lost or stolen or a replacement of the image, will be charged $10 for each card. Cards are reissued under normal use every 5 years.

Cancelling a Custom Image Debit Card

If you do not wish to have your card reissued with a custom image, please contact us at (606) 248-1095 or toll free 1-800-354-0182 at least two months (60 days) prior to your card expiration date.

Multiple Custom Images on One Account

You may have different images on different cards on the same account for joint owners. If you want the same image on two different cards, you will need to place the order for each card and select the same image with each order.

On the first upload, there is no fee to uploaded images for your Picture Perfect Card from Home or your ID Debit Card. If you wish to upload a new picture or change the picture on your debit card there is an $10 fee for each uploaded full image or identity photo card thereafter.

The fee will be deducted from the checking account you have associated with your card. If you do not have enough funds to cover the fee(s), the Picture Perfect Card from Home or ID Debit Card request will not be processed. You agree to destroy your old card once you receive your Picture Perfect Card from Home or ID Debit Card and hold Hearthside Bank harmless from any loss as a result of NOT doing so.

I AGREE Create my Picture Perfect Card from Home

I AGREE Create my ID Debit Card

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