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- This document, along with any other documents we give you
pertaining to your account(s), is a contract that establishes rules
which control your account(s) with us. Please read this carefully.
If you sign the signature card or open or continue to have your
account with us, you agree to these rules. You will receive a separate
schedule of rates, qualifying balances, and fees if they are not
included in this document. If you have any questions, please call
us.
This agreement is subject to applicable federal laws and the laws
of the state of Texas (except to the extent that this agreement
can and does vary such rules or laws). The body of state and federal
law that governs our relationship with you, however, is too large
and complex to be reproduced here. The purpose of this document
is to:
- summarize some laws that apply to common transactions;
- establish to cover transactions or events which the law does
not regulate;
- establish rules for certain transactions or events which the
law regulates but permits variation by agreement; and
- give you disclosures of some of our policies to which you may
be entitled or in which you may be interested.
If any provision of this document is found to be unenforceable
according to its terms, all remaining provisions will continue in
full force and effect. We may permit some variations from our standard
agreement, but we must agree to any variation in writing either
on the signature card for your account or in some other document.
As used in this document the words, "we," "our,"
and "us" mean the financial institution and the words
"you" and "your" mean the account holder(s)
and anyone else with the authority to deposit, withdraw, or exercise
control over the funds in the account. The headings in this document
are for convenience or reference only and will not govern the interpretation
of the provisions. Unless it would be consistent to do so, words
and phrases used in this document should be construed so the singular
includes the plural and the plural includes the singular. "Party"
means a person who, by the terms of an account, has a present right,
subject to a request, to payment from the account other than as
a beneficiary or agent.
- You agree, for yourself
(and the person or entity you represent if you sign as a representative
of another) to the terms of this account and the schedule of charges.
You authorize us to deduct these charges directly from the account
balance as accrued. You will pay any additional reasonable charges
for services you request which are4 not covered by this agreement.
Each of you also agrees to be jointly and severally (individually)
liable for any account shortage resulting from charges or overdrafts,
whether caused by you or another with access to this account. This
liability is due immediately, and can be deducted directly from
the account balance whenever sufficient funds are available. You
have no right to defer payment of this liability, and you are liable
regardless of whether you signed the item or benefited from the
charge or overdraft. This includes liability for our costs to collect
the deficit including, to the extent permitted by law, our reasonable
attorneys' fees.
- We will give you only provisional
credit until collection is final for any items, other than cash,
we accept for deposit (including items drawn "on us").
Actual credit for deposits of, or payable in, foreign currency will
be at the exchange rate in effect on final collection in U.S. dollars.
We are not responsible for transactions by mail or outside depository
until we actually record them. We will treat and record all transactions
received after our "daily cutoff time" on a business day
we are open, or received on a day we are not open for business,
as if initiated on the next following business day that we are open.
We may refuse, accept for collection only, or return all or part
of any deposit.
- Unless clearly indicated
otherwise on the account records, any of you, acting alone, who
signs in the space designated for signatures on the signature card
may withdraw or transfer all or any part of the account balance
at any time. Each of you (until we receive written notice to the
contrary) authorizes each other person signing the signature card
to indorse any item payable to you or your order for deposit to
this account or any other transaction with us. We may charge your
account for a check even though payment was made before the date
of the check, unless we have received written notice of the postdating
in time to have a reasonable opportunity to act. We may refuse any
withdrawal or transfer request which you attempt on forms not approved
by us, by any method we do not specifically permit, which is greater
in number than the frequency permitted, or which is for an amount
greater or less than any withdrawal limitations. The fact that we
may honor withdrawal requests that overdraw the available account
balance does not obligate us to do so later. See the funds availability
policy disclosure for information about when you can withdraw funds
you deposit. For those accounts for which our funds availability
policy does not apply, you can ask us when you make a deposit when
those funds will be available for withdrawal. We may require not
less than 7 days' notice in writing before each withdrawal from
an interest-bearing account other than a time deposit, or from any
other savings account as defined by Regulation D. Withdrawals from
a time account prior to maturity or prior to any notice period may
be restricted and may be subject to penalty. See your notice of
penalty for early withdrawal.
- These rules apply to this account depending on the form of ownership
and beneficiary designation, if any, specified on the account records.
We make no representations as to the appropriateness or effect of
the ownership and beneficiary designations, except as they determine
to whom we pay the account funds.
- The party to the account
owns the account. On the death of the party, ownership of the account
passes as a part of the party's estate under the party's will or
by intestacy.
- The party to the account
owns the account. On the death of the party, ownership of the account
passes to the P.O.D. beneficiaries of the account. The account is
not a part of the party's estate.
- The parties to the account own the account in proportion to the
parties' net contributions to the account. The financial institution
may pay any sum in the account to a party at any time. On the death
of a party, the party's ownership of the account passes as a part
of the party's estate under the party's will or by intestacy.
- The parties to the account own the account in proportion to the
parties' net contributions to the account. The financial institution
may pay any sum in the account to a party at any time. On the death
of a party, the party's ownership of the account passes to the surviving
parties.
- The
parties to the account own the account in proportion to the parties'
net contributions to the account. The financial institution may
pay any sum in the account to a party at any time. On the death
of the last surviving party, the ownership of the account passes
to the P.O.D. beneficiaries.
- The party to
the account owns the account. The cosigner to the account may make
account transactions for the party. The cosigner does not own the
account. On the death of the party, ownership of the account passes
as a part of the party's estate under the party's will or by intestacy.
The financial institution may pay funds in the account to the cosigner
before the financial institution receives notice of the death of
the party. The payment to the cosigner does not affect the party's
ownership of the account.
- The parties named
as trustees to the account own the account in proportion to the
parties' net contributions to the account. A trustee may withdraw
funds from the account. A beneficiary may not withdraw funds from
the account before all trustees are deceased. On the death of the
last surviving trustee, the ownership of the account passes to the
beneficiary. The trust account is not a part of the trustee's estate
and does not pass under the trustee's will or by intestacy, unless
the trustee survives all of the beneficiaries and all other trustees.
- Earnings in the
form of interest, dividends, or credits will be paid only on collected
funds, unless otherwise provided by law or our policy. We may require
the governing body or the legal entity opening the account to give
us a separate authorization telling us who is authorized to act
on its behalf. We will honor the authorization until we actually
receive written notice of a change from the governing body of the
legal entity.
- you must make any
stop-payment order in the manner required by law and we must receive
it in time to give us a reasonable opportunity to act on it before
our stop-payment cutoff time. To be effective, your stop-payment
order must precisely identify the number, date and amount of the
item, and the payee.
You may stop payment on any item drawn on your account whether
you sign the item or not, if you have an equal or greater right
to withdraw from this account than the person who signed the item.
A release of the stop-payment request may be made only by the person
who initiated the stop-payment order.
Our stop-payment cutoff time is one hour after the opening of the
next banking day after the banking day on which we receive the item.
Additional limitations on our obligation to stop payment are provided
by law (e.g., we paid the item in cash or we certified the item).
- A telephone
transfer of funds from this account to another account with us,
if otherwise arranged for or permitted, may be made by the same
persons and under the same conditions generally applicable to withdrawals
made in writing. Unless a different limitation is disclosed in writing,
we restrict the number of transfers from a savings account to another
account or to third parties, to a maximum of six per month (less
the number of "preauthorized transfers" during the month).
Other account transfer restrictions may be described elsewhere.
- We may
change any term of this agreement. Rules governing changes in interest
rates are provided separately. For other changes, we will give you
reasonable notice in writing or by any other method permitted by
law. We may also close this account at any time upon reasonable
notice to you and tender of the account balance personally or by
mail. Notice from us to any one of you is notice to all of you.
- You must examine your
statement of account with "reasonable promptness." If
you discover (or reasonably should have discovered) any unauthorized
signatures or alterations, you must promptly notify us of the relevant
facts. As between you and us, if you fail to do either of these
duties, you will have to either share the loss with us, or bear
the loss entirely yourself (depending on whether we used ordinary
care and, if not, whether we contributed to the loss). The loss
could be not only with respect to items on statement but other items
with unauthorized signatures or alterations by the same wrongdoer.
You agree that the time you have to examine your statement and
report to us will depend on the circumstances, but will not, in
any circumstance, exceed a total of 30 days from when the statement
is first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures,
alterations, forgeries, or any other errors in your account within
60 days of when we first send or make the statement available, you
cannot assert a claim against us on any items in that statement,
and as between you and us the loss will be entirely yours. The 60-day
limitation is without regard to whether we used ordinary care. The
limitation in this paragraph is in addition to that contained in
the first paragraph of this section.
- This account may
not be transferred or assigned without our prior written consent.
- If, in connection
with a direct deposit plan, we deposit any amount in an account
which should have been returned to the Federal Government for any
reason, you authorize us to deduct the amount of our liability to
the Federal Government from the account or from any other account
you have with us, without prior notice and at any time, except as
prohibited by law. We may also use any other legal remedy to recover
the amount of our liability.
- If this
option is selected, this is a temporary account agreement. Each
person who signs in the space designated for signatures on the signature
card (except as indicated to the contrary) may transact business
on this account. However, we may at some time in the future restrict
or prohibit further use of this account if you fail to comply with
the requirements we have imposed within a reasonable time.
- We may (without prior notice
and when permitted by law) set off the funds in this account against
any due and payable debt you owe us no or in the future, by any
of you having the right of withdrawal, to the extent of such persons'
or legal entity's right to withdraw. If the debt arises from a note,
"any due and payable debt" includes the total amount of
which we are entitled to demand payment under the terms of the note
at the time we set off, including any balance the due date for which
we properly accelerate under the note.
This right of setoff does not apply to this account if: (a) it
is an IRA or other tax-deferred retirement account, or (b) the debt
is created by a consumer credit transaction under a credit card
plan (but this does not affect our rights under any consensual security
interest), (c) the debtor's right of withdrawal only arises in a
representative capacity, or (d) the debt is created by a home equity
loan. We will not be liable for the dishonor of any check when the
dishonor occurs because we set off a debt against this account.
You agree to hold us harmless from any claim arising as a result
of our exercise of our right of setoff.
- We are not required
to honor any restrictive legend on checks you write unless we have
agreed in writing to the restriction. Examples of restrictive legends
are "must be presented within 90 days" or "not valid
for more than $1,000.00."
- The law
permits us to pay items drawn on your account in any order. It
is the policy
of Grand Bank of Texas to pay items in the following order: Teller-cashed
items are paid first followed by ATM, POS (Point-of-Sale), Debit
card and ACH transactions and then paper items (checks). Within
these categories, items are paid largest to smallest by dollar
amount.
- This agreement
is subject to Article 4A of the Uniform Commercial Code - Fund Transfers
as adopted in the state in which you have your account with us.
If you originate a fund transfer for which Fedwire is used, and
you identify by name and number a beneficiary financial institution,
an intermediary financial institution or a beneficiary, we and every
receiving or beneficiary financial institution may rely on identifying
number to make payment. We may rely on the number even if it identifies
a financial institution, person or account other than the one named.
These rules provide, among other things, that payments made by you,
or originated by you, are provisional until final settlement is
made through a Federal Reserve Bank or payment is otherwise made
as provided in Article 4A-403(a) of the Uniform Commercial Code.
If we do not receive such, we are entitled to a refund from you
in the amount credited to your account and the party originating
such payment will not be considered to have paid the amount so credited.
If we receive a credit to an account you have with us by wire or
ACH, we are not required to give you any notice of the payment order
or credit.
Indicated below are types of Electronic Fund Transfers we are capable
of handling, some of which may not apply to your account. Please
read this disclosure carefully because it tells you your rights
and obligations for the transactions listed. You should keep this
notice for future reference.
You may make
arrangements for certain direct deposits to be accepted into your
checking or savings account(s).
Preauthorized payments.checking or savings
account(s).
- Your check can result in an electronic fund transfer. This can
happen in several ways. For example:
- You can purchase goods or pay for services and authorize a merchant
or service provider to convert your check into an electronic funds
transfer.
- At the time you offer a check to a merchant or service provider,
you may be asked to authorize the merchant or service provider
to electronically collect a charge in the event the check is returned
for insufficient funds. Paying such a fee electronically is an
electronic funds transfer.
Your authorization to make these types of electronic funds transfers
may be expressed in writing or implied through the posting of a
sign.
- You may access your account
by telephone 24 hours a day at (972) 264-1345 using your personal
identification number, a touch tone phone, and your social security
number, to:
- transfer funds from checking to checking
- transfer funds from checking to savings
- transfer funds from savings to checking
- transfer funds from savings to savings
- make payments from checking to loan accounts with us
- make payments from savings to loan accounts with us
- get information about:
- the account balance of checking accounts
- the last ten deposits to checking accounts
- the last ten withdrawals from checking accounts
- the account balance of savings accounts
- the last ten deposits to savings accounts
- the last ten withdrawals from savings accounts
- You may access your account(s)
by ATM using your ATM card and personal identification number (PIN),
to:
- make deposits to checking account(s) with an ATM card
- make deposits to savings account(s) with an ATM card
- get cash withdrawals from checking account(s) with an ATM card
- you may withdraw no more than $200.00 per processing day
period
- there is a charge of $1.00 at nonproprietary ATMs
- get cash withdrawals from savings account(s) with an ATM card
- there is a charge of $1.00 at nonproprietary ATMs
- transfer funds from savings to checking account(s) with an ATM
card
- transfer funds from checking to savings account(s) with an ATM
card
- get information about:
- the account balance of your checking accounts
- the account balance of your savings accounts
Some of these services may not be available at all terminals.
- You may access your checking or savings account(s) to purchase
goods (in person) or pay for services (in person).
- Using your card:
- you may not exceed $200.00 in transactions per day
- We do not charge for direct deposits to any type of account.
Except as indicated elsewhere, we do not charge for these electronic
funds transfers.
ATM Operator/Network Fees. When you use an ATM not owned by us,
you may be charged a fee by the ATM operator or any network used
(and you may be charged a fee for a balance inquiry even if you
do not complete a fund transfer).
- You can get
a receipt at the time you make any transfer to or from your account
using one of our automated teller machines or point-of-sale terminals.
- If you have
arranged to have direct deposits made to your account at least
once every 60 days from the same person or company, you can call
us at (972) 264-2368 to find out whether or not the deposit has
been made.
You will get a monthly account statement from us for your checking
and money market accounts.
- If you have told us in advance to make regular
payments out of your account, you can stop any of these payments.
Here is how:
Call or write us at the telephone or address listed in this brochure
in time for us to receive your request 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 14 days after you call.
We will charge you $25.00 for each stop-payment order you give.
- If these
regular payments may vary in amount, the person you are going
to pay will tell you, 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.)
- If you order us to stop one
of these payments 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.
If we do not complete a transfer to or from your
account on time or in the correct amount according to our agreement
to you, we will be liable for your losses or damages. However, there
are some exceptions. We will not be liable, for instance:
- If, through no fault of ours, you do not have enough money in
your account to make the transfer.
- if you have an overdraft line and the transfer would go over
the credit limit.
- If the automated teller machine where you are making the transfer
does not have enough cash.
- If the terminal or system was not working properly and you knew
about the breakdown when you started the transfer.
- If circumstances beyond our control (such as fire or flood)
prevent the transfer, despite reasonable precautions that we have
taken.
- There may be other exceptions stated in our agreement with you.
We will disclose information to third parties about your account
or the transfers you make:
- where it is necessary for completing transfers; or
- in order to verify the existence and condition of your account
for a third party, such as a credit bureau or merchant, or
- in order to comply with government agency or court orders; or
- as explained in the separate Privacy
Disclosure.
Tell us AT
ONCE if you believe your card and/or code has been lost or stolen.
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,
you can lose no more than $50 if someone used your card and/or code
without your permission. (If you believe your card and/or code has
been lost or stolen, and you tell us within 2 business days after
you learn of the loss or theft, you can lose no more than $50 if
someone used your card and/or code without your permission.)
If you do NOT tell us within 2 business days after you learn of
the loss or theft of your card and/or code, and we can prove we
could have stopped someone from using your card and/or code 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,
tell us at once. If you do not tell us within 60 days after the
statement was mailed to you, you may not get back any money you
lost after the 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 hospital stay) kept you
from telling us, we will extend the time periods.
If you believe your card and/or code has been lost or stolen
or that someone has transferred or may transfer money from your
account without your permission, call or write us at the telephone
or address listed in this brochure.
In Case of Errors or Questions About Your Electronic Transfers,
Call or Write us at the telephone number or address listed in this
brochure, 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.
- Tell us your name and account number (if any).
- Describe the error or the transfer you are unsure about, and
explain as clearly as you can why you believe it is an error why
you need more information.
- 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 (20 business days if the transfer involved a new account) after
we hear from you and will correct any error promptly. If we need
more time, however, we may take up to 45 days (90 days if the transfer
involved a new account, a point-of-sale transaction, or a foreign-initiated
transfer) to investigate your complaint or question. If we decide
to do this, we will credit your account within 10 business days
(20 business days if the transfer involved a new account) 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. Your account is considered a new account for the first
30 days after the first deposit is made, unless each of you already
has an established account with us before this account is opened.
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.
GRAND BANK OF TEXAS
2341 S. BELT LINE ROAD
GRAND PRAIRIE, TEXAS 75051
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (972) 264-2368
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST.
As with all financial transactions, please exercise
discretion when using an automated teller machine (ATM) or night
deposit facility. For your own safety, be careful. The following
suggestions may be helpful.
- Prepare for your transactions at home (for instance, by filling
out a deposit slip) to minimize your time at the ATM or night
deposit facility.
- Mark each transaction in your account record, but not while
at the ATM or night deposit facility. Always save your ATM receipts.
Don't leave them at the ATM or night deposit facility because
they may contain important account information.
- Compare your records with the account statements you receive.
- Don't lend your ATM card to anyone.
- Remember, do not leave your cared at the ATM. Do not leave any
documents at a night deposit facility.
- Protect the secrecy of your Personal Identification Number (PIN).
Protect your ATM card as though it were cash. Don't tell anyone
your PIN. Don't give anyone information regarding your ATM card
or PIN over the telephone. Don't write your PIN where it can be
discovered. For example, don't keep a note of your PIN in your
wallet or purse.
- Prevent others from seeing you enter your PIN by using your
body to shield their view.
- If you lose your ATM card or if it is stolen, promptly notify
us. You should consult the other disclosures you have received
about electronic fund transfers for additional information about
what to do if you card is lost or stolen.
- When you make a transaction, be aware of your surroundings.
Look out for suspicious activity near the ATM or night deposit
facility, particularly if it is after sunset. At night, be sure
that the facility (including the parking area and walkways) is
well lighted. Consider having someone accompany you when you see
the facility, especially after sunset. If you observe any problem,
go to another ATM or night deposit facility.
- Don't accept assistance from anyone you don't know when using
an ATM or night deposit facility.
- If you notice anything suspicious or if any other problem arises
after you have begun an ATM transaction, you may want to cancel
the transaction, pocket your card and leave. You might consider
using another ATM or coming back later.
- Don't display your cash; pocket it as soon as the ATM transaction
is completed and count the cash later when you are in the safety
of your own car, home, or other secure surrounding.
- At a drive-up facility, make sure all the car doors are locked
and all of the windows are rolled up, except the driver's window.
Keep the engine running and remain alert to your surroundings.
- We want the ATM and night deposit facility to be safe and convenient
for you. Therefore, please tell us if you know of any problem
with a facility. For instance, let us know if a light is not working
or there is any damage to a facility. Please report any suspicious
activity or crimes to both the operator of the facility and the
local law enforcement officials immediately.
This policy statement applies to "transaction" accounts.
Transaction accounts, in general, are accounts which permit an unlimited
number of payments to third persons and an unlimited number of telephone
and preauthorized transfers to other accounts of yours with us.
Checking accounts are the most common transaction accounts. Feel
free to ask us whether any of your other accounts might also be
under this policy.
Our policy is to make funds from your cash and 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. Once the funds are available, you can withdraw them
in cash and we will use the funds to pay checks that you have written.
Please remember that even after we have made funds available to
you, and you have withdrawn the funds, you are still responsible
for checks you deposit that are returned to us unpaid and for any
other problems involving your deposit.
For determining the availability of your deposits, every day is
a business day, except Saturdays, Sundays, and federal holidays.
If you make a deposit before 3:00 P.M. (cutoff times may be later
on some days or at some locations) 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 3:00 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.
If you make a deposit at an ATM before 2:30 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 at an ATM after 2:30
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.
If we cash a check for you that is drawn on another bank, we may
withhold the availability of a corresponding amount of funds that
are already in your account. Those funds will be available at the
time funds from the check we cashed would have been available if
you had deposited it.
If we accept for deposit a check that is drawn on another bank,
we may make funds from the deposit available for withdrawal immediately
but delay your availability to withdraw a corresponding amount of
funds that you have on deposit in another account with us. The funds
in the other account would then not be available for withdrawal
until the time periods that are described elsewhere in this disclosure
for the type of check that you deposited.
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 fifth business day after the day of your deposit.
The first $100 of your deposits, however, may be available on the
first business day.
If we are not going to make all of the funds from your deposit
available on the first business day, we will notify you at the time
you make your deposit. We will also tell you when the funds will
be available. If you 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,
funds you deposit by check may be delayed for a longer period under
the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months.
- There is an emergency, such as failure of computer or communications
equipment.
We will notify you if we delay your ability to withdraw funds for
any of these reasons, and we will tell you when the funds will be
available. They will generally be available no later than the eleventh
business day after the day of your deposit.
If you are a new customer, the following special rules will apply
during the first 30 days 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 first $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 (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 eleventh
business day after the day of your deposit.
9:00 to 3:00
Monday thru Thursday
9:00 to 6:00 Friday
9:00 to 12:00 Saturday (Belt Line location only)
7:30 to 6:00
Monday through Friday
9:00 to 12:00 Saturday
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