Internet Banking Agreement and Disclosure Statement

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1 Internet Banking Agreement and Disclsure Statement This agreement cntains the terms and cnditins that gvern accessing r using Internet Banking (NetTeller), Bill Payment Services, Mbile Banking and On Demand Transfer Service (the Services ). When yu use the Services yu agree t the terms and cnditins utlined in this agreement. The agreement will be gverned by and interpreted in accrdance with all applicable federal and State f Wiscnsin laws and regulatins. The fllwing rules will apply t the extent there is n applicable federal r State f Wiscnsin law r regulatin. The terms we, us, ur, and Bank refer t. Yu and yur mean each persn wh establishes a NetTeller Accunt with us r wh uses r is authrized t use a NetTeller identificatin number and passwrd r ther means f access we establish r apprve. The term NetTeller means ur service that allws yu t make payments, transfer funds, access accunts, btain infrmatin and perfrm ther transactins ver the Internet by use f a persnal cmputer, mbile phne and/r ther means we authrize r allw. BUSINESS DAY/HOURS OF OPERATIONS Business Day means Mnday thrugh Friday excluding Federal Hlidays. NetTeller transfers and lan payments may be perfrmed until 8:00 pm Central Time (CT) n a Business Day. Transactins perfrmed after 8:00 pm (CT) n a Business Day will be prcessed the next Business Day. Bill Payment transactins will be prcessed if received by 12:00 pm (CT) n a Business Day. Bill Payment transactins received after 12:00 pm (CT) n a Business Day will be prcessed the next Business Day. Prcessing ccurs twice daily the first f the day at 2:00 am (CT), the secnd at 12:00 pm (Nn) (CT). The payment will be prcessed n the date scheduled at the earliest pssible prcessing time. If the payment was scheduled with tday s date and the last prcessing time has passed, the payment will be prcessed at the next pssible prcessing time. Fr example: Payment scheduled with tday s date and entered at 9:00 am (CT): Payment will prcess tday at 12:00 pm (Nn) (CT). Payment scheduled with tday s date and entered at 1:00 pm (CT): Payment date will display tmrrw s date and will prcess at 2:00 am (CT). Payment scheduled with future date, regardless f time entered: Payment will prcess at 2:00 am (CT) n the scheduled date. Payments d nt get prcessed n hlidays r weekends. If a scheduled payment falls n a hliday r weekend, it will be prcessed n the Friday befre the weekend, r the last business day befre the hliday. Yu must make a stp payment rder by 8:00 pm (CT) n a Business Day in rder fr it t be effective the same Business Day. Stp payments placed after 8:00 pm (CT) n a Business Day will becme effective the next Business Day. Stp payment rders must precisely identify the number, date and amunt f the item and the payee. If an On Demand Transfer (External Transfer) is scheduled befre 1:00 pm (CT) n a Business Day, the transfer will be prcessed that Business Day and funds will be psted generally n later than tw Business Days after it is prcessed. COMPUTER EQUIPMENT REQUIRED Yu are respnsible fr btaining, installing, maintaining and perating all sftware, hardware r ther equipment (cllectively, "Systems") necessary fr yu t access and use the Services. This respnsibility includes, withut limitatin, yur utilizing up t date web-brwsers and access devices and the best cmmercially available encryptin, antivirus, anti-spyware, and internet security sftware. Yu are additinally respnsible fr btaining Internet services via the Internet service prvider f yur chice, fr any and all fees impsed by such Internet service prvider and any assciated cmmunicatins service prvider charges. Yu acknwledge that there are certain security, crruptin, transmissin errr, and access availability risks assciated with using pen netwrks such as the Internet and yu hereby expressly assume such risks, including, but nt limited t thse we may disclse in ur educatinal materials. Yu acknwledge that yu are respnsible fr the data security f the Systems used t access NetTeller, and fr the transmissin and receipt f infrmatin using such Systems. IDENTIFICATION NUMBER AND PASSWORD T access ur NetTeller service, yu must use the identificatin number and/r ther means f access we establish r prvide fr yur NetTeller Accunt, tgether with a passwrd. Anyne t whm yu give yur NetTeller identificatin number and passwrd r ther means f access will have full access t yur accunts even if yu attempt t limit that persn's authrity.

2 INTERNET FUNDING ACCOUNT Yu may nt designate any accunt that requires mre than ne signature fr withdrawals. Yu must be the wner f this accunt. NETTELLER SERVICES Yu r smene yu have authrized by giving them yur NetTeller identificatin number and passwrd r ther means f access (even if that persn exceeds yur authrity), can perfrm the fllwing transactins via ur Internet Banking and Mbile Banking services: View details n depsit accunts and mst lans View histry n depsit accunts and mst lans Balance inquiries n depsit accunts and mst lans Transfer f funds between qualifying accunts Lan Payments frm Depsit Accunts t mst Lan Accunts Perfrm ther transactins that we authrize Yu may use NetTeller t view cpies f checks and Depsit Accunt statements (nt available thrugh mbile banking), place stp payments n checks, dwnlad accunt infrmatin t persnal financial management sftware such as Quicken and set up accunt alerts. Fr security reasns, yur NetTeller ID will becme drmant after 120 days f inactivity. The NetTeller ID will be deleted after 365 days f inactivity. Bill Payer Bill Payer allws yu t enter and schedule the date f payments yu want t make. A recurring scheduled payment can be set up in advance t any date in the future. A ne time payment can be set up t be prcessed up t 4 years in the future. On Demand Transfer Allws yu t transfer mney between mst depsit accunts yu have with and mst depsit accunts (Checking, Savings, Mney Market and NOW Accunts) yu wn at ther financial institutins prvided funds are available in the accunt yu are transferring mney frm. Yu are respnsible fr having sufficient available funds n depsit t execute an External Transfer in full n the scheduled dates. Access t On Demand Transfer may be stpped after 90 days f inactivity. Limitatins fr Cnsumer NetTeller Banking, Bill Payer Systems and On Demand Transfers Yu must have enugh available mney r credit in any accunt frm which yu instruct us t make a payment r transfer. Federal Regulatin limits the number f transfers and preauthrized electrnic transfers t third parties frm mney market and savings type accunt(s). Yu are limited t six such transfers frm each mney market and/r savings type accunt(s) yu have per mnth fr each such accunt fr purpses f making a payment t such third parties. Check payments are limited t $9,999, Electrnic payments are validated against the available accunt balance prir t prcessing with a maximum limit f: Bill Payer: $500, On Demand Transfers: Limit as indicated n On Demand Transfer applicatin. The minimum amunt that can be sent fr either check r electrnic is $0.01. Mbile Services Yur enrllment in NetTeller may include access t sme prducts and services thrugh a mbile device ("Mbile Services"). By using the Mbile Services, yu agree t the fllwing terms. Yu agree that we may send yu infrmatin relative t Mbile Services thrugh yur cmmunicatin service prvider in rder t deliver them t yu and that yur cmmunicatin service prvider is acting as yur agent in this capacity. Yu agree t prvide a valid phne number, e- mail address r ther delivery lcatin s that we may send yu certain infrmatin abut yur applicable accunt r therwise related t the Mbile Services. Additinally, yu agree t indemnify, defend and hld us harmless frm and against any and all claims, lsses, liability, cst and expenses (including reasnable attrneys' fees) arising frm yur prvisin f a phne number, address, r ther delivery lcatin that is nt yur wn r yur vilatin f applicable federal, state r lcal law, regulatin r rdinance. Yur bligatin under this paragraph shall survive terminatin f the Agreement. The Mbile Services are prvided fr yur cnvenience and d nt replace yur mnthly accunt statement(s), which are the fficial recrd f yur accunts. Delivery and receipt f infrmatin, including instructins fr payment, transfer and ther mve mney transactins, thrugh the Mbile Services may be delayed r impacted by factr(s) pertaining t yur Internet service prvider(s), phne carriers, ther parties, r because f ther reasns utside f ur cntrl. We will nt be liable fr lsses r damages arising frm any disclsure f accunt infrmatin t third parties, nn-delivery, delayed delivery, misdirected delivery r mishandling f, r inaccurate cntent in, infrmatin and instructins sent thrugh the Mbile Services. We reserve the right t determine yur eligibility fr any prduct, service, r functinality. The methd f entering instructins via the Mbile Services may als differ frm the methd f entering instructins directly thrugh NetTeller withut the use f a mbile device We are nt respnsible fr such differences, whether r nt attributable t yur use f the Mbile Services. Additinally, yu agree that neither we nr ur service prviders will be liable fr any errrs r delays in the cntent, r fr any actins taken in reliance theren. Yu are respnsible fr any and all charges, including, but nt limited t, fees assciated with text messaging impsed by yur cmmunicatins service prvider. We are nt respnsible fr any damages resulting frm yur failure t cmply with any terms and cnditins prvided by yur cmmunicatin service prvider r any app stre.

3 T access the Mbile Banking service, g t n yur mbile device s brwser and lgin with yur NetTeller identificatin number and passwrd. BILL PAYMENT SERVICES Yu authrize us t fllw yur payment instructins. Electrnic Payments - fr a Pay One r Pay Many payment(s), we will deduct yur payments(s) frm yur checking accunt n the date yu set fr the payment t be frwarded t the payee (the Payment Date ) r within 2 Business Days f the Payment Date. Fr Recurring Payments, we will deduct yur payment frm yur accunt n the start date ( Start Date ) r within 2 Business Days f the start date. We will deduct subsequent payments frm yur accunt using the start date as a reference pint. Check Payments - fr payments that are prcessed via check(s), the funds will be deducted frm yur accunt when the issued check fr that payment gets presented against yur accunt. We will initiate payments t payees designated by yu. T ensure n-time payments, allw at least 3 Business Days fr electrnic and 7 Business Days fr standard check payments. If a payee des nt accept electrnic payments, yu authrize us t make payment by check. We may, but need nt, deduct these payments frm yur designated accunt even if they create an verdraft. The date a payee credits a payment depends upn the payee s payment prcessing prcedures and any specific requirements fr payments, as well as delays in receiving a payment. We will nt be respnsible fr: delays in crediting payments by a Payee that are the result f their prcedures; yur failure t fllw a Payee s payment requirements; yur failure t schedule a prper date fr payment sufficiently in advance f the date a payment is due; delays in any mail service; r ther exceptins stated in this Agreement. Yu authrize us t make payments by electrnic, paper r ther means we determine apprpriate. Upn terminatin f the bill payment service by either party, yu will be respnsible fr making arrangements t pay any future r recurring Payments. We reserve the right t refuse t pay a Payee fr reasns we deem sufficient, including, withut limitatin, if: yur designated accunt has insufficient available funds, a payee has refused t accept a payment, yu attempt t make a payment t a gvernmental agency r t a payee utside f the United States r a U.S. territry, r yu attempt t make a curt-directed alimny r supprt payment yur Bill Payer accunt becmes inactive fr greater than 90 days Yu are respnsible fr having sufficient available funds n depsit t make payments in full n scheduled dates. BILL PAYMENT AND TRANSFER SERVICE FEES Bill Payer Service: There may be a fee fr making payments using the Bill Payer Service. Please refer t the Bank's "Fee Schedule" fr fees relating t the Bill Payer Service. Fees are subject t change frm time t time upn ntice t yu as may be required by law. If we prcess a payment in accrdance with yur Instructins that verdraws yur accunt, we may assess a fee r charge interest fr any such verdraft in accrdance with the terms f yur Depsit Accunt Agreement. We will nt be liable fr failure t pay any bill payment request unless it is drawn against available funds credited t the designated Pay Frm accunt. Internal Transfer Service Fees: If we prcess an Internal Transfer in accrdance with yur instructins that verdraws yur accunt, we may assess a fee r charge interest fr any such verdraft in accrdance with the terms f yur Depsit Accunt Agreement. On Demand Transfer Service Fees: There may be a fee fr making utging and incming Transfers using the On Demand Transfer Service. Please refer t the Bank's "Fee Schedule" fr fees relating t the On Demand Transfer Service. Fees are subject t change frm time t time upn ntice t yu as may be required by law. If we prcess a transfer in accrdance with yur Instructins that verdraws yur accunt, we may assess a fee r charge interest fr any such verdraft in accrdance with the terms f yur Depsit Accunt Agreement. If we prcess a transfer in accrdance with yur Instructins that verdraws yur accunt at anther Financial Institutin, they may assess a fee r charge interest fr any such verdraft in accrdance with the terms f yur Depsit Accunt Agreement with the ther Financial Institutin. Yu will nt hld respnsible t pay any fees r charges assessed by yur ther Financial Institutin. Yu will be respnsible fr paying any telephne cmpany r utility charges and/r Internet access service fees incurred while using telephne lines and/r Internet access services t cnnect with NetTeller. If yu use persnal financial management sftware t access yur accunts (such as Quicken ), a fee may be charged fr the use f thse services and additinal service terms and cnditins may apply. OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS If yu fllw the prcedures in this agreement and help screens, and we fail t send a payment n the Payment Date r ther scheduled payment date, we will reimburse yu fr any late charge penalty assessed by a Payee because yur payment was received late. In any ther event, the risk f incurring and the respnsibility fr paying any and all late charges r ther damages r penalties shall be brne by yu.

4 If we d nt cmplete a payment r transfer n time r in the crrect amunt accrding t ur agreement with yu, we will be liable fr yur lsses r damages as prvided by law. Hwever, there are exceptins. We will NOT be liable, fr instance: If, thrugh n fault f urs, yu d nt have enugh available mney in the accunt frm which a payment r transfer is t be made, r if the accunt has been clsed r is nt in gd standing, r if we reverse a payment r transfer because f insufficient funds. If any payment r transfer wuld g ver the credit limit f any accunt. If yur equipment r urs was nt wrking prperly and the breakdwn shuld have been apparent t yu when yu attempted t cnduct the transactin. If yu have nt given us cmplete, crrect r current accunt numbers r ther identifying infrmatin s that we can prperly credit yur accunt r therwise cmplete the transactin. If yu d nt prperly fllw ur instructins r if yu prvide us with wrng r inaccurate infrmatin r fail t crrect r tell us abut any inaccuracy f which yu are aware. If yu d nt instruct us sn enugh fr yur payment r transfer t be received and credited by the time it is due. If the mney in the accunt frm which a payment r transfer is t be made is subject t legal prcess r ther claim restricts the transactin. If circumstances r persns beynd ur cntrl (such as fire r fld, cmputer r machine breakdwn, r failure r interruptin f cmmunicatins facilities) prevent, delay, intercept r alter the transactin, despite reasnable precautins that we have taken. There may be ther exceptins prvided by applicable law. If yu believe yu are entitled t a reimbursement fr a late charge penalty please cntact us at during nrmal business hurs. STATEMENTS Yur Internet Banking payments and transfers will be indicated n the statement we prvide r make accessible t yu fr the Internet Funding Accunt. Yu agree t ntify us prmptly if yu change yur address r if yu believe there are any errrs r unauthrized transactins n any statement, r statement infrmatin. YOUR LIABILITY Yu agree t the terms f this accunt and the "Fee Schedule" that may be impsed. Yu authrize us t deduct these charges as accrued directly frm the accunt balance. Yu are liable fr all transactins that yu make r authrize, even if the persn yu authrize exceeds yur authrity. If yu have given smene yur Internet Banking number and passwrd r ther means f access and want t terminate that persn's authrity yu must change yur identificatin number and passwrd r ther means f access r take additinal steps t prevent further access by such persn. ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS CONSUMER ACCOUNTS ONLY If yu think yur statement r receipt is wrng, r yu need mre infrmatin abut a transactin n yur statement, write us at: P.O. Bx 223 Mukwnag, WI Or, yu may send us a secure thrugh yur NetTeller accunt r secure message using the Cntact Us applicatin frm ur website, In yur letter, give us the fllwing infrmatin: Yur name and accunt number. A brief descriptin f the errr r transactin yu are unsure abut and an explanatin why yu believe there is an errr r why yu need mre infrmatin. The dllar amunt f the suspected errr. Yu can als telephne us at (262) , but ding s will nt preserve yur rights. We must hear frm yu n later than 60 days after we sent yu the first statement n which the errr r prblem appeared. If yu tld us f yur cmplaint r questin rally, we may require that yu send us yur cmplaint r questin in writing within 10 business days. If we d nt receive yur written cmplaint r questin within 10 business days, we may nt prvisinally recredit yur accunt. We will investigate yur cmplaint and crrect any errr prmptly. If we take mre than 10 business days t investigate, we will recredit yur accunt fr the amunt yu think is in errr; s that yu will have the use f the mney during the time it takes us t cmplete ur investigatin. If we need mre time, hwever, we may take up t 45 calendar days t investigate yur cmplaint r questin. In the case f pint f sale transactins and freign-initiated electrnic fund transfers, we may take up t 90 calendar days t

5 cmplete ur investigatin. If we decide t d this, we will prvisinally recredit yur accunt within 10 business days fr the amunt in questin. If a claim is made within 30 calendar days f pening an accunt, we may take up t 90 calendar days t investigate yur cmplaint. If we decide t d this, we will prvisinally recredit yur accunt within 20 business days fr the amunt in questin. If we determine there is n errr, we will send yu a written explanatin within 3 business days after we finish ur investigatin. Yu may ask fr cpies f the dcuments used in the investigatin. ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS BUSINESS ACCOUNTS ONLY In case f errrs r questins abut yur electrnic transfers r payments yu shuld cntact us as sn as yu can by calling at (262) r writing us at: P. O. Bx 223 Mukwnag, WI Or, yu may send us a secure thrugh yur NetTeller accunt r secure message using the Cntact Us applicatin frm ur website, If yu think that yur statement is wrng r yu need mre infrmatin abut a transfer r payment listed n the statement we must hear frm yu n later than sixty (60) days after we sent r therwise made available t yu the first statement n which the prblem r errr appeared. Failure t s ntify us will preclude yu frm being able t assert a claim based n such prblem r errr. Any errrs reprted t us will be investigated by us and we will advise yu f the results f ur investigatin. In case f errrs r questins abut yur electrnic transfers that appear n yur External Accunt statements, please cntact the financial institutin that prvided such statement t yu in accrdance with the terms and cnditins f yur External Accunt. DISCLOSURE OF ACCOUNT INFORMATION We will disclse infrmatin t third parties abut yur accunt r electrnic funds transfers made t yur accunt: Where necessary t cmplete a transfer r investigate and reslve any errrs invlving the transfer(s); r In rder t verify the existence and cnditin f yur accunt fr a third party such as a credit bureau r merchant; r In rder t cmply with gvernment agency r curt rders, subpenas, summns, warrants r ther lawful prcess; r With yur cnsent LOSS OR THEFT OF YOUR NETTELLER IDENTIFICATION NUMBER OR PASSWORD If yu believe yur NetTeller identificatin number, passwrd r ther means f access have been lst, stlen r that smene has used them withut yur authrizatin, cntact us n nrmal business days, excluding hlidays: Between 8:30 a.m. and 5:00 p.m. Mnday - Friday call us at and ask fr the accunting department. Between 5:00 p.m. and 8:00 p.m. Mnday Friday call ne f ur In-Stre branches Between 9:00 a.m. and 6:00 p.m. n Saturday s call ne f ur In-Stre branches Between 9:00 a.m. and 3:00 p.m. n Sunday s call ne f ur In-Stre branches In-Stre Branch s East Try Office Muskeg Office Parkview Office Or yu may us at: We will send an back t yu as cnfirmatin that we did receive it. Because the Internet is nt secure, d nt include any f yur accunt r scial security numbers with yur . Or write t us at: P O Bx 223 Mukwnag, WI Quickly telephning us is the best way f reducing yur pssible lsses. If yu leave a message n ur vic , please leave yur name, address, phne number and a brief message as t what the prblem might be.

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