Greenwoods State Bank’s Consumer Online and Mobile Banking
Agreement and Disclosures

Electronic Notice Disclosure and E-Sign Consent for Online and Mobile Banking

Before enrolling Greenwoods State Bank’s (GSB’s) Online and Mobile Banking Service (the “Service”), you must provide us with your consent to deliver documents relating to the Service to you electronically. You are deemed to have received any electronic communication provided to you when it is made available to you. Such documents contain the terms and conditions that will govern the Service, among other information. By enrolling in the Service and using the Service thereafter, you agree to GSB’s Online and Mobile Banking Agreement and Disclosures.

This provision contains important information that you are entitled to receive before you consent to electronic delivery of this Online and Mobile Banking Agreement and Legal Disclosures (defined below). Please read this E-Sign Consent carefully and print or retain a copy for your records.

By clicking the “Accept” button below, you consent

• to the electronic delivery and receipt of information relating to your account(s) with us that you access using the Service, including this Online and Mobile Banking Agreement and Disclosures (the “Agreement”) or other agreements related to the Service, amendments to such agreements, privacy disclosures, including the annual privacy notice, notices, reports, documents and any other communications and disclosures that we provide, and/or are required by applicable law or regulation to provide to you in writing, including the initial and other disclosures under the Electronic Funds Transfer Act, during the course of your account relationships with us (this consent does not apply to your periodic statements) (“Legal Disclosures”).
• that you are able to electronically access this Agreement and are satisfied that you meet the hardware and software requirements listed below.
• that you have printed this Agreement, at your discretion.
• that you agree to all of the terms of this Agreement governing your use of the Service.
• that you are authorized to consent to all of these matters on behalf of all of the persons with access to your accounts.

We reserve the right to deliver any information, communications, Legal Disclosures, and/or Agreements relating to the Service to you by regular mail to your most recent address reflected in our records. This is in lieu of or in addition to electronic records at any time in our discretion. We reserve the right to require you to furnish to us, writings or paper copies of information, communications, Legal Disclosures, and/or Agreements relating to the Service, in lieu of or in addition to electronic records at any time in our discretion.

Right of Consumers to Decline and/or Withdraw Consent For Electronic Disclosures
You may choose not to consent. If you do not electronically consent by clicking on “Accept” below, or if you click the “Decline to Accept” button below, you are indicating that you do not consent. If you do not consent, you will not be permitted to use any of the services available through the Service.

You have the right to withdraw your consent to receive information from us electronically and may exercise such right by contacting us in the manner provided in the following paragraph. However, withdrawing your consent means you will no longer be able to access GSB’s Online and Mobile Banking Service.

Withdrawing Consent and Receiving Paper Copies
If you withdraw your consent to receive information from us electronically, you also terminate your right to use the Service. You may also request and receive a paper copy of the Legal Disclosures. You will not be required to pay a fee for your request for a paper copy. If you wish to withdraw your consent, request a paper copy of the Legal Disclosures, or make changes as to how we may contact you electronically (i.e. your email address for receiving Legal Disclosures), please contact us at:
• by calling us at (920) 648-2324
• by writing to us at Greenwoods State Bank, 117 N Main Street, Lake Mills, WI 53551
• by sending email communication addressed to bank@greenwoods.bank

Changing Your Email Address, Mobile Device Number, Location and Delivery of Disclosures
We may deliver Legal Disclosures and other electronic services information to you electronically
• to your email;
• by posting them on our website and sending you a notice to your postal address or email (either separately or as part of an account statement) telling you that the information has been posted and providing instructions on how to view it; or
• by including them in a statement.

If your email address or Mobile Device number to which we will be sending information relating to the Service should change in the future, you must update the Options tab within our Online Banking with your new contact information, or notify us in writing. If you do not update your contact information in our records, you may not receive the information delivered by us. We will not be liable to you for your failure to update your contact information in our records.

Hardware and Software Requirements.
In order to access the Service and view, print and retain a copy of the Legal Disclosures and Agreements that we make available to you, you will need:
• an active GSB internet banking account;
• a personal computer with connections to the internet capable of receiving, accessing, displaying and either printing or storing statements received in electronic form from GSB;
• a current version of computer operating software and internet browser;
• Internet browser that supports 128 bit encryptions;
• a valid email account;
• Adobe Acrobat Reader; and
• a printer.

In order to access Mobile Banking, you must have:
• a mobile device with a web browser
• GSB’s Mobile Banking application, which is available on the App Store (iPhone) and Google Play
This Consent Does Not Apply to Account Statements
Your consent applies to all communications from us relating to your accounts with us and remains in effect until you withdraw your consent; provided that this consent does not apply to electronic delivery of your account statements, unless you elect to receive your statements electronically by registering for e-statements.

Greenwoods State Bank’s Online and Mobile Banking Agreement

This Agreement applies to your use of Greenwoods State Bank’s (GSB’s) Online and Mobile Banking Services, which permits you to access your accounts with us via the Internet for services through computers and mobile devices. This Agreement is also to inform you of certain rights that you have under the Electronic Funds Transfer Act.

By clicking the “Accept” button below, you agree to comply with the terms and conditions of this Agreement.

1. Defined Terms

As used in the Agreement, the following terms shall have the meaning ascribed to them:

“Account” means your deposit and loan accounts with us including, but not limited to: checking, savings, money market, certificate of deposit, lines of credit, and certain other loan products. “Account” does not include credit card with our name or logo appearing on it.

“Account Owner” means the Owner of any accounts covered by this agreement, any delegate, any authorized representative and the person enrolling in GSB’s Online Banking and thereby agreeing to this agreement or “you”, or “your”.

“Bill Payment” means the Internet-based bill payment service provided to you under the terms of this Agreement.

“Business Day” means Monday through Friday, excluding federal holidays.

“Current Balance” means the account balance as of the end of the previous Business Day, excluding Pending Transactions.

“Financial Institution” means Greenwoods State Bank or “we”, “us”, “our” or “bank”.

“Mobile Banking” means the mobile device based service providing access to your account(s) using your mobile device’s text messaging, web browser or downloadable app capabilities under the terms of this Agreement.

“Mobile Deposit” means the Internet-based service that allows you to deposit checks with your camera-enabled mobile device under the terms of this Agreement.

“Online Banking” means the Internet-based service providing access to your accounts through our website.

“Pending Transactions” means the transactions which have not been posted to your account.

“Processing Date” means the Business Day on which your Account is debited or credited.

2. Eligible Accounts

To use GSB’s Online and Mobile Banking Services, you must have an eligible account. Eligible accounts for online banking include checking accounts, savings accounts, money market accounts, CDs and IRAs, as well as consumer loan accounts. Eligible accounts for bill payment include checking accounts only. The terms of this Agreement apply only to consumer accounts. Deposit accounts and loans that have a common signer for withdrawals or a common borrower may be linked for access purposes. Any signers, acting alone, will be authorized to access a linked account.

3. Transactions

You can use GSB’s Online and Mobile Banking to perform the following:
-View account and transaction information
– Transfer funds among your deposit accounts
– Transfer funds from your line of credit to your checking account
– Make payments from your checking and savings accounts to your loan accounts
– Initiate bill payments
– Initiate stop payments
– Deposit checks remotely through your mobile device. Terms and conditions specifically applicable to mobile deposits are contained in #10 in this Agreement.
– Set up account alerts to be sent to your Mobile Device

NOTE: Some of the above functions may not be available for all Mobile Devices and/or Mobile Device carrier plans.

You must have enough available money in an account from which you instruct us to make a payment or transfer through GSB’s Online and Mobile Banking Service. Account balances may differ from those in your records due to deposits, outstanding checks or other withdrawals, payments or charges in process.

4. Hardware and Software Requirements

You are responsible for selecting all systems, hardware and your Internet service provider. You are also responsible for any defect, malfunction or interruption in service or security due to hardware failure, your choice of Internet service provider and systems and computer services. You agree that you are solely responsible for your Internet service provider, systems and computer services, telephone service provider (if applicable) and for any and all fees and charges that may be assessed by your telephone and/or internet service provider.

GSB’S ONLINE AND MOBILE BANKING SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. USE OF THE SERVICE IS AT YOUR SOLE RISK. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE, NOR DO WE MAKE ANY WARRANTY AS TO ANY RESULTS THAT MAY BE OBTAINED BY USE OF THE SERVICE, EXCEPT WHEN WE ARE REQUIRED TO DO SO BY LAW. WE MAKE NO OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN RELATION TO THE SERVICE, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW.

5. Access

GSB’s Online and Mobile Banking is a service provided solely for use by GSB customers. You will need a user ID and password to gain access to your online accounts. We may also require you to use additional authentication methods, such as a response to a security question. We will initially assign you a password to gain access. You will be required to change the password the first time you log in and every 3 months after a password change. You should protect your password at all times. By self-enrolling for Online Banking, you will select your user id and password and will not be required to change the password until the 3 month timeframe. Your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. The password has the same effect as your signature authorizing transactions.

You agree to keep the password safe and to not record, disclose or make the password available to anyone. Anyone who has access to your password will have full access to your accounts and the services you can perform on GSB’s Online Banking. You have no ability to limit any such person’s authority. If anyone uses your password without your permission, you will be responsible for any transactions performed by that person.

After three (3) unsuccessful attempts at authorization to use the system, you will need to contact the bank for a temporary password or reset the password using the “Did You Forgot Your Password” option within the login screen of the GSB Online Banking service and waiting for an e-mail to arrive, at the e-mail address on record, with a temporary password.

You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

6. Joint Accounts

If an account requires two or more signatures to make withdrawals is accessible through GSB’s Online and Mobile Banking Service or such an account is automatically added to GSB’s Online and Mobile Banking Service, you agree that the verification by two persons will not apply to electronic funds transfers made using this service. Any one person with the proper login and password is authorized to make transfers, even if you require more than one signature on a transfer made by any means other than GSB’s Online Banking Service, such as by use of a check.

7. Lost or Stolen Password

If your password has been lost or stolen or you believe any of your accounts have been accessed through GSB’s Online and Mobile Banking Services, CONTACT US IMMEDIATELY by calling (920) 648-2324. Calling us is the best way of minimizing your potential losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) business days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within two (2) business days after you learned of the loss or theft of your password, and we can prove we could have prevented someone from using your password without your permission if you had told us, your loss could be as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the first statement on which the problem or error appeared was mailed to you, you may not get back any money you lost after the sixty (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 a hospital stay) kept you from telling us, we will extend the time periods.

8. Security

We are committed to the security of your account information. We require you to enter a password and depending on where you log in from, a security answer, to access the Service. To help ensure the security of your data, you will do the following, as applicable:
– All users of this Service should sign-off immediately after every use. Additionally, the Service may automatically end your session after inactivity in case your computer is left unattended;
– The security of public computers (such as in a hotel, library or internet café) cannot be assured and we recommend you refrain from accessing your accounts on a public computer;
– Routinely scan your computer using a reliable virus detection product. Undetected viruses may corrupt or destroy your hardware and software, and may transmit a virus to others via your computer;
– Use a firewall product, especially if you use a broadband Internet connection, such as DSL or a cable modem;
– Periodically update your computer’s operating system and browser for critical security patches and use the most current, fully patched, version of Internet browsers for using this service.

WE WILL NEVER CONTACT YOU VIA TELEPHONE OR EMAIL REQUESTING PERSONAL INFORMATION, YOUR ACCESS ID, OR PASSWORD. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS INFORMATION, PLEASE CONTACT US IMMEDIATELY. IF YOU OR ONE OF YOUR AUTHORIZED USERS DISCLOSE YOUR ACCESS INFORMATION TO ANYONE, AND/OR ALLOW SOMEONE TO ACCESS YOUR ACCOUNTS, YOU HAVE AUTHORIZED THEM TO ACT ON YOUR BEHALF AND WILL BE RESPONSIBLE FOR ANY USE OF THIS SERVICE BY THEM (SUCH AS PROVIDING INFORMATION TO A JOINT ACCOUNT HOLDER, EMPLOYEE, OR AGGREGATION SERVICE PROVIDER).

WHEN YOU USE THIS SERVICE, YOU ACKNOWLEDGE AND AGREE THE SERVICE INCLUDES COMMERCIALLY REASONABLE SECURITY MEASURES. YOU AGREE TO BE BOUND BY ALL SECURITY PROCEDURES AND INSTRUCTIONS, WHICH MAY BE PERIODICALLY UPDATED. YOU AGREE TO REVIEW AND IMPLEMENT AVAILABLE SECURITY PROCEDURES, INCLUDING PROTECTING USER IDS AND PASSWORDS. YOU ACKNOWLEDGE AND AGREE THE SECURITY IS APPROPRIATE FOR YOUR NEEDS AND WILL PROVIDE YOU A COMMERCIALLY REASONABLE DEGREE OF SECURITY AGAINST UNAUTHORIZED USE.

9. Hours

GSB’s Online Banking is available 24 hours a day, seven days a week, except during scheduled maintenance periods which are generally scheduled between 11 p.m. Sunday night until 5 a.m. Monday morning and 11 p.m. Wednesday night until 5 a.m. Thursday morning. For purposes of electronic transactions, our business days are Monday through Friday excluding holidays as determined by GSB. All GSB’s Online Banking transaction requests received after 6:00 CST Monday through Friday will be processed the next business day. Any transactions initiated on non-business days, or Federal Holidays as determined by GSB will be processed the next business day. If you schedule a recurring funds transfer and the transfer date falls on a weekend, the transfer will occur on the next business day. If you schedule a recurring funds transfer and the transfer date does not exist in a month, the transfer will be processed on the last business day of that month. We may change the cutoff time, from time to time and will notify you of such change if required by law. GSB’s Online Banking may otherwise be delayed, interrupted, or otherwise negatively impacted by factors or reasons outside of our reasonable control. GSB will not be liable for damages arising from delay, failure or error in transmission while using the Service or your inability to access the system.

10. Mobile Banking

Mobile Deposit allows you to make deposits of the electronic image of a check (item) to your checking, savings or money market accounts held with us by capturing an electronic image of that item with a mobile device (such as a camera on your mobile device) and submitting images and associated information to us for processing. Mobile Deposit is available as an additional service to checking and savings customers who are in good standing. Use of this service will constitute acceptance of the terms and conditions presented specifically for this service.

The use of the Mobile Deposit service requires a scanning device that is Twain 32 compatible. All items deposited electronically are to be kept for a period of 14 days and then destroyed.

A. Mobile Device
Not all Mobile Banking services are available on all types of mobile devices. You are responsible for providing a mobile device that is compatible with Mobile Banking. We reserve the right to modify the scope of Mobile Banking at any time. We reserve the right to refuse to make any transaction you request through Mobile Banking. You agree and understand that Mobile Banking may not be accessible or may have limited utility over some mobile networks, such as while roaming.

B. Participating Carriers
Our participating carriers include (but are not limited to) AT&T, Sprint PCS, T-Mobile, US Cellular, Verizon Wireless. Standard messaging and data charges may apply.

C. Deposit of Funds
As a customer, you may deposit up to $5,000 per check and up to $10,000 (or your individual limit) daily into your account by entering the required information during each mobile deposit. A mobile deposit occurs when you select the Deposit icon (“log-in”) in our mobile deposit service, take a picture of the front of the item and the back of the item with the “For Mobile Deposit Only” endorsement and enter information about the deposit. After review, we will post the amount to your account. GSB reserves the right to refuse to accept any deposit received. GSB also reserves the right to place a hold on deposited funds. You may complete more than one mobile deposit as long as the mobile deposit limit is not exceeded.

If we receive the image of a mobile deposit on or before 4:00 pm CST on a business day, we will consider that day the date of deposit. If we receive the image of a mobile deposit after 4:00 pm CST or on a weekend or on a non-business day, we will consider the next business day as the day of deposit. Funds from mobile deposits will be made available to you pursuant to our Funds Availability Policy.

D. Image Quality and Duplicate Deposit
The image of an item transmitted using the mobile deposit service must be legible and clear. It must capture all pertinent information from both sides of the item. Image quality must comply with industry requirement established and updated by the American National Standards Institute, Federal Reserve Board and any other regulatory agency.

A duplicate deposit occurs when you redeposit an item, through Mobile Deposit and/or at any financial institution, GSB included, or at an ATM that has already been deposited and/or processed through the banking system. GSB will charge a fee for any duplicate deposits. The fee is disclosed in GSB’s current Common Features Disclosure.

E. Endorsement
You agree to properly endorse all items captured and submitted using the mobile deposit service. We request that you endorse any mobile deposit items with “For Mobile Deposit Only”.

F. Mobile Deposit Errors
The Mobile Deposit service allows you to view mobile deposits that have not yet been processed by GSB. If you think you have made an error during a mobile deposit or you have a question about your online deposit, you may email us at bank@greenwoods.bank or call us at 920-648-2324.

G. Unacceptable Mobile Deposits
You agree that the following items will not be considered an acceptable mobile deposit under the Mobile Deposit Agreement. Mobile deposits of the nature described below will result in the immediate reversal of the mobile deposit to your account, may result in the suspension of this service, may result in fees being assessed against your account and may subject the depositor to criminal prosecution. A mobile deposit reversal means the amount of the item deposited through mobile banking will be removed from your account and will reduce your account balance. The reversal may also result in a negative balance on your account. Unacceptable mobile deposits include the following:

– Mobile deposit of a Greenwoods State Bank check on Personal Account – The mobile deposit of a personal check that is drawn on your personal checking account(s) at Greenwoods State Bank is PROHIBITED.
– Non-Negotiable Items – The mobile deposit of any item stamped with a “non-negotiable” watermark is PROHIBITED.
– Altered Checks – An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check. Customers with altered checks MUST get a replacement check from the maker before GSB will accept the mobile deposit.
– Foreign Checks – A foreign check is any check that is issued to you by a financial institution in
another country (Canada, France, etc.). Please remit all foreign checks to GSB.
– Incomplete Items – An incomplete item is any item that does not contain signatures of the
maker, endorsement signatures, or is missing any of the information required during entry in a mobile deposit session.
– Stale Dated Checks – Certain checks contain instructions such as: “Void 90 days after issue
date” or “Must be cashed within six months of issue date.” Customers with stale dated checks MUST get a replacement check from the maker before GSB will accept the deposit.
– Post Dated Checks – A check that contains a date after the date of the mobile deposit (Post Dated) is PROHIBITED.

H. Use of Services
Mobile Banking will not work unless you use it properly. You accept responsibility for making sure that you understand how to use Mobile Banking before using, and that you always use Mobile Banking in accordance with any online instructions that may be delivered to you. You also accept responsibility for making sure that you know how to use your mobile device and the mobile banking software. From time to time we may change, upgrade, or add new features to Mobile Banking. In the event of such changes, you are responsible for making sure that you understand how to use the updated or changed version of the software. We will not be liable to you for any losses caused by your failure to use the software or your mobile device properly.

GSB assumes no responsibility for the operation, security, functionality or availability of any wireless device or mobile network which you utilize to access mobile banking.

I. Processing Fees
You agree to immediately reimburse GSB for any negative balance in your account resulting in improper use of Mobile Deposit. You also agree to pay any fees, as listed in the GSB Common Features Disclosure, due to the negative balance status of your account, due to a return deposited item or for a duplicate deposit. In the event legal action is required, you agree to pay GSB for its reasonable attorney fees and court costs.

GSB will not be liable for negative balances on accounts caused by the non-payment of checks due to insufficient funds or for any action by the member or authorized user of the account that results in the reversal of a deposit on the account.

GSB reserves the right to discontinue Mobile Deposit or to suspend account access at any time due to a change in business conditions or the failure of any customer to abide by the Legal Disclosures, the Online Banking and Mobile Deposit Agreement and Disclosure, or any other applicable GSB Agreements and Disclosures.

J. Availability
Mobile Banking and/or the mobile banking software may not be available at any time for any reason outside of the reasonable control of GSB or any service provider.

K. To Stop the Program
To cancel, text “STOP” to 99588 at any time. You will receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

L. Liability for Unauthorized Use
CONTACT US IMMEDIATELY if you believe that unauthorized activity has been conducted through the Mobile Deposit program. Telephoning us at (920) 648-2324 is the best way of keeping damages to a minimum.

M. Questions
You can contact us at (920) 648-2324, or send a text message with the word “HELP” to this number: 99588. We can answer any questions you may have about the program.

N. Privacy and User Information
You acknowledge that in connection with your use of the mobile banking, GSB and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or Software (collectively “User Information”). GSB and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. GSB and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

O. Restrictions on Use
You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by GSB (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of GSB or any third-party service provider involved in the provision of Mobile Banking; or (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or Services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose GSB, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (i) access any Software or Services for which your use has not been authorized; or (ii) use or attempt to use a third party’s account; or (iii) interfere in any manner the provision of Mobile Banking or the Software, the security of Mobile Banking or Software, or other customers of Mobile Banking or the Software, or otherwise abuse Mobile Banking or the Software.

P. Use of Google Maps
You agree to abide by the Google terms and conditions of use found at http://maps.google.co/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legal notices_maps.html, or other URL’s as may be updated by Google.

11. Bill Payments

If you select the bill payment service when signing up for GSB’s Online Banking, which may have an additional fee, you can pay bills either on an automatic recurring basis or periodically as you request. You can use bill payment with any checking account.

This service allows you to enter vendors/payees to whom you want to pay. The online bill pay service will default the first eligible date available for payment. To help ensure that your payments arrive on time, you must schedule your payments to be paid at least five business days before the payment due date. This generally allows sufficient time for the payee to receive and post your payment. This includes processing and mailing time. Funds are drawn from your checking account and paid to the vendor by means of ACH (electronic funds transfer), or personal draft (a check produces by the online bill pay service provider, drawn on your account). The terms and conditions applicable to our bill pay service can be found by logging into GSB’s Online Banking and accessing the Bill Payment link. By using Bill Payment, you agree to those terms and conditions and any changes communicated to you.

12. Transfer Limitation

Under federal regulations, you may make no more than six preauthorized electronic fund transfers and telephone transfers, including GSB’s Online Banking transactions, checks and point-of-sale transactions per month from your savings or money market deposit account. Each fund transfer or bill payment from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each month. However, payments to your loan accounts with us are not counted toward this limit for savings and money market deposit accounts. Excess withdrawals may result in the restriction of funds transfer or account closure or applicable fees. See the particular disclosure for full details.

13. Prohibited Payments

The following payments are prohibited through the GSB’s Online Banking Bill Payment Service:

– Tax Payments and other governmental fees
– Court ordered payments such as alimony and child support payments
– Payments to Payees outside of the United States

14. Returned Payments

GSB is not responsible for any payments received returned for reasons such as, but not limited to, expired forwarding address, invalid account number, and account paid in full. This agreement does not change your liability or obligation that may currently exist between you and anyone paid using this service.

15. POP Money

You may make payments by using PopMoney to send a message to an individual’s e-mail address or cell phone number. Money is debited from your checking account and the recipient must claim the funds via the PopMoney website. There are additional charges to use this service. See the PopMoney disclosure for full details.

16. Cancel a Funds Transfer or Bill Payment

You may cancel or change a scheduled transfer by selecting and accurately completing the appropriate fields. If you do not accurately complete the appropriate instructions prior to the scheduled execution date, we may process the transaction anyway. Recurring transfers occur on the business day you have them scheduled to occur. You must cancel these transactions by the cut-off time on the day prior to the transfer date.

If you fail to cancel a scheduled or preauthorized transfer, you may submit an oral or written stop payment request for a preauthorized payment. We will charge you for each such stop payment order as outlined in the Common Features disclosure. If you call or email, we may also require you to put your request in writing in a form approved by us and get the form to us within 14 days after you call or email. We will require that you tell us the exact amount of the debit, the next date the debit is to be made and the exact name of the payee. If you stop payment of such a preauthorized transfer in accordance with the terms of this Agreement, we will stop the next debit and all subsequent preauthorized payments to that payee.

If we fail to cancel or stop any funds transfer or bill payment, the payment will stand unless you show us that payment to the payee was unenforceable. If we re-credit your account after transferring funds over a valid and timely cancellation request, you agree to sign a statement describing the dispute with the payee, to transfer to us all of your rights against the payee, and to assist us in any legal action taken against that person.

17. Overdrafts

When you schedule a funds transfer or bill payment using GSB’s Online Banking, you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your funds transfer or bill payment from your account on the date we process your instruction. Each instruction to us to withdraw or transfer from an account is an order to us to pay from that account at that time or on a later date, if any, indicated in the instruction. We may charge payments against the account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your account, you agree to immediately pay us the overdrawn amount, together with any applicable fees.

18. Fees

We will charge you for GSB’s Online Banking, Mobile Banking or Bill Payment fees, if any, identified in our current Common Features Disclosure as may be amended by us from time to time, and otherwise in accordance with our Deposit Account Rules. Failure to maintain enrollment in e-Statements will result in a $7.00 charge for each account paper statement generated and mailed out.

19. Statements

Your GSB’s Online and Mobile Banking account activity will appear on your periodic account statement. All statements and notices should be examined by you promptly upon receipt.

20. Errors and Questions

Contact us at (920) 648-2324 or write us at Greenwoods State Bank, 117 N Main Street, Lake Mills, WI 53551 if your statement shows transfers that you did not make or if you need more information about a transfer listed on your statement. We must hear from you no later than sixty (60) days after we sent you 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 in question, and explain why you believe it is an error or why you need more information.
• The dollar amount of the suspected error

If the report is made orally, we may require that you send your complaint or question in writing within ten (10) business days from your initial contact. We will notify you with the results of the investigation within ten (10) business days and will correct any error promptly. If more time is needed, however, we may take up to forty-five (45) days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) business days for the amount you think is in error. This will allow you to use 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 ten (10) business days from your original contact, we may not credit your account until the investigation is completed.

The ten (10) day periods in the preceding paragraph may be extended to twenty (20) business days, if the error involves a transfer to or from the account within thirty (30) days after the first deposit to the account was made. If the error involves an electronic transfer from your account to buy goods or services direct from a merchant, a transfer initiated outside the United States or a transfer that occurred within thirty (30) days after the first deposit to the account was made, the forty-five (45) day time period to investigate your complaint or question will be ninety (90) days in place of forty-five (45) days.

An Account is considered a New Account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within three (3) business days after completing our investigation. If we determine that no error occurred, we will send you a written explanation. You may request copies of the documents that were used in our investigation.

21. Limit of Greenwoods State Bank and Other Provider’s Responsibility

GSB agrees to make reasonable efforts to ensure full performance of GSB’s Online Banking service.

Any information you receive from GSB is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. GSB is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

GSB will be responsible for your actual losses if they were directly caused by our failure to either complete an electronic funds transfer as requested or cancel an electronic funds transfer as properly requested. However, there are some exceptions. We will not be liable, for instance:

– For errors, or failures from any malfunctions of your browser, Internet service provider, computer, computer virus or other problems relating to the computer equipment you use with the Internet Service, including, without limitation, your inability to access Internet Service or any part of Internet Service.

– If, through no fault of ours, your account does not contain sufficient collected funds to make the transfer.

– If the money in your account is subject to legal process or other encumbrances restricting the
transfer.

– If the transfer would go over the credit limit on your overdraft credit limit, if any.

– If a transfer system was not working properly and you knew about the breakdown when you started the transfer.

– If an act of God or circumstances beyond our control (such as fire or flood) prevent the
transfer or use of Internet Service despite reasonable precautions that we have taken.

– If incomplete or inaccurate information is forwarded to us by you or through an automated clearinghouse.

– If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount for the payee on a bill payment.

– If you have not properly followed the instructions for using the Internet Service.

– If your operating system is not properly installed or functioning properly.

– For a failure to provide access or for interruptions in access to the Internet Service due to Internet Service system failure.

NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY US OR OUR THIRD PARTY PROVIDER IN TRANSFERRING FUNDS OR PAYING A BILL OR OTHERWISE ARISING FROM OR RELATING TO THIS AGREEMENT WILL BE TO CORRECT THE ERROR. IN NO CASE WILL GREENWOODS STATE BANK BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH OR IN ANY WAY RELATED TO GSB’S ONLINE BANKING SERVICE. BY CONSENTING TO USE GSB’S ONLINE BANKING SERVICE, YOU AGREE TO WAIVE ANY AND ALL RIGHT TO ANY OF THE AFOREMENTIONED, AND YOU ACKNOWLEDGE THAT THE LIMIT OF YOUR REMEDY IS AS OTHERWISE EXPRESSLY SET FORTH HEREIN.

If any of the circumstances listed above should occur, we will assist you with reasonable efforts in taking appropriate corrective actions to reprocess the transactions that may not have been completed or to correct any incorrect transactions that may have been processed.

22. Disclaimer of Liability and Warranties and Indemnification

This service makes use of a private network, intended for authorized users only. We have confidence in the security measures we employ; however, this is not an invitation for individuals to attempt unauthorized access.

YOU AGREE TO ACCEPT COMPLETE RESPONSIBILITY FOR YOUR USE OF THE SERVICE, WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND SERVICE PROVIDERS, DISCLAIM ANY AND ALL LIABILITY, WHETHER NOW KNOWN OR OTHERWISE, WITH RESPECT TO YOUR USE, WHETHER AUTHORIZED OR UNAUTHORIZED, OF THE SERVICE AND WE FURTHER DISCLAIM ANY AND ALL WARRANTIES WITH RESPECT TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold us, our affiliates, employees and agents, harmless from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from your use of the service, your violation of any of the Agreement or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone.

23. Other Agreements

In addition to this Agreement, the Legal Disclosure and/or terms and disclosures you received at the time your accounts were opened with us remain in full force and effect. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail.

Except as required by law, we may in our sole discretion change these terms, and modify or cancel the Service, or the features we offer, at any time, without notice. This may include adding new or different terms to, or removing terms from this Agreement or Addendums to this Agreement. When changes are made, we will update this Agreement on our website at greenwoods.bank. The website will be updated on or before the effective date of any such changes to the agreement, unless an immediate change is necessary to maintain security or to prevent fraud or a legal or regulatory requirement requires immediate change, in which event this Agreement will be updated within a commercially reasonable period of time. You will be notified of changes to the Agreement which materially affect your rights. By continuing to use the Service or related services after such notice of any change, you agree to the change. Amendments will be effective upon the date indicated in the notice, if applicable.

This agreement shall be construed in accordance with and governed by the laws of the United States of America and, to the degree not preempted thereby, by the laws of the State of Wisconsin.

We may change your GSB’s Online Banking status to inactive if you do not sign on to the service or have any transaction scheduled through GSB’s Online Banking during any consecutive ninety (90) day period. If your account is considered inactive, you must contact us to have GSB’s Online Banking activated before you could use the service again.

24. Disclosure of Information

We will disclose information to third parties about your account or the transfers you make, as permitted by law, including, without limitation: where it is necessary for completing or tracing transfers or resolving errors or claims; in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution; in order to comply with court orders or other legal process; to comply with subpoenas, summonses, search warrants or requests from government agencies; to other companies affiliated with us; to others with your consent; and whenever required by law.

You agree that we may deliver our privacy notices to you by making them available on our website.

25. System Support

You understand that some support and services relating to GSB’s Online and Mobile Banking are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service.

26. Additional Provisions

We are not responsible for any electronic viruses, spyware, phishing attempts or other malicious Internet or computer activity that you may encounter. We encourage you to obtain Internet security software or hardware to combat this activity such as anti-malware, firewall, anti-spam, and intrusion prevention. You should also regularly update your security software and hardware and educate yourself on safe Internet and email practices. You agree that transmission of confidential and sensitive personal information is at your sole risk. We reserve the right to monitor and review transmissions online and in storage, and to remove or reject any material which we, at our sole discretion, believe may be unlawful or objectionable, without prior notice to you. Unauthorized use of the Service is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18, U.S. Code Sec. 1001 and 1030.

27. Termination

We may modify, suspend or terminate your privilege of using GSB’s Online and Mobile Banking and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate Internet Service, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. Any one person who can use the account accessible with Internet Service may terminate Internet Service. Termination shall not affect the rights and obligations of the parties for transactions made with the Internet Service before we have had a reasonable time to respond to your termination request. Your termination of your Internet Service will automatically terminate any pending transfers and payments.

You may cancel your GSB’s Online Banking Service by calling 920-648-2324 or writing to Greenwoods State Bank, 117 N Main Street, Lake Mills, WI 53551 or by sending an email to bank@greenwoods.bank. If you call or e-mail, we may also require you to put your request in writing. Since service cancellation requests can take up to 10 days to cancel, you should cancel all transfer orders in addition to notifying us of your desire to terminate the service. We will not be liable for transfers not cancelled or transfers made due to lack of proper notification by you of service termination for any reason. Once we terminate your GSB’s Online Banking Service any pending transfers will be terminated.

By choosing “Accept”, you are agreeing to the terms stated in Greenwoods State Bank’s Online and Mobile Deposit Agreement and Disclosure. You acknowledge that all current accounts and any and all future accounts opened at Greenwoods State Bank may be automatically available via GSB’s Online Banking. You also acknowledge receipt of Greenwoods State Bank’s Online and Mobile Banking Agreement and Disclosure whether you have printed it or simply read it.