Mobile Banking Agreement and Disclosures

Thank you for using Greenwoods State Bank Mobile Banking combined with your handheld’s text messaging capabilities. Message & Data rates may apply. For help, text “HELP” to 99588. To cancel, text “STOP” to 99588 at anytime. In case of questions please contact customer service at 920-648-2324 or visit www.greenwoods.bank

Terms and Conditions

Program: Greenwoods State Bank offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user’s banking relationship as well as providing a mobile phone number. The mobile phone number’s verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.

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 have about the program.

To stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says “STOP” to this number: 99588. You’ll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.

Our participating carriers include (but are not limited to) AT&T, Sprint PCS, T-Mobile®, U.S. Cellular®, Verizon Wireless

Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of Greenwoods State Bank or any service provider.

Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, Greenwoods State Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive 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 the Software (collectively “User Information”). Greenwoods State Bank 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. Greenwoods State Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the 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.

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 {name of Financial Institution} (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 {name of Financial Institution} or any third-party service provider involved in the provision of Mobile Banking; (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, timebombs, 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{name of Financial Institution}, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) 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: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d)otherwise abuse Mobile Banking or the Software.

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

Greenwoods State Bank’s Mobile Banking Agreement and Disclosure

This Agreement applies to your use of Greenwoods State Bank’s (GSB’s) Mobile Banking, which permits you to access your accounts with most Apple and Android mobile devices. By enrolling and participating in Mobile Banking or using the software, you agree to all of the terms and conditions contained in this Agreement and Disclosure (“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 cards with our name or logo appearing on it.

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

“Current Balance” means the account balance as of the end of the previous Business Day, plus memo posted credits and minus debits since the most recent transaction cutoff.

“Device” means a supportable mobile device including a cellular phone or other mobile device that is web-based and allows secure SSL traffic which is also capable of receiving text messages. Your wireless carrier may access you fees for data or text messaging services. Please consult your wireless plan or provider for details.

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

“Mobile Application(s)” means the Greenwoods State Bank Mobile Application(s) available on the App Store or PlayStore.

“Mobile Banking” means the banking services accessible from the Device you have registered with us for Mobile Banking.

“Mobile Deposit” means the service that allows you to transmit and deposit checks and other financial instruments through use of the Mobile Application.

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

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

“You” and “Your(s)” mean each person with authorized access to your Account(s) who applies and uses Mobile Banking.

2. Transactions

You can use 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
• Deposit checks remotely through your mobile device. Terms and conditions specifically applicable to mobile deposits are contained in #20 in this Agreement.
• Set up account alerts to be sent to your Mobile Device
• If you also sign up for our Bill Payment and your Mobile Device and Mobile Device carrier support the function, you will have the ability to pay bills from your checking or money market account to parties you have identified in our Bill Payment.

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 Mobile Banking. Account balances may differ from those in your records due to deposits, outstanding checks or other withdrawals, payments or charges in process.

Financial information obtained using Mobile Banking reflects the most recent Account information available through Mobile Banking and may not be accurate or current. You agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

3. Other Agreements

Mobile Banking is another means of accessing certain Accounts that you have with us as well as conducting certain transactions with respect to those Accounts through the use of your Mobile Device. Mobile Banking is offered as a convenience and additional service to our Online Banking. In addition to this Agreement and to which you have previously agreed with respect to Online Banking and Bill Payment of which Mobile Banking is a part, 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 Mobile Banking, 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 Mobile Banking 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.

4. Use of Mobile Banking

Mobile Banking will not work unless you use it properly. You should follow the instructions provided throughout the download process.  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 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. You are responsible for providing your own hardware and software to access Mobile Deposit.

5. Mobile Banking Availability

We will attempt to make Mobile Banking available on a continuous basis. Maintenance requirements, however, whether scheduled or emergency, may result in system unavailability from time to time. We will try to conduct scheduled maintenance during non-peak hours. Mobile Banking accessibility may also be interrupted due to conditions beyond our control, including outages in internet or cellular service. If this occurs, we will attempt to reestablish Mobile Banking as quickly as possible, but in no event will we be liable to you for interruptions in Mobile Banking due to conditions beyond our control.

6. Hardware and Software Requirements

To use Mobile Banking, you will need a compatible and supported Mobile Device, which you are responsible for providing. The Mobile Device that you use may be subject to unauthorized tracking or other manipulation due to “spyware” or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your software and hardware is at your own risk. Mobile Banking may not be available through all mobile service providers or carriers, and some mobile phones and other wireless devices may not be supported by Mobile Banking. We do not guarantee the functionality, compatibility, or availability of Mobile Banking with any Mobile Device.

GSB’S MOBILE BANKING IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. USE OF MOBILE BANKING IS AT YOUR SOLE RISK. WE DO NOT WARRANT THAT MOBILE BANKING WILL BE UNINTERRUPTED OR ERROR FREE, NOR DO WE MAKE ANY WARRANTY AS TO ANY RESULTS THAT MAY BE OBTAINED BY USE OF MOBILE BANKING, 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 MOBILE BANKING, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW.

7. Access and Password

Mobile Banking is a service provided solely for use by GSB customers. You will need a user ID and password or a fingerprint/face ID if enabled that is currently registered to your Device. We may also require you to use additional authentication methods, such as a response to a security question.  You should protect your password at all times.  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. 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.  You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

8. 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 Mobile Banking, 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.

9. Security

We are committed to the security of your account information. We require you to enter a password or a fingerprint/face ID if enabled on your Device, and depending on where you log in from, a security answer, to access Mobile Banking.  We reserve the right to take action at any time to protect Mobile Banking, our systems and information, including denying you access to Mobile Banking in whole or in part.  We will attempt to secure Mobile Banking to prevent, among other things, access by unauthorized persons and the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our best efforts the security of Mobile Banking could be compromised or malicious code could be introduced by third parties.

To help ensure the security of your data, you agree to immediately notify us of any unauthorized use of Mobile Banking or any other breach of security known to you and you shall cooperate with us in investigations and other actions taken with respect to the same.

We make no representations or warranties that Mobile Banking will be available for use in locations outside of the United States and access Mobile Banking from locations outside of the United States is at your own risk.

You agree to take every precaution to ensure the safety, security and integrity of your Account and transactions when using Mobile Banking. You agree to keep your Mobile Device and password safe, confidential and secure, not to record the password or otherwise disclose or make the password available to anyone other than authorized users of your Account(s).

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.

WHEN YOU USE MOBILE BANKING, YOU ACKNOWLEDGE AND AGREE MOBILE BANKING 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.

10. Your Responsibility

You agree that you are the legal owner or authorized user of the Account(s) and other financial information which may be accessed through Mobile Banking. You agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purposes of using Mobile Banking. You agree to not misrepresent your identity or you Account information. You agree to keep your account information up to date and accurate. You agree that you are an authorized user of the Mobile Device that you will use to access Mobile Banking.

11. Mobile Device Carrier

You acknowledge and agree that your use of Mobile Banking may also be subject to agreements that you have with third party service providers, such as your Mobile Device carrier and that the Terms and Conditions do not amend or supersede any of those agreements. You further acknowledge and agree that those agreements may contain requirements and limitations, including your responsibility for fees and charges, which may impact your use of Mobile Banking. You agree that you are solely responsible for all such fees, service charges, limitations and restrictions.

Only your Mobile Device Carrier is responsible for its products and services. You agree to resolve any problems with your Mobile Device carrier directly with that carrier without involving Greenwoods State Bank.

GSB assumes no responsibility for the operations, security, functionality, or available of any wireless device or mobile network which you utilize to access Mobile Banking.

12. Disclaimer of Liability and Warranties and Indemnification

Mobile Banking 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 MOBILE BANKING, 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 MOBILE BANKING AND WE FURTHER DISCLAIM ANY AND ALL WARRANTIES WITH RESPECT TO YOUR USE OF MOBILE BANKING, 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 Mobile Banking, your violation of any of the Terms and Conditions or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone.

13. Restrictions

You agree that Mobile Banking is for personal use only. You agree not to resell or make commercial use of Mobile Banking.

You may transfer funds through Mobile Banking in any amount, subject to funds availability.

14. Hours

GSB’s Mobile Banking is available 24 hours a day, seven days a week, subject to maintenance that we believe to be necessary.  For purposes of funds transfers, our business days are Monday through Friday excluding holidays as determined by GSB. If we receive your instruction after 6:00 pm CST Monday through Friday, we will process the transaction on 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.  We may change the cutoff time, from time to time and will notify you of such change if required by law.  GSB’s Mobile 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 Mobile Banking or your inability to access the system.

15. Our Liability for Failure to Process a Funds Transfer

We strive to make all your funds transfers according to your instructions. We will, however, not be liable if we are unable to complete any transfer initiated by you through Mobile Banking because of the existence of any one or more of the following:

·       If the funds transfer would exceed the maximum permitted funds transfer amount or your Available Balance or the amount available for your use through your line of credit taking into account your Available Balance

·       If your Account has been re-titled, closed, blocked for security reasons, or subject to legal process or other encumbrances restricting the transfer.

·       If the funds transfer program is not working properly, and you know or have been advised by us about the malfunction before you execute the transaction.

·       If circumstances beyond our control (such as, but not limited to, fire, flood, system failure, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.

·       If you have not properly followed the instructions for using Mobile Banking.

·       If your Mobile Device or operating system is not properly installed or functioning properly.

·       For errors or failures from any malfunction of your browser, Internet service provider, your Mobile Device carrier, a computer virus or other problems relating to the computer or Mobile Device you use with Mobile Banking, including, without limitation, your inability to access Mobile Banking or any part of Mobile Banking.

Provided none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your account, we shall be responsible for returning the improperly transferred funds to your Account. If we cause funds from your account to be directed to an incorrect Payee, you agree to help us recover funds directed to the incorrect payee.

NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, THE FOREGOING SHALL CONSTITUTE OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY, EXCEPT AS SPECIFICALLY PROVIDED FOR HEREIN, IN NO EVENT ASHALL WE BE LIABLE FOR AY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN CONNECTION WITH OR IN ANY WAY REALTED TO ONLINE BANKING.

16.  Your Liability

Tell us AT ONCE if you believe your Mobile Device and/or password has been lost, stolen or otherwise made available to a person that you have not authorized to access your Account, or if you believe that an electronic fund transfer from your Account has been made without your permission. Please contact us immediately by telephone or in writing.  Telephoning is the best way of keeping your possible losses down. Contact us by phone at 920-648-2324 or write to us at Greenwoods State Bank, PO Box 159, Lake Mills, WI 53551.

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 Mobile Device and/or password, you can lose no more than $50 if someone used your Mobile Device and/or 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 Mobile Device and/or password, and we can prove we could have prevented someone from using your Mobile Device and/or 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, including those made by Mobile Device, codes or other means, 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 provided 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.

17.  Error Resolution

In Case of Errors or Questions About Your Electronic Transfers contact us by phone at 920-648-2324 or write us at Greenwoods State Bank, PO Box 159, Lake Mills, WI 53551, if you think your statement or receipt is wrong or you need more information about a transfer listed on the statement or receipt. 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
• 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. We will determine whether an error occurred within ten (10) business days (5 business days if involving a Visa transaction or 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 forty-five (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 ten (10) business days (5 business days if involving a Visa transaction or 20 business days if the transfer involved a new account) 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.

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

18. Periodic Statements

Any activity on your Account conducted through Mobile Banking will appear on your periodic Account statement.

19. Modification, Suspension or Termination

We may modify, suspend or terminate your privilege of using Mobile Banking and reserve the right to refuse to make any transaction you request, at any time, without prior notice to you. In the event we terminate your Mobile Banking, 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 Mobile Banking may terminate Mobile Banking. Termination shall not affect the rights and obligations of the parties for transactions made with the Mobile Banking before we have had a reasonable time to respond to your termination request. Your termination of Mobile Banking will automatically terminate any pending transfers and payments.

We may change your Online Banking status to inactive if you do not sign on to Online Banking or Mobile Banking or have any transactions scheduled during any consecutive ninety (90) day period. If your account is considered inactive, you must contact us to have Online Banking and Mobile Banking activated before you can use either again.

You may cancel your Mobile Banking by calling 920-648-2324 or writing to Greenwoods State Bank, PO Box 159, 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 Mobile Banking.   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.

20. Mobile Deposit

Mobile Deposit allows you to make deposits of an original check to your checking, savings or money market accounts held with us. Mobile Deposit enables you to scan or capture 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. All items received through Mobile Deposit will be treated as deposits of checks under Greenwoods State Bank’s Deposit Disclosure.

A. Your Responsibility

You agree

• only Items that originated as paper Items drawn on or payable through United States financial institutions and written in United States Dollars may be deposited using Mobile Deposit;
• after you submit an Item for deposit using Mobile Deposit you will not redeposit or otherwise transfer or negotiate the original Item;
• not to deposit Items into your Account unless you have the authority to do so;
• the total amount of all deposits using Mobile Deposit will not exceed $10,000 each day;
• not to deposit any single item that exceeds $5,000;
• after you submit an Item for deposit you are solely responsible for the storage or destruction of the original Item;
• the electronic image of the Item will become the legal representation of the Item for all purposes;

B. Unacceptable Mobile Deposits

You agree that the following items will not be considered acceptable mobile deposits under the terms of this 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 Mobile Deposit, 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 in your account. Unacceptable mobile deposits include the following:

• Items payable to any person or entity other than you, the accountholder.
• 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 – A non-negotiable item is any item stamped with a “non-negotiable” watermark.
• Altered Checks – An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, ) to information on the face of the check, where the customer knows, suspects or should know or suspect that the check is fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. 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 or in foreign currency. Please remit all foreign checks or foreign currency 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.
• Restrictive Legends and Stale Dated Checks – Certain checks contain instructions such as: “Void 90 days after issue date” or “Must be cashed within six months of issue ” 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.
• No third party of electronic checks may be Mobile Deposited.
• No cash, savings bonds, travelers checks, checks payable to cash, image replacement documents or remotely created checks may be deposited through Mobile Deposit.
• Checks that are prohibited by our current procedures relating to the mobile deposit service or which are otherwise not acceptable under the terms of your checking, savings or money market account.

C. Endorsement

You agree to properly endorse all items captured and submitted using mobile deposit by signing your name and writing “For Mobile Deposit Only” on the back of the check.

D. Image Quality and Duplicate Deposit

The image of an item transmitted using mobile deposit must be legible and clear. It must capture all pertinent information from both sides of the item, including all endorsements. 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. Returned Checks

If electronic checks that are deposited into your account using Mobile Deposit are dishonored, rejected or otherwise returned unpaid, you understand and agree that an original check will not be returned to you but that we may charge back the amount of the original check and provide you wish an image of the original check, also known as a Substitute Check. Unless otherwise instructed by us, you shall not attempt to deposit or otherwise negotiate an original check that has been imaged if it has been charged back to you.

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 owner or authorized user of the account that results in the reversal of a deposit on the account.

F. Processing Time and Availability of Funds

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 deposited through Mobile Deposit will be made available to you pursuant to our Funds Availability Policy.  GSB reserves the right to refuse to accept any deposit received.

G. Disposal of Transmitted Items

You agree to safeguard and keep the original Item for 14 Business Days after you have transmitted the Item. After 14 Business Days following the deposit using Mobile Deposit, if you have verified that the funds have been credited to your Account, you agree to mark the item as “VOID” and properly dispose of it to ensure that it is not presented for deposit again. You are responsibility if an original Item is misused following submission to Mobile Deposit and its full destruction.

H. Minimum Hardware and Software Requirements

In order to use Mobile Deposit, you must obtain and maintain, at your expense, compatible hardware and software as specified by us, including an Internet enabled mobile device as specified by us.  Not all Mobile Banking services are available on all types of Mobile Devices. We reserve the right to modify the scope of Mobile Banking at any time. You agree and understand that Mobile Banking may not be accessible or may have limited utility over some mobile networks.

I. Use of Services

Mobile Deposit is provided for your convenience and does not replace your monthly account statement, which is the official record of your account. Mobile Deposit may be delayed, interrupted or otherwise negatively impacted by factors relating to your mobile device, your Internet service provider, wireless provider or other parties, or due to other reasons outside of our control. GSB will not be liable for any such delays, interruptions or negative impacts to Mobile Deposit and you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. 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.

J. Eligibility, Termination and Changes

You will be automatically enrolled to use Mobile Deposit once you enroll in Mobile Banking. GSB reserves the right to suspend or terminate 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 Mobile Banking Agreement and Disclosure, or any other applicable GSB Agreements and Disclosures. We reserve the right to change the Mobile Deposit service at any time.

K. Mobile Deposit Errors

If you think you have made an error during a mobile deposit or you have a question about your mobile deposit, you may email us at bank@greenwoods.bank or call us at 920-648-2324.

Touch ID™ for Mobile Banking.

Touch ID is an optional fingerprint sign-in method for Greenwoods State Bank Mobile Banking that is currently available for most Apple® devices that have a fingerprint scanner. To use Touch ID, you will need to save your fingerprint by going to “Settings > Touch ID & Passcode” on your Apple device to complete the setup (for more help with fingerprint scanning, contact Apple support at apple.com/support). Fingerprints are stored on your device only and Greenwoods State Bank never sees or stores your fingerprint information. You acknowledge that by enabling Touch ID, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Greenwoods State Bank Mobile Banking. Greenwoods State Bank reserves the right to suspend or disable this feature at any time. Touch ID can only be associated with one Mobile Banking username at a time on a device. If your device doesn’t recognize your fingerprint, you can sign in using your password. To use Touch ID for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable Touch ID anytime from the Services menu within Greenwoods State Bank Mobile Banking.

Apple and Touch ID are trademarks of Apple Inc. Currently, fingerprint sign-in for Greenwoods State Bank Mobile Banking is only available on compatible iOS devices.

Card Controls Additional Terms. 

The following supplemental Terms of Use (“Supplement”) applies to the card controls feature (“Card Controls”) within the Mobile Banking mobile application (“Mobile Banking App”), notwithstanding anything in the Agreement to the contrary. The Supplement only applies to Card Controls. If Card Controls are not available to you, then this Supplement does not apply. To the extent there is any conflict between the terms of the Agreement and this Supplement with respect to Card Controls, then the terms in this Supplement shall apply.

1. The Card Controls feature is only available for debit cards issued by Greenwoods State Bank that you register within the Mobile Banking App.
2. The Card Controls alerts and controls you set through use of the Mobile Banking App may continue to apply, even if you delete the Mobile Banking App or remove it from your mobile device. Please contact Greenwoods State Bank to discontinue the alerts and controls.
3. Certain Card Control functionality within the Mobile Banking App may not be available for all transactions. Controls and alerts based on the location of the mobile device where the Mobile Banking App is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the actual location of the merchant differs from the merchant’s registered address.
4. Card Controls may enable access to Greenwoods State Bank and third parties’ services and web sites, including GPS locator websites, such as Google’s. Use of such services may require Internet access and that you accept additional terms and conditions applicable thereto.
5. To the extent this Mobile Banking App allows you to access third party services, Greenwoods State Bank, and those third parties, as applicable, reserve the right to change, suspend, remove, or disable access to any of those services at any time without notice. In no event will we be liable for the removal of or disabling of access to any such services. We may also impose limits on the use of or access to certain services, in any case and without notice or liability.
6. THE MOBILE BANKING APP, THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE MOBILE BANKING APP OR THE SERVICES MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU TO THE EXTENT THEY ARE PROHIBITED BY STATE LAW.
7. Limitation of Liability. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE MOBILE BANKING APP AND THE SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE MOBILE BANKING APP, OR THE SERVICES, OR THE WEBSITES THROUGH WHICH THE MOBILE BANKING APP OR THE SERVICE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO THE MOBILE BANKING APP, THE SERVICES OR THE WEBSITE THROUGH WHICH THE APP OR THE SERVICES IS OFFERED, THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
8. Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State in which you reside, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.

Greenwoods State Bank Alerts Terms and Conditions

The following Alerts terms and conditions (“Alerts Terms of Use”) only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply.

Alerts. Your enrollment in Greenwoods State Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Greenwoods State Bank account(s). Alerts are provided within the following categories:

• Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
• Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
• Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the More menu within Greenwoods State Bank Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Greenwoods State Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message; (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Greenwoods State Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop Alerts via text message, text “STOP” to 99588 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Greenwoods State Bank Online Banking and click the box next to your mobile number for the Alerts you’d like to receive again. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 920-648-2324. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Greenwoods State Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Greenwoods State Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Greenwoods State Bank, its directors, officers, employees, agents and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

https://www.greenwoods.bank/footer/privacy-policy/

Privacy and User Information – Data Analytics. You acknowledge that in connection with your use of Mobile Banking, Greenwoods State Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive data about your usage of the service (such as session length, number of transactions and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software. Greenwoods State Bank 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, perform analytics to improve the service, 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.

Fingerprint Login for Mobile Banking

Fingerprint Login is an optional fingerprint sign-in method for Greenwoods State Bank Mobile Banking that may be available for certain Android® mobile devices that have a built-in fingerprint scanner. To use Fingerprint Login, you will need to first save your fingerprint on your mobile device (for more help with fingerprint scanning, contact the manufacturer that supports your mobile device). Fingerprints are stored on your device only and Greenwoods State Bank never sees or stores your fingerprint information. You acknowledge that by enabling Fingerprint Login, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Greenwoods State Bank Mobile Banking. Greenwoods State Bank reserves the right to suspend or disable this feature at any time. Fingerprint Login can only be associated with one Mobile Banking username at a time on a device. If your device does not recognize your fingerprint, you can sign in using your standard login credentials (e.g. password). To use Fingerprint Login for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable Fingerprint Login anytime within Greenwoods State Bank Mobile Banking.

Android is a trademark of Google Inc.