Deposit limitations - There is not minimum deposit required to open the account. You may make an unlimed number of deposits into your account.

Additional Terms - The following additional terms apply to this account:

· Unlimited checkwriting

Please notify us immediately if any checks are lost or stolen.
The charge for a stop payment order is $25.00. Your stop payment is good for 6 months. Your stop payment request must be signed within 14 days from the date the request was made.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdrawn/NSF charge per item will be assessed with a daily maximum of $104.

*If the same check, transfer request or withdrawal request is presented to us more than one time, a fee may be assessed another time the same check, transfer request or withdrawal request is returned unpaid.

A consecutive overdraft charge of $6.00 (after 5 consecutive business days overdrawn). Fee continues every conseuctive business day the account is overdrawn.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

*In compliance with Truth In Savings Regulations

Rate Information -  At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded monthly.

 

Crediting Frequency - Interest will be credited into this account monthly.

 

Daily Balance Computation Method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Minimum Balance - $175.00 minimum balance to open account. There is a $5.00 service charge if your balance falls below the $175.00 minimum balance any day of the month. Also, you will be charged $0.15 service charge debit/charge for each debit if your balance falls below the $175.00 minimum balance any day of the statement cycle.

 

Deposit Limitations - You may make an unlimited number of deposits into your account.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdraft/NSF charge per item will be assessed with a daily maximum of $104.00.

*If the same check, transfer request or withdrawal request is presented to us more than one time, a fee may be assessed another time the same check, transfer request or withdrawal request is returned unpaid.

A consecutive Overdraft charge of $6.00 (after 5 consecutive days overdrawn). Fees continues every consecutive business day the account is overdrawn.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

* In compliance with Truth In Savings Regulations

Rate Information -  A tiered method will be used to calculate the interest rate.  At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded monthly.

 

Crediting Frequecy - Interest will be credited into this account monthly.

 

Daily Balance Computation Method - We use the average daily balance method to calculate the interest on your account.  The average daily balance method applies a periodic rate to the average daily balance in the account for the statement period.  The average daily balance is calculated by adding the principal in the account for each day of the statement period and dividing that figure by the number of days in the statement period.

 

Minimum Balance- $1,000.00 minimum balance to open account. There is a $5.00 service charge if your balance falls below the $1,000.00 minimum balance any day of the statement cycle.

 

Deposit Limitations - You may make an unlimited number of deposits into your account.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdraft/NSF charge per item will be assessed with a daily maximum of $104.00.

*If the same check, transfer request or withdrawal request is presented to us more than one time, a fee may be assessed another time the same check, transfer request or withdrawal request is returned unpaid.

Deposits after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

* In compliance with Truth In Savings Regulations

Rate Information - At our discretion, we may change the interest rate for this account.  The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded quarterly.

 

Crediting Frequency - Interest will be credited into this account quarterly.

 

Daily Balance Computation Method - Interest is calculated by the average daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Minimum balance - $90.00 minimum balance to open and to avoid fees. $1.00 will be imposed every month if the average daily balance for the month falls below $90.00.

 

Deposit limitations - You may make an unlimited number of deposits into your account.

Additional Terms - The following additional terms apply to this account:

· Trust accounts and those belonging to minors under the age of eighteen are exempt from charges.

Frequent overdrafts will result in a savings account being closed.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

* In compliance with Truth In Savings Regulations

Rate Information - At our discretion, we may change the interest rate for this account.

The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded daily.

 

Crediting Frequency - Interest will be credited into this account when the check is issued in October.

 

Daily Balance Computation Method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Deposit Limitations - You may make an unlimited number of deposits into your account.

 

Additional Terms - The following additional terms apply to this account:

· No withdrawals are allowed on this account.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

* In compliance with Truth In Savings Regulations

Rate information - The interest rate along with the annual percentage yield will vary depending on the term you choose. You will be paid the rate until the maturity.

 

Compounding frequency - Interest will be compounded quarterly unless withdrawn or credited out of this account.

 

Crediting frequency - No withdrawals of interest are required. Our general policy is to credit interest into this account quarterly, but you may choose to have the interest credited quarterly into an account of yours.

 

Early withdrawals - If you withdraw any principal before maturity date, a penalty equal to 3 months interest will be applied to any certificate with an original maturity of one year or less. If you withdraw any principal before maturity date, a penalty equal to 6 months interest will be applied to any certificate with an original maturity of more than one year.

 

Withdrawal of interest prior to maturity - The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.

 

Automatically renewable account - Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any).

 

Final maturity - If your account is not renewed, the funds in your account will be placed in an interest-bearing account.

 

Daily balance computation method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

 

Deposit limitations - After the account is opened, you may not make any deposits.

 

Withdrawal limitations - You may not make withdrawals of principal from your account before maturity. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term after it is credited to your account.

 

* In compliance with Truth In Savings Regulations

Credit offset - This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.

The earnings credit will be set at 3 points below the Prime Rate. At any time and at our discretion, the periodic earnings credit rate may change.

You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.

Earnings credit begins to accrue on the business day you deposit noncash items (for example, checks).

 

Deposit limitations - You may make an unlimited number of deposits into your account.

 

Fees & Charges - The following fees and charges apply to this account:

· $5.00 service charge per month

· $0.17 for every check/debit on your statement

· $0.07 for checks deposited into your account

· $3.00 per check service charge for checks returned by another bank The combined total of the three fees shown above will be assessed as "Service Charge" on your monthly statement.

Please balance your statement within 10 days of receiving it. In the event of an error bring it to our attention immediately by contacting our Operations Department.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

An overdraft fee applies to overdrafts created by check, in-person withdrawal, or other electronic means.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdraft/NSF charge per item may be assessed with a daily maximum of $104.00.

*If the same check, transfer request or withdrawal request is presented to us more than one time, a fee may be assessed another time the same check, transfer request or withdrawal request is returned unpaid.

Frequent overdrafts will result in a checking account being closed.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

 

* In compliance with Truth In Savings Regulations

ELECTRONIC SERVICES AGREEMENT FOR RIVER FALLS STATE BANK

This Agreement describes your rights and obligations as a user of the Online Banking Service, Mobile Banking and Mobile Deposits, External Funds Transfer, Bill Payment Agreement and Legal Disclosures. Please read this Agreement carefully. By enrolling, you agree to comply with the terms and conditions of this agreement.

Electronic Signature Terms and Consent. By clicking the "I Agree" or "Accept" button below, you consent:

• To the electronic delivery and receipt of information relating to your account(s) with us that you access using Online and Mobile Banking, including the following ("Legal Disclosures"):
  • The Online Banking and Bill Payment Agreement, Mobile Banking Agreement or other agreements related to Online Banking and Mobile Banking, and amendments to such agreements (collectively, the "Online Banking Agreements").
  • Privacy disclosures, including the annual privacy notice, notices, reports, documents and any other communications and disclosures that we provide, including disclosures we 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 your account relationships with us.
• That you can electronically access the Online Banking Agreements, and are satisfied that you meet the hardware and software requirements listed below.
• That you agree to all the terms of the Online Banking Agreement(s) applicable to this Consent.
• That you are authorized to consent to all these matters on behalf of all the persons with access to your accounts.

We reserve the right to furnish to you, and the right to require you to furnish to us, writings or paper copies of information, communications, and/or Legal Disclosures relating to Online and Mobile Banking, in lieu of or in addition to electronic records at any time at our discretion.

Right of Consumers to Decline and/or Withdraw Consent for Electronic Disclosures. You may choose not to consent. If you do not consent by clicking on the "I Agree" or "Accept" button below, or if you click the "Cancel" or "Reject" button below, you are indicating that you do not consent. If you do not consent, you will not be permitted to enroll in Online or Mobile Banking via the Internet or our Mobile Banking application.

Withdrawing Consent and Receiving Paper Copies. You have the right to withdraw your consent to receive Legal Disclosures electronically at any time. If you withdraw your consent to receive electronic Legal Disclosures, then we may terminate your right to use Online and/or Mobile Banking. You may also request and receive a paper copy of the Legal Disclosures in addition to electronic Legal Disclosures. You will not be required to pay a fee for your request of 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 (that is, to your e-mail address for receiving Legal Disclosures), please contact us as follows:

• By calling us at (715) 425-6782 or (866) 737-2669
• By writing us at:
  River Falls State Bank
  124 S 2nd St
  PO Box 89
  River Falls WI 54022
• By sending us a secure message through Online Banking
• By informing us in person

Changing your E-mail Address: Location and Delivery of Disclosures. We may make electronic Legal Disclosures and other electronic services information available to you by posting them on our website, by including them in a statement, or by transmitting them to you at the e-mail address you have provided to us for that purpose. You must promptly notify us if your e-mail address changes. To change your e-mail address for receiving electronic Legal Disclosures, you must either update it in Online Banking within the My Settings tab or by contacting us at the telephone number or mailing address printed above.

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, including your account disclosures, except for your account statements. To receive electronic delivery of your account statements, you must register for e-statements after you have successfully logged on to Online Banking.

Shared Access Agreement

Granting Access to Other People (Shared Access)
As the authenticated primary user of online banking, you have the ability to entitle another person or persons (subusers) with access to your online banking site and with certain authorities with respect to your accounts. Shared Access include view-only access, making transfers between designated accounts and initiating payments from designated accounts, granted individually or in combination. You have sole authority and control in sharing access with, managing and disabling subusers and/or their respective authority. You authorize us to act on transaction instructions initiated under the credentials of an authenticated subuser, just as if it was initiated under your credentials. When granting Shared Access, you assume total liability for any and all activities of a subuser with respect to your accounts, and you agree to hold us harmless in any claim you make against a subuser for breach of your agreement with said subuser pursuant to Shared Access.

Mobile Banking Agreement

This Mobile Banking Services Agreement (the "Agreement") contains the terms and conditions for the use of the Mobile Banking Service (the "Service") and any related Software ("Software") that River Falls State Bank (hereafter referred to as "Bank", "our," "us," or "we") may provide to you ("you," "your" or "User") combined with your handheld's text messaging capabilities.

By participating in the Services or using the Software, you are agreeing to the following terms and conditions within this Agreement, in addition to any terms and conditions to which you have previously agreed with respect to the underlying electronic banking and bill pay services of which the Service is a part, as well as related fee schedules and disclosures that govern the terms, conditions and fees of your deposit account(s) with us, each as may be amended from time to time (such deposit account agreements, fee schedules and related disclosures being referred to hereinafter individually as an "Account Agreement" and collectively as the "Account Agreements"). The Bank may periodically introduce new mobile banking services. By using the new service(s) when they become available, you agree to be bound by the terms and conditions concerning these services. The terms and conditions of your Account Agreement are incorporated by reference and made a part of this Agreement. In the event of a conflict between the terms of this Agreement and your Account Agreement the terms of this Agreement shall control as it regards the provision of the Service.

Terms and Conditions:

Program. Service is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Service is a personal financial information management service that allows you to:

• Access Bank account information, such as balances and recent transaction history
• Transfer funds between your accounts at the Bank
• Set up optional account alerts to be delivered either to your mobile phone using Short Message Service ("SMS") and/or via e-mail
• Make payments to merchants and individuals who have previously consented to accept payments through our online bill pay service
• Make other banking transactions using compatible and supported mobile phones and/or other compatible and supported wireless

Enrollment requires identification of the user's banking relationship with Bank 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.

Mobile deposit and External Transfer services are included in a supplement to this Agreement titled Mobile Deposit Services Agreement.

Changes to Agreement and Service. Bank in its discretion may modify this Agreement and terms and conditions, as well as Service, at any time with or without notice.

Cancel Service. You may cancel your participation in Service by calling us at 715-425-6782. We reserve the right to cancel Service at any time without notice. We may also suspend your access to Service at any time without notice and for any reason, including but not limited to, your non-use of Service. You agree that we will not be held liable to you or any third party for any modification or discontinuance of Service.

Charges for the Service. We do not currently charge for Service; however, all other fees associated with your accounts apply. Standard message and data rates may apply. Check with your specific mobile phone service provider for more information on fees.

We will advise you of any fees or fee changes prior to implementing them. In the future, we may add or enhance the features of Service. By using such added or enhanced features, you agree to pay for them in accordance with our Service and Fee Schedule. You authorize us to automatically charge your account for all such fees incurred in connection with Service.

Availability and Use. You must use a compatible and supported mobile device or phone. The Services and/or Software may not be available at any time for any reason outside of the reasonable control of Bank or any service provider. You confirm that the mobile device number(s) provided to the Bank is/are owned by you or is/are under your control and that any communication from and to the said device(s) is and shall be with your knowledge and consent. You agree to inform the Bank within two business days of any change in the mobile device number(s), loss or theft of your mobile device(s), the mobile device(s) being outside of your control and/or any other change that may affect the provision of Services to you. We reserve the right to refuse to make any transactions you request through Service.

Equipment and Software. You are responsible for understanding the operation and maintenance of your mobile phone. Bank is not responsible for any errors or problems related to your mobile phone, service provider or mobile internet access. Nor are we responsible for any fees assessed by your mobile phone provider, internet service provider or any other outside party. We are not responsible for errors, delays or your inability to access the service caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the services nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

Privacy and User Information. You acknowledge that in connection with your use of the Services, Bank 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 the Services or Software (collectively "User Information"). The 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 the Services 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. The Bank and its affiliates and service providers also reserve the right to monitor use of the Services 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.

Restrictions on Use. You agree not to use the Services and 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 the Services and 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 Bank (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 Bank or any third-party service provider involved in the provision of the Services; 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 Bank, any third-party service provider involved in providing the Services, 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 are responsible or liable for any indirect, incidental, special or consequential damages that may result from harmful components (e.g. viruses, worms, Trojan horses, or other similar harmful components) being presented on the mobile device, as well as sensitive information accessed via our Service that is intercepted by a third party due to any harmful component residing or being contracted by the mobile device at any point or from any source.

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 the Services or Software, the security of the Services or Software, or other customers of the Services or Software, or otherwise abuse the Services or Software.

River Falls State Bank Member FDIC.

Mobile Deposit Service Addendum

This Mobile Deposit Service Addendum (the "Addendum") contains the terms and conditions for the use of the Mobile Deposit Service ("Mobile Deposit") that River Falls State Bank (hereafter referred to as "Bank", "our," "us," or "we") may provide to you ("you," "your" or "User"). This Addendum supplements the terms of other agreements you have entered into with the Bank, including the Online Banking agreement, Mobile Banking Services agreement and related fee schedules and disclosures that govern the terms, conditions and fees of your deposit account(s) with us, each as may be amended from time to time (such deposit account agreements, fee schedules and related disclosures being referred to hereinafter individually as an "Account Agreement" and collectively as the "Account Agreements"). The terms and conditions of your Account Agreement are incorporated by reference and made a part of this Addendum. In the event of a conflict between the terms of this Addendum and your Account Agreement the terms of this Addendum shall control as it regards the provision of Mobile Deposit.

1. Service. Mobile Deposit allows you to use a compatible camera-enabled mobile phone or device ("Mobile Device") to scan original checks or other deposit items that meet our required standards ("Checks") and electronically transmit images of the Checks and associated deposit information to the Bank for deposit to your designated account(s). Mobile Deposit converts your scanned Checks into substitute checks, in accordance with the Check Clearing for the 21st Century Act ("Check 21 Act") and Funds Availability Act ("Regulation CC"), to facilitate the deposit and collection of such Checks. You agree that the Bank shall determine in its sole discretion the manner in which Checks are cleared or presented for payment, including without limitation, by substitute check, Automated Clearing House ("ACH"), or image exchange.

2. Acceptance of these Terms. Your use of Mobile Deposit constitutes your acceptance of Mobile Deposit. We will notify you of any material change via e-mail, mail, text message, or on our website(s) by providing a link to the revised Addendum or by an online secure message. We reserve the right, in our sole discretion, to add services, eliminate services, or otherwise modify the terms or features of any service. Any change will begin to apply upon the effective date of the change, and will apply only to your future use of Mobile Deposit. Your acceptance of the revised terms and conditions along with the continued use of Mobile Deposit will indicate your acceptance of any such changes to Mobile Deposit.

3. Limitations of Mobile Deposit. When using Mobile Deposit, you may experience technical or other difficulties. We will attempt to post alerts on our website or send you a text message to notify you of these interruptions in Mobile Deposit. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Mobile Deposit has qualification requirements, and Bank reserves the right to change the qualifications at any time without notice. We reserve the right to change, suspend or discontinue Mobile Deposit, in whole or in part, or to terminate your use of Mobile Deposit, in whole or in part, immediately and at any time without notice to you.

4. Hardware and Software. In order to use Mobile Deposit, you must obtain and maintain, at your expense, compatible hardware and software. We are not responsible for any third-party software you may need to use Mobile Deposit. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third-party software provider at time of download and installation.

5. Eligible items. You agree to deposit only "checks" as defined in the Federal Reserve Regulation CC ("Reg. CC"). When the image of the check is transmitted to River Falls State Bank, it is converted to an Image Replacement Document for subsequent presentment and collection; it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

6. Ineligible Items. You agree that you will not deposit any of the following types of checks or other items which shall be considered ineligible items:

   • Checks payable to any person or entity other than the person or entity that owns the account the check is being deposited into
   • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
   • Checks payable to non-accountholder or entity
   • Checks that are altered, suspicious or fraudulent
   • Checks payable jointly, unless deposited into an account in the name of all payees
   • Checks previously converted to a substitute check, as defined in Regulation CC
   • Checks drawn on a financial institution located outside the United States
   • Checks that are remotely created checks, as defined in Regulation CC
   • Checks not payable in United States currency
   • Checks dated more than six (6) months prior to the date of deposit
   • Checks or items prohibited by the Bank's current procedures relating to Mobile Deposit or which are otherwise not acceptable under the terms of your Bank account.
   • Checks payable on sight or payable through Drafts, as defined in Regulation CC
   • Checks with any endorsement on the back other than that specified in this agreement
   • Checks that have previously been submitted through Mobile Deposit or through a remote deposit capture service offered at any other financial institution

7. Endorsement. You agree to restrictively endorse any item transmitted through Mobile Deposit with your signature, your account number, and "For Mobile Deposit Only" or as we otherwise instruct you. River Falls State Bank reserves the right to reject all items that are not endorsed as specified. You agree to follow any and all other procedures and instructions for use of Mobile Deposit as River Falls State Bank may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.

8. Check Requirements; Image Quality. The image of an item transmitted to River Falls State Bank using Mobile Deposit must be legible, as determined in the sole discretion of River Falls State Bank, and contain images of the front and back of the check. The image quality of the items must comply with the requirements established from time to time by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association. These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the check image:

   • The amount of the check (both written and numeric)
   • The payee of the check
   • The signature of the drawer (maker)
   • The date of the check
   • The check number
   • The information identifying the drawer and the paying financial institution that is preprinted on the check including the magnetic ink character recognition ("MICR") line
   • All other information placed on the check prior to the time of an image of the check is captured (such as any required identification written on the front of the check and any endorsements applied to the back of the check)

   You shall ensure that all the following information is captured on the MICR line of each check:

   • The American Bankers Association routing transit number ("RTN")
   • The number of the account on which the check is drawn
   • When encoded, the amount of the check
   • When encoded, the serial number and the process control field of the check

9. Receipt of Items The River Falls State Bank reserves the right to reject any item transmitted through Mobile Deposit, at the Bank's discretion, without liability to you. River Falls State Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from River Falls State Bank that the Bank has received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. River Falls State Bank further reserves the right to charge back to your account at any time, any item that the Bank subsequently determines was not an eligible item. You agree that the River Falls State Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

10. Availability of Funds. You agree that items transmitted using Mobile Deposit are not subject to the funds availability requirements of Regulation CC. If an image of an item you transmit through the Mobile Deposit is received and accepted before 3:00 PM Central Standard Time ("CST") on a business day that is not a federal holiday, we consider that day to be the day of your deposit. Deposits submitted on weekends, federal holidays, and Monday through Friday after 3:00 PM Central Standard Time are generally processed the following business day. Funds deposited using Mobile Deposit will generally be made available one to three Business Days after the day of deposit, although there may be delays in the availability of the funds and we are not responsible for any loss, costs or fees that you may incur as a result of any such delay. We may make such funds available sooner based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as we, in our sole discretion, deem relevant.

11. Retention and Disposal of Items. After you receive confirmation that we have received an image of a check, you must securely store the original check for 10 business days after transmission to us (the "Retention Period") and make the original check accessible to us at our request. You agree to notify us IMMEDIATELY by calling us at (715) 425-6782 or (866) 737-2669 or with written notice to River Falls State Bank, 124 S 2nd St, PO Box 89, River Falls WI 54022, if you learn of any loss or theft of any check. Promptly after the Retention Period expires, if you have verified that the funds have been credited to your deposit account, you agree to destroy the original check by first marking it "VOID" and then destroying it. After destruction of the original check, the image will be the sole evidence of the original check. You agree that you will never represent the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.

12. Deposit Limits. For security reasons, we reserve the right to establish and assign to you deposit limits for Mobile Deposit (including limits on the dollar amount and/or number of checks you may transmit through your Mobile Device each day or in any other period) and to modify such limits from time to time at our sole discretion, and you agree to comply with all such limits. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. The current daily deposit limit is $1,000 per Business Day. We may establish different deposit limits for account holders based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as we, in our sole discretion, deem relevant.

13. Authentication Method. You are liable for all transactions made or authorized with the use of your Access ID and password ("Authentication Method"). We have no responsibility for establishing the identity of any person who uses your Authentication Method. By accessing Mobile Deposit with your Authentication Method, you authorize us to complete the requested transaction(s) through Mobile Deposit. Any request or instructions we receive from you through Mobile Deposit using your Authentication Method shall be considered "in writing" under all applicable law and shall have the same force and legal effect as writing signed by you. This includes, but is not limited to, inquires, deposit transactions, checks deposited, check images, changes to accounts or services or any other communication you provide to us through Mobile Deposit, Mobile Banking or Online Banking using your Authentication Method.

14. Duty to Report Errors. We will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access our Online Banking or Mobile Banking services for information about your deposits, return items, deposit adjustments, checks and other transactions on your account. You agree that it is your responsibility to review all such information that we make available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by us and are accurate. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit no later than 60 days after the account statement is sent to you. Any failure by you to notify us of any error, omission or other discrepancy within 60 days in accordance with this Agreement and your deposit account agreement shall relieve us of any liability for such error, omission or discrepancy.

15. Errors in Transmission. By using Mobile Deposit, you accept the risk that an item may be intercepted or misdirected during transmission. You understand that access to Mobile Deposit will not be free from delays, malfunctions, or other inconveniences generally associated with the Internet. You agree that we are not responsible for any such unauthorized access, delays, or malfunctions, and we are not responsible for the acts of third parties or for any delay or interruption in Mobile Deposit beyond our control. We bear no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors or other problems during transmission of the images.

16. Risk Management. You shall be responsible for protecting against unauthorized access to Mobile Deposit information and data in accordance with applicable law, which includes, but is not limited to the following:

    • Maintaining mobile access device with recommended identification codes, settings, software and parameter updates provided by the Bank and/or your mobile access device vendor
    • Changing passwords periodically or when requested by the River Falls State Bank
    • Using virus and malware detection software approved by your mobile access device vendor as available
    • Avoiding the use of operating system or access device features that "remember" pass codes or account information
    • Permanently destroying or erasing all memory components, hard drives and all electronic media used with Mobile Deposit that have become obsolete, unusable or which are defective
    • Destroying or storing replaced memory cards in a secure environment before activating new access devices
    • Notifying the Bank within two (2) business days of lost or stolen mobile device
    • Notifying us immediately of any breach of access device or any unauthorized access to confidential information
    • Notifying us before making any oral or written statements that may be published by newspaper, radio, television, or Internet
17. User Warranties and Indemnification. You warrant to the River Falls State Bank that:
    • You will only transmit eligible items
    • You will not transmit duplicate items
    • You will not re-deposit or re-present the original item
    • All information you provide to the River Falls State Bank is accurate and true
    • You will comply with this Addendum and all applicable rules, laws and regulations
    • You are not aware of any factor which may impair the collectability of the item

    You agree to indemnify and hold harmless the River Falls State Bank from any loss for breach of this warranty provision.

18. Fee for Mobile Deposit. Currently, the Bank does not charge a fee for the Mobile Deposit. However, the River Falls State Bank reserves the right to charge a fee at any time in the future. You agree that the Bank can charge and collect a fee for Mobile Deposit if we provide you with written notice at least thirty (30) calendar days before charging the fee. You also agree that the Bank can change any established fee for Mobile Deposit if we provide you with written notice at least thirty (30) calendar days before implementing the fee change. You also understand and agree that you are responsible for any wireless service provider charges and any and all other fees and charges that you may incur by accessing and using Mobile Deposit.

19. Termination. We may change, suspend, or terminate your use of Mobile Deposit, in whole or in part, at any time without notice to you. Even after we terminate your use of Mobile Deposit, your indemnification of us and our Disclaimer of Warranties and Limitations of Liability will continue to apply and will be in full force and effect.

20. Cooperation with Investigations. You agree to cooperate with the Bank in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through Mobile Deposit in your possession and your records relating to such items and transmissions.

21. Enforceability. The Bank may waive enforcement of any provision of this Addendum. No waiver of a breach of this Addendum shall constitute a waiver of any prior or subsequent breach of the Addendum. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Addendum. In the event that any provision of this Addendum shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Addendum shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.

22. Ownership & License. You agree that the Bank retains all ownership and proprietary rights in Mobile Deposit, associated content, technology, and website(s). Your use of Mobile Deposit is subject to and conditioned upon your complete compliance with this Addendum. Without limiting the effect of the foregoing, any breach of this Addendum immediately terminates your right to use Mobile Deposit. Without limiting the restriction of the foregoing, you may not use Mobile Deposit (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to Bank's business interest, or (iii) to Bank's actual or potential economic disadvantage in any aspect. You may use Mobile Deposit only for non-business, personal use in accordance with this Addendum. You may not copy, reproduce, distribute, or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide Mobile Deposit.

23. DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF MOBILE DEPOSIT AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. BANK DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO THE USE OF MOBILE DEPOSIT, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. BANK MAKES NO WARRANTY THAT MOBILE DEPOSIT (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM MOBILE DEPOSIT WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN MOBILE DEPOSIT OR TECHNOLOGY WILL BE CORRECTED.

24. LIMITATION OF LIABILITY. YOU AGREE THAT BANK WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE MOBILE DEPOSIT INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF MOBILE DEPOSIT, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF BANK HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.

River Falls State Bank Member FDIC.

External Funds Transfer Agreement

Welcome to Online Money Movement! - The next generation of on-line personal finance management. With our fully interactive on-line money movement service (the "Online Money Movement Service" referred to in this agreement as the "Service", External Funds Transfer), you may transfer funds between your linked personal savings accounts at River Falls State Bank and certain deposit or investment accounts (checking, savings, or money market accounts) at other financial institutions - referred to in this agreement as "Accounts" - assuming, of course, that the transfer is permitted by the financial institution and by law.

Please take a few minutes to read this Online Money Movement Service Agreement (referred to throughout as the "Agreement"). Any reference to River Falls State Bank in this Agreement includes any directors, officers, employees, contractors, service providers, agents or licensees of River Falls State Bank. As used in this Agreement, the words "you" and "your" refer to you as the user of the Service; the words "we," "us," "our" and any other variation thereof refer to River Falls State Bank. When you're ready, click the "I Agree to accept these terms and conditions" button to start enjoying the convenience and financial security of Online Money Movement!

Acceptance of Terms. This Agreement sets out the terms and conditions (the "Terms") on which our service provider and River Falls State Bank will provide and you may use the Service and forms part of a legally binding agreement between you and River Falls State Bank. When you click on the "I Agree to accept the terms and conditions" button, you will complete an application to receive the Online Money Movement Service, and you agree to accept the Terms, including any amendments to this Agreement or any changes in the Terms. Your application may be accepted or declined by our service provider and/or River Falls State Bank based on specific criteria. If you do not agree to all the Terms, do not accept the Terms & Conditions. If you do not accept and agree to all the Terms, you will not be entitled to use the Service. River Falls State Bank reserves the right to change the Terms under which the Service is offered in its sole discretion at any time; however, River Falls State Bank will notify you of any material change to the Terms. In most cases, you will receive the notice on-line the next time you log in; however, River Falls State Bank reserves the right to notify you by e-mail or by conventional mail, in its discretion. You agree that if you continue to use the Service after we notify you of any change, you thereby accept the changes to the Terms and agree to be bound by this Agreement, as amended. If you do not accept and agree to the changes to the Terms, you will not be entitled to use the Service. You can review, download, and print the most current version of this Agreement by consulting with your River Falls State Bank. If you do not agree to the changes, or if at any time you wish to discontinue your use of the Service, you can unsubscribe by contacting River Falls State Bank. Once your account with us has terminated for any reason, you will have no further right or access to use the Online Money Movement Service. To use the Online Money Movement Service, you must be at least eighteen (18) years old and be a legal resident of the United States.

Information Authorization. You authorize River Falls State Bank and our service provider to obtain such additional information as we deem reasonably necessary to insure that you are not using our Service in violation of law, including, but not limited to, laws and regulations designed to prevent "money laundering" or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department.

Once you are approved for the Online Money Movement Service, we may verify your linked Accounts that you add to the Service from time to time. You authorize us to validate the linked Accounts through the use of a test transfer (known as a trial deposit), in which one or more low value payments will be both credited to and debited from the linked Account. The test credit will always occur before the test debit and will always be of the same or lesser amount, so that the balance in any of your linked Accounts will never be less than the actual balance.

Once the test transfer is complete, we may ask you to access your linked Account to tell us the amount of the test credit or debit or any additional information reported by your bank with this test transfer. We may also verify Accounts through requiring the entry of information you ordinarily use to access the Account provider's web site, or by requiring you to submit proof of ownership of the Account.

User Content. Subject to River Falls State Bank's Privacy Policy, you agree that we may use, copy, modify, display, and distribute any information, data, materials or other content (the "Content") you provide to River Falls State Bank for the purpose of providing the Service, and you hereby give us a license to do so. By submitting Content, you represent that you have the right to license such Content to us for the purposes set forth in this Agreement.

Accounts. You understand that in order to complete funds transfers, it is necessary for River Falls State Bank and our service provider to access the websites and databases of your bank and other institutions where you hold Accounts, as designated by you and on your behalf, to retrieve information and effect the fund transfers you request. By using the Service, you represent and warrant to us that you have the right to authorize and permit us to access your Accounts to affect such funds transfers or for any other purpose authorized by this Agreement, and you assure us that by disclosing and authorizing us to use such information you are not violating any third- party rights. You warrant and represent that the information you are providing us with is true, current, correct, and complete. You hereby authorize and permit River Falls State Bank and our service provider to use information submitted by you to accomplish these purposes and to configure the Service to be compatible with the Accounts.

For as long as you are using the Service, you give to River Falls State Bank and our service provider a limited power of attorney and appoint us and our service provider as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access the Accounts, effect funds transfers as described above, with full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with effecting funds transfers, including verifying the content and authenticity of any funds transfer instruction for the purposes of security procedures applicable to Accounts, as fully to all intents and purposes as you might or could in person. Once River Falls State Bank and/or our service provider has actual knowledge that you wish to cease using the Online Money Movement Service as provided in this Agreement or as otherwise permitted in this Agreement and has a reasonable opportunity to act on such knowledge, this limited power of attorney is automatically revoked; provided, however, that any act done by us and/or our service provider in good faith before it has actual knowledge of termination by you and has a reasonable opportunity to act on such knowledge shall be deemed to be authorized by you.

You understand and agree that at all times your relationship with each Account provider is independent of River Falls State Bank and your use of the Online Money Movement Service. The River Falls State Bank will not be responsible for any acts or omissions by the financial institution or other provider of any Account, including without limitation any modification, interruption, or discontinuance of any Account by such provider.

How the Service Works. An "Inbound Transfer" moves funds into an account at River Falls State Bank from an account outside River Falls State Bank. An "Outbound Transfer" moves funds from an account at River Falls State Bank to an account outside River Falls State Bank. You will need to register each of your non-River Falls State Bank accounts that you wish to use for these transfers. You agree that you will only attempt to register accounts for which you have the authority to transfer funds. River Falls State Bank will post Inbound Transfers to your account on the "Deliver By" date. For Outbound Transfers, your funds will be debited on the Business Day following the "Send On" date and arrive at your external financial institution on the "Deliver By" date. Consult your external financial institution for details on when funds will post to your account. For transfers into a River Falls State Bank account, the funds may not be available until the third Business Day after the "Deliver By" date. For transfers into River Falls State Bank accounts, the funds will become available in accordance with the terms of your Account Agreement.

Business Days. The Service will process requests for transfers on business days. Our business days are Monday through Friday. Holidays and Bank Holidays are not included.

Cut-off Time. Standard Transfers: 3:00 p.m. CT Any transfer made after the cut-off time will be initiated the next Business Day.

Modifying or Cancelling Transfers. Pending transfer instructions can be cancelled or modified until the status changes to "In Process." Instructions cannot be cancelled or modified after cut-off time for the transfer date.

Transfer Fees. There is no fee to initiate Inbound Transfers or Outbound Transfers. We may change our fee schedule at any time. If we make a change, you will be notified in writing as required by applicable law. Cancellation of the services for which fees are charged does not release you from liability for any and all fees assessed by us but not yet paid prior to your cancellation of such service.

YOU ACKNOWLEDGE AND AGREE THAT WHEN RIVER FALLS STATE BANK AND OUR SERVICE PROVIDER IS AFFECTING A FUNDS TRANSFER FROM OR TO ANY OF YOUR ACCOUNTS, RIVER FALLS STATE BANK AND OUR SERVICE PROVIDER IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF ANY THIRD PARTY. You agree that River Falls State Bank, its affiliates, service providers and partners shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you.

YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF:

• OUR ACCESS TO THE ACCOUNTS
• OUR DEBIT AND/OR CREDIT OR INABILITY TO DEBIT AND/OR CREDIT THE ACCOUNTS IN ACCORDANCE WITH YOUR FUNDS TRANSFER INSTRUCTIONS
• ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED FROM THE ACCOUNTS
• ANY CHARGES IMPOSED BY ANY PROVIDER OF ACCOUNTS
• ANY FUNDS TRANSFER LIMITATIONS SET BY THE FINANCIAL INSTITUTIONS OR OTHER PROVIDERS OF THE ACCOUNTS

Not all types of accounts are eligible for Online Money Movement Service. Be sure to check with your financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate and other account types. We are not responsible for any costs or losses incurred from fund transfers that are not permitted under such restrictions by the provider of your Account or those imposed by applicable law.

Electronic Communications

General Consent; Categories of Records. The Online Money Movement Service is an electronic, Internet based-service. Therefore, you understand and agree that this Agreement will be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means:

• This Agreement and any amendments, modifications, or supplements to it.
• Your records of funds transfers and other transactions through the Service, including without limitation confirmations of individual transactions.
• Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law.
• Any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service.
• Any other communication related to the Service.

Although River Falls State Bank reserves the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing." You should print a paper copy of any electronic Communication that is important to you and retain the copy for your records. If you do not agree to receive this Agreement or the Communications electronically, you may not use the Service.

How to Withdraw Consent. If you have registered for the Service and you wish to withdraw your consent to have Communications provided in electronic form, you must cancel any pending transfer requests (within the time period permitted by the Service cancellation policies) and contact River Falls State Bank to cancel the Service. There are no fees to cancel a pending transfer request (as long as such cancellation is made within the time period permitted by the Service cancellation policies).

How to Update Your Records. You agree to promptly update your registration records if your e-mail address or other information changes. You may update your records, such as your e-mail address, by using the Preferences or Settings page.

Delivery of Electronic Communications. Communications may be posted on the pages of the Service website or other website disclosed to you and/or delivered to the e-mail address you provide. Any electronic Communication sent by e-mail will be deemed to have been received by you when River Falls State Bank or our service provider sends it to you, whether or not you received the e-mail. If the Communication is posted on the Service, then it will be deemed to have been received by you no later than five (5) business days after River Falls State Bank or our service provider posts the Communication on the pages of the Service, whether or not you retrieve the Communication. An electronic Communication by e-mail is considered to be sent at the time that it is directed by River Falls State Bank or service provider's e-mail server to the appropriate e-mail address. An electronic Communication made by posting to the pages of the Service is considered to be sent at the time it is publicly available. You agree that these are reasonable procedures for sending and receiving electronic Communications.

Hardware and Software Requirements. In order to access and retain Communications, you must have:

• A current Internet browser that supports 128-bit encryption and allows third party cookies.
• An e-mail account and e-mail software capable of reading and responding to your e-mail.
• A personal computer, operating system, and telecommunications connections to the Internet capable of supporting the foregoing.
• Sufficient electronic storage capacity on your computer's hard drive or other data storage unit.

Privacy Policy and Confidentiality

We regard your privacy and security with the utmost importance, and we are absolutely committed to safeguarding any information that you share with us. In order to provide the Online Money Movement Service, we must obtain certain personal information about you, your Accounts, and your transactions (referred to herein as "User Information"). You represent that you have the right to provide such User Information and that you give us the right to use the User Information in accordance with our privacy policy.

All of your personal and financial information will be placed on a secure portion of our website. We do not use any persistent "cookies" on the browser to store any personal information. We have multiple levels of security that have been designed especially for us. You can see a full description of our security policy by clicking on "Security Policy" in Online Banking. You can see a full description of our privacy policy by clicking on "Privacy Policy" in Online Banking.

Password. You are responsible for maintaining the confidentiality of your River Falls State Bank customer number and password. No one at River Falls State Bank has access to your Account passwords. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at the Bank will know or need to know your password, and Bank employees will never ask for your password.

In the Event of Unauthorized Transfer. If you believe your password has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site.

Consumer Liability. You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.

You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the View Scheduled Transfers link. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Transfer Types and Limitations

Types of Transfers. You may use your River Falls State Bank password to access Funds Transfer within the Service to transfer funds between any two of your Accounts about which you have provided the necessary information to us. Transfers can be between Accounts within our Bank and another financial institution.

Some of these services may not be always available. We may from time to time make available additional or new features to the Service, including but not limited to, a next day service and a higher limit service. You will be approved or declined for any such additional service at our sole discretion and additional terms and conditions may apply. Please ensure that you have sufficient funds to affect any funds transfers from your Accounts. We may at any time decline to affect any funds transfer that we believe may violate applicable law.

Dollar Amount of Transfers. You may not make funds transfers in excess of limits described on the Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Service. Without limiting the foregoing, in the event that your use of the Service has been suspended and reinstated as provided herein (see "Suspension and Reinstatement of External Funds Transfer" below), you understand and agree that your use of the Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us.

Transfers subject to the Rules of the Accounts. Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You agree not to affect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of OFAC regulations.

Rejection of Transfers. We reserve the right to decline to affect any funds transfer, to submit funds transfer instructions or orders or to carry out change or cancellation requests.

Authorization. You authorize us to select any means to execute your external funds transfer instructions. You understand that to execute your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your Account. The sole purpose for our service provider's transfer account is to complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To affect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account.

You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. The River Falls State Bank will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize us to debit your account in the amount indicated.

In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below).

Suspension and Reinstatement of External Funds Transfer Service

In the event that we at any time incur a problem with your use of the Service, including without limitation a fail in attempting to debit any of your Accounts or to collect with respect to any of your funds transfers as described above, and without limiting any other right or remedy that we may have under this Agreement or otherwise, we reserve the right to suspend your right to use the Service, immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect itself from loss. In the event of such suspension, you may request reinstatement of your service by contacting us using any of the methods provided for under this Agreement (see "Error Reporting and Claims," below). We reserve the right in its sole discretion to grant or deny reinstatement of your use of the Service. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate your Service subject to lower per-transaction, daily and monthly dollar limits and/or with other restrictions than otherwise might be available to you. Based upon your subsequent usage of the Service, River Falls State Bank in its sole discretion may thereafter restore your ability to effect transfers subject to such higher limits as may then be in effect (see "Dollar Amount of Transfers," above).

Your Responsibility for Errors. You understand that we must rely on the information provided by you and you authorize us to act on any instruction which has been or reasonably appears to have been sent by you, to submit funds transfer instructions on your behalf. You understand that financial institutions receiving the funds transfer instructions may rely on such information. We are not obliged to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You understand that if you provide us with incorrect information or if there is any error in your instructions, we will make all reasonable efforts to reverse or delete such, but you accept full responsibility for losses resulting from any of your errors, duplication, ambiguities, or fraud in the information that you provide. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current, or incomplete, without limiting other remedies, River Falls State Bank reserves the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.

Error Reporting and Claims. In case of errors or questions about your fund transfers, contact us as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the View Scheduled Transfers link. We must hear from you within 60 days after we FIRST posted the transfer to your statement.

• Tell us your name, and the account number of the Account to which the error relates.
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether we committed an error within 10 business days (20 business days for new member accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for new member accounts) to investigate your complaint or question. If we decide to do this, we will credit/debit the applicable Accounts within 10 business days (20 business days for new member accounts) for the amount you believe is in error, so that you or your intended Recipient will have use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within 10 business days, we may not credit/debit the applicable Accounts.

We will tell you the results within three business days after completing our investigation. If we decide that we did not make an error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

We are not responsible for errors, delays and other problems caused by or resulting from the action or inaction of financial institutions holding the Account or the account of your Recipient. Although we will try to assist you in resolving any such problems, you understand that any such errors, delays or other problems are the responsibility of the relevant financial institution or the Recipient. Any rights you may have against a financial institution for such errors, delays or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made.

Proprietary Rights. You acknowledge and agree that River Falls State Bank and/or our service provider owns all rights in and to the Online Money Movement Service. You are permitted to use the Service only as expressly authorized by this Agreement. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile River Falls State Bank and/or our service provider's Online Money Movement Service or any of our service provider's services or technology.

No Unlawful or Prohibited Use. As a condition of using the Service, you warrant to us that you will not use the Service for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party's use and enjoyment of the Service. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service. You agree that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.

Service Changes and Discontinuation. We may modify or discontinue the Service or your account with us, with or without notice, without liability to you, any other user or any third party. We reserve the right, subject to applicable law, to terminate your account and your right to use the Service at any time and for any reason, including without limitation if we, in our sole judgment, believe you have engaged in conduct or activities that violate any of the Terms or the rights of River Falls State Bank and/or our service provider, or if you provide us with false or misleading information or interfere with other users or the administration of the Services. We reserve the right to charge a fee for the use of the Service and any additional services or features that we may introduce. You understand and agree that you are responsible for paying all fees associated with the use of our Online Money Movement Service.

You may terminate your account with the River Falls State Bank at any time by contacting us. Once your account with us has terminated for any reason, you will have no further right or access to use the Service, and we will not access your Accounts thereafter for any reason.

Links to Third Party Sites. The River Falls State Bank website may contain links to other websites ("Linked Sites"). Such links are provided solely as a convenience to you. River Falls State Bank does not screen, approve, review or otherwise endorse any content or information contained in any Linked Sites. You acknowledge and agree that River Falls State Bank, its affiliates, and partners are not responsible for the contents of any Linked Sites, including the accuracy or availability of information provided by Linked Sites, and makes no representations or warranties regarding the Linked Sites or your use of them.

Security Procedures. You understand that the financial institution at which an Account is maintained may contact us to verify the content and authority of funds transfer instructions and any changes to those instructions. You understand that, as your agent, we may provide to such financial institution such information as may be required to verify the instructions and may constitute a valid security procedure under the rules governing such Account.

Deviating from Security Procedures. You agree to allow us to authorize any financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such financial institution, or between us, on your behalf, and such financial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition, you agree that we may authorize such financial institutions to charge and debit your accounts based solely on these communications.

Account number Policy. If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers.

Joint Account Holder. In submitting your application for the Online Money Movement Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that they never consented to your use of our Online Money Movement Service, the joint account can no longer be operated on your instructions alone, or they are withdrawing consent for you to operate the joint account.

Means of Transfer. You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable financial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of the River Falls State Bank.

Our Liability. If we do not provide a funds transfer instruction on time, if we cause an incorrect amount to be removed from an Account or if we cause funds from an Account to be transferred to any account other than the Account or Recipient's account specified in the applicable funds transfer instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected funds to the proper Account or intended recipient's account. The River Falls State Bank is not responsible or liable if you're or the Recipient's financial institution's system fails and we are unable to complete the transfer. Except as otherwise required by law, River Falls State Bank shall in no other event be liable for any losses and damages other than those arising from gross negligence or willful misconduct on our part or if we breach a representation or warranty of River Falls State Bank hereunder.

You agree that your transfer instructions constitute authorization for us to complete the transfer. You represent and warrant to us that you have enough money in the applicable Accounts to make any funds transfer you request that we make on your behalf through the Service. You understand and agree that we are not liable under any circumstances for any losses or damages if, through no fault of ours, you do not have enough money to make the funds transfer and the funds transfer is not completed or is later reversed or if your financial institution does not permit the transfer or the funds transfer would exceed the credit limit on any applicable overdraft line.

You also understand and agree that we are not responsible for any losses or damages if circumstances beyond our control (such as fire or flood) prevent us from making a funds transfer or if the River Falls State Bank website was not working properly and you knew about the breakdown when you started the funds transfer.

Limitation of Warranty and Liability

YOU UNDERSTAND AND AGREE THAT OUR ONLINE MONEY MOVEMENT SERVICE IS PROVIDED "AS-IS." EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR AS REQUIRED BY LAW, WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. YOU UNDERSTAND AND EXPRESSLY AGREE THAT USE OF THE ONLINE MONEY MOVEMENT SERVICE IS AT YOUR SOLE RISK, THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE ONLINE MONEY MOVEMENT SERVICE IS DOWNLOADED OR OBTAINED AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR THE OBTAINING OF SUCH MATERIAL AND/OR DATA.

EXCEPT AS EXPRESSLY SET FORTH ON THE RIVER FALLS STATE BANK WEB SITE OR IN THIS AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS, AND WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE ONLINE MONEY MOVEMENT SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE ONLINE MONEY MOVEMENT SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY US FROM THE ACCOUNTS OR THAT THE ONLINE MONEY MOVEMENT SERVICE WILL MEET ANY USER'S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

EXCEPT AS DESCRIBED IN THIS AGREEMENT, WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE ONLINE MONEY MOVEMENT SERVICE, ANY INACCURACY OF ANY INFORMATION OR AMOUNT RETRIEVED BY US FROM THE ACCOUNTS, ANY BREACH OF SECURITY CAUSED BY A THIRD PARTY, ANY TRANSACTIONS ENTERED INTO BASED ON THE ONLINE MONEY MOVEMENT SERVICE, ANY LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER'S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification. You agree to indemnify, defend and hold harmless River Falls State Bank, its affiliates, partners, officers, directors, employees, consultants, service providers and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use of the Online Money Movement Service, our reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement, your violation of the Terms or your infringement, or infringement by any other user of your River Falls State Bank account, of any intellectual property or other right of any person or entity.

Recipient. In the event that you are an intended Recipient, another customer (the "Transferor") has instructed us to transfer funds (the "Funds") to an account you designate at your bank or other financial institution (the "Account"). In addition to the Terms herein, you agree to accept the terms and conditions set forth below.

You authorize us to transfer the Funds to your Account. In order for us to complete the transfer, you will be prompted to provide us with the following information (the "Information"): 1) your full name; 2) your current residential address; 3) the name of your bank or financial institution and ABA routing number (the 9-digit number that appears on the far left of the bottom of your check) of the financial institution which holds your Account; 4) the Account number; and 5) a secret word or phrase known only to you and the transferor. We will utilize the Automated Clearing House (ACH) system to send the Funds to your Account. We will act on the information provided by you in completing ACH credit instructions to your Account. If for any reason your financial institution returns the ACH credit or the credit goes to the wrong financial institution or Account because you have provided us with incorrect information, we may in our sole discretion, take reasonable efforts to complete the credit transaction or return the Funds to the Transferor.

You agree not to impersonate any person or use a name that you are not authorized to use. You warrant and represent that you are the person intended by the Transferor and entitled to receive the Funds; that you are not a person whose Accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department; and that the Information you will provide is true, correct and complete.

We reserve the right to decline to complete any transfer, even after you have agreed to all of the Terms, if we have reason to believe that completing the transfer would result in a violation of law or expose us to liability or risk of loss. If the transfer is rejected for any reason, the funds will be returned to the Transferor.

Miscellaneous. You understand and agree that our service provider is not a bank, a broker-dealer firm, or any other kind of financial institution. You represent and warrant that you are who you claim to be; that you are the rightful owner of all Content and the Accounts linked for the purposes of the Online Money Movement Service; and that you are rightfully authorizing us to access the Accounts.

You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement, the limitations on our liability and our rights to indemnification under this Agreement are continuing and shall survive the termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions. River Falls State Bank's failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of our right to subsequently enforce such provision or any other provisions of this Agreement.

The most current version of this Agreement as it appears on our website, including any amendments that we may make from time to time, constitutes the entire agreement between us, and supersedes and replaces all other agreements or understandings, whether written or oral, regarding the Online Money Movement Service. This Agreement may be amended, or any of the Bank's rights waived, only if River Falls State Bank agrees in writing to such changes, or you continue using the Online Money Movement Service following receipt of notice of any changes proposed by us. All notices to you shall be in writing and shall be made either via e-mail, conventional mail or messages delivered through the Services, at River Falls State Bank's discretion. All notices to River Falls State Bank must be made in writing. This Agreement is personal to you and you may not assign it to anyone.

If either of us has any dispute or disagreement with the other regarding this Agreement that we cannot resolve amicably, both parties agree that the sole and exclusive remedy shall be binding arbitration in accordance with the then-current rules and procedures of the American Arbitration Association. This Agreement shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to its conflict of law provisions or your actual state or country of residence. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable, the remainder of the Terms will continue in full force and effect.

This Agreement shall take effect immediately upon the acceptance of your application for the Online Money Movement Service by us.