Please read these Terms and Conditions carefully and keep them for future reference.

Definitions. The words you and your refer to either and all of the persons signing the Application. The words we, us, and our refer to the financial institution identified in the Application. The words your deposit accounts refer to the deposit accounts with us identified in the Application. The words your loan accounts refer to the loan accounts with us on which either or all of you are obligated to us. The words your accounts refer to your deposit accounts and your loan accounts. The words our internet service refer to our On-Line Banking. The word terms refers to these Terms and Conditions. ACH refers to Automated Clearing House.

Security. We work hard to make our website secure. We will employ such security measures as in our reasonable judgment are appropriate to secure our website. You will not use our website for unauthorized purposes. We may monitor and audit transactions made through our website.

Access to Accounts Via the Internet. Subject to the terms set forth below, we will provide you with our internet service pursuant to which you can access your accounts by computer via the internet through our website using your username and password and providing such other information as may be required by our website to accomplish the following:

• Transfer funds between your deposit accounts.
• Make payments from your deposit accounts to your loan accounts.
• Make payments from your deposit accounts to third parties pursuant to our Online Bill Payment Program described below.
• Transfer funds from lines of credit you have with us to your deposit accounts.
• Get information about your accounts, such as account balances or information on deposits or withdrawals.

We will have no obligation to carry out any transfers or payments unless there are sufficient funds in the pertinent deposit account or any overdraft line of credit on that deposit account. We will promptly provide you with a username, password, the address of our website through which you can access your accounts, and such other information as you will need to participate in our internet service. You can arrange for a change of your password by calling the number set forth below. Please see the Limitations on Frequency of Transfers below.

• There are no additional charges for our Online Bill Payment Program.

Hardware and Software Requirements. We will promptly provide you with a statement of the computer hardware and software requirements to participate in our internet service. We can change these requirements and will give you advance notice of any such changes. Unless you comply with such changes, you will not be able to participate further in our internet service. You are solely responsible for setting up and maintaining your computer hardware and software and satisfying all hardware and software requirements.

Electronic Disclosures. Your use of Oostburg State Bank Online Banking service constitutes your agreement to the Consent for Electronic Communications. You agree that Oostburg State Bank may provide to you required notices, disclosures, agreements and other information concerning your account and the online banking service electronically (collectively, “Notices”). You agree that Oostburg State Bank can send you Notices (1) to the email address that you provided to Oostburg State Bank during registration or (2) by posting the Notice on the Web site home page of the applicable service. The delivery of any Notice from Oostburg State Bank is effective when sent by Oostburg State Bank, regardless of whether you read the Notice when you receive it or whether you actually receive the delivery. In order to receive Notices electronically from Oostburg State Bank, you will need:

Browser Requirements.

• Apple Safari versions 4, 5, 5.1, 6.0
• Microsoft Internet Explorer versions 7, 8, 9, 10, 11
• Google Chrome
• Mozilla Firefox
• Opera

Operating System Requirements.

• Microsoft Windows – 7 – 32 bit – all editions
• Microsoft Windows – 8x. – 64 bit
• Microsoft Windows Vista – 32 bit – Business

Changes to System Requirements. If system requirements change, affecting your ability to receive documents electronically, you will be notified.

If you would like a paper copy of any periodic statement or other Notice, please contact us at 920-564-2336 or by writing us at Oostburg State Bank, 905 Center Avenue, Oostburg, WI 53070. You may also elect to withdraw consent to receive Notices electronically by contacting us at 920-564-2336 or by writing us at Oostburg State Bank, 905 Center Avenue, Oostburg, WI 53070.

Stop-Payment Orders. To be effective, a stop-payment order must be received in time to allow us a reasonable opportunity to act on it, and for some ACH debits must be received at least three banking days before the scheduled date of transfer. To be effective, a stop-payment order must identify the payment sufficiently to allow us a reasonable opportunity to act on it. If the payment is by check, or if the payment is by ACH debit and we give notice at the time an oral stop-payment order is received that written confirmation is required and provide an address where the written confirmation can be sent, an oral stop-payment order is effective for 14 calendar days only, unless confirmed in writing within the 14-day period. Properly signed written stop payment orders are effective for 6 months after date received and will automatically expire after that period unless renewed in writing. With respect to ACH debits, you and we agree to abide by the ACH rules and regulations regarding stop-payment orders.

We will charge you $30.00 for each stop-payment order you give over the phone and $20.00 for each stop-payment order that you place online.

Hours of Operation. You ordinarily can participate in our internet service 24 hours a day – 7 days a week. However, we reserve the right to suspend our internet service from time to time as we deem appropriate.

Transaction Posting. Transactions entered on our website on or before 6:00 P.M. on any business day will be posted on the same day. Transactions entered on our website on weekends, federal holidays or after 6:00 P.M. on a business day will be posted by the end of the next business day.

Assignment and Delegation. We can assign our interest and responsibilities under this agreement, delegate our responsibilities under this agreement, and use independent contractors to perform or assist in the performance of our responsibilities under this agreement, as we deem appropriate.

Termination. We can terminate your right to participate in our internet service at any time if you fail to comply with these terms or the terms of your account agreements with us, including any failure to pay a required fee. Either you or we can terminate this agreement without cause upon 30 days advance notice.

Changes in Terms. We can change these terms by giving you notice as required by law. Continued use of our internet service by you after notice of a change in terms constitutes acceptance of the change.

Notices. Notices must be in writing and mailed or hand delivered, except that we can give them to you electronically if you have so consented. Notices to you are effective when given, regardless of whether you receive them. Notices to us are effective only when we actually receive them.

Irreconcilable Conflicts. These terms supersede those of your deposit or loan account agreements to the extent they cannot be reconciled. You expressly waive any deposit account agreement requirements of one or more signatures for withdrawal when using our internet service. Any one of the persons authorized to make withdrawals from your deposit accounts is authorized to make transfers pursuant to our internet service, even if your account agreements provide that multiple signatures are required for withdrawal.

FEES

Except as indicated elsewhere in this or other agreements or disclosures, we do not charge for our internet service. We can debit any fees to any of your deposit accounts without notice.

DOCUMENTATION

Periodic Statements. You will get a monthly account statement from us for your deposit accounts, unless there are no transfers in a particular month, in which case you will get a statement at least quarterly.

FINANCIAL INSTITUTION’S LIABILITY

Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time and in a correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line, and the transfer would go over the credit limit.
3. If circumstances beyond our control such as interruption of telecommunication service, catastrophic or emergency conditions, or a natural disaster (such as a fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
4. If the funds are subject to legal process or other encumbrance restricting the transfer.
5. There may be other exceptions stated in our agreement with you.
6. Except as expressly required by these terms or otherwise required by law, we will not be liable for any losses or damages resulting from:
   • Deficiencies in your computer hardware or software or in your ability or care in using them, or
   • Problems relating to your access to the internet.

CONFIDENTIALITY

1. We can disclose information to third parties about your account or the transfers you make:
   • Where it is necessary for completing transfers; or
   • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
   • In order to comply with government agency or court orders; or
   • As explained in our separate privacy disclosures.

Online Banking Enrollment Instructions

Your initial sign on will require you to type in any one of your account numbers, your full social security number, a PIN (instructions to follow) and your email address twice. The PIN needs to be set up with the bank prior to logging in the first time. If you have not already set up a PIN, you will need to contact the Operations Department at 920-564-2336 or e-mail generalbox@oostburgbank.com. We will not share your email address with anyone and you will not be solicited by the bank as a result of registering your email address with Online Banking.

After agreeing to the Terms & Conditions, you will need to enter a username and a password. Your username must be 6 to 12 alpha or numeric characters. Your password must be 8 to 17 alpha and numeric characters with at least one uppercase alpha character. Both the username and password are case sensitive.

For added security, we encourage you to change your password frequently. In addition, after 60 days of inactivity, Online Banking will void the most recently used password. Should you wish to use the Online Banking after this amount of time has elapsed, you will need to reenroll and reestablish a password.

Oostburg State Bank Alerts Terms and Conditions

Alerts. Your enrollment in Oostburg State Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Oostburg State Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Oostburg State Bank reserves the right to terminate its alerts service at any time without prior notice to you.

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

Alerts via Text Message. To stop alerts via text message, text “STOP” to 96924 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Oostburg State Bank Online Banking. For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at 920-564-2336. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

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

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

Revised 4/2022