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Rev. date Jan. 2012

This Electronic Services Agreement ("Agreement") governs your use of Oakwood Bank Online Banking Service and/or Mobile Banking Service ("Service"). Please read this Agreement carefully. By enrolling and utilizing the Service, you agree to comply with the terms and conditions of this Agreement.

Introduction

The terms of this Agreement are in addition to those that apply to any account or service you have with Oakwood Bank and our Privacy Policy. Oakwood Bank, in its discretion, may modify this Agreement at any time. Oakwood Bank may offer additional online and mobile banking services and features in the future. Any such added services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new service or feature is added and/or at the time of enrollment for the service or feature, if applicable. Oakwood Bank may amend these terms and modify or cancel the services we offer without notice, except as may be required by law. You agree that we will not be liable to you or any third party for any discontinuance of the Service.

Definitions

The following words referenced in this Agreement have the meanings provided below.

"We," "Our" or "Us" refers to Oakwood Bank.

"You" or "Your" refers to each depositor, borrower, authorized signer, or authorized user of an account with Oakwood Bank who enrolls and uses the Service.

“Account(s)” refers to your eligible Oakwood Bank checking, savings, loan or certificate of deposit and other Oakwood Bank products that can be accessed through the Service.

“Device” refers to a computer, tablet, cell phone, smartphone, or any other handheld or wearable communication device that is web-enabled. Your wireless carrier may assess fees for data or text messaging services. Please consult your wireless plan or provider for details.

Oakwood Bank Contact Information

You may contact us for any reason related to this agreement by calling our Customer Support at 715.983.2295; by writing to Oakwood Bank, 40214 S Ekern Avenue, PO Box 489, Pigeon Falls, WI 54760; or by emailing customersupport@oakwoodbank.net. You agree to notify us immediately of any change in either your e-mail address or your mailing address.

Hours of Service

Oakwood Bank's business days are Monday through Friday, except Federal Reserve holidays. Online and Mobile Banking is available 24 hours a day, 7 days a week, except during maintenance periods or circumstances beyond our reasonable control. All Online and Mobile Banking transactions initiated after 5:00 p.m. Central Standard Time (CST) on business days and all transactions requested on Saturdays, Sundays, or Federal holidays will be processed on the next business day.

Online Banking Service Fees

There is no activation fee to sign up for Oakwood Bank's Online Banking Service. There is no monthly charge for accessing the Service. Other fees may be assessed and billed separately by your Device provider. All telephone and wireless charges associated with the Service are your responsibility. All other fees, which have been separately disclosed to you in connection with your account(s), will continue to apply to those account(s) and to the services utilized by you.

Online and Mobile Banking Service

The Service allows you to access your Oakwood Bank accounts to check balances, review detailed transaction history, view account statements, item images and notices, place stop payments on checks (online only), pay bills, transfer funds between accounts, deposit checks (mobile only), and other banking transactions further described in this Agreement.

We reserve the right to limit the types and number of accounts eligible, and the right to refuse to make any transaction you request through the Service. We may also reserve the right to modify the scope of the Service at any time. The Service may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. Oakwood Bank cannot guarantee, and is not responsible for, the availability of data services provided by your internet provider or mobile carrier, such as data outages or "out of range" issues.

To properly use the Service, you should review and follow the instructions provided on our website. You agree to accept responsibility for learning how to use the Service in accordance with the online instructions and agree that you will contact us directly if you have any problems with the Service. We may modify the Service from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use the Service as modified. You also accept responsibility for making sure that you know how to properly use your Device, and we will not be liable to you for any losses by your failure to properly use the Service or your Device.

You agree that, when you use the Service, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of the Service (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with the Service), and you agree that only your internet and mobile service providers are responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us. Any deposit account, loan or other banking product accessed through the Service is also subject to the Account Agreements and Disclosures provided at the time of Account opening. You should review the Account disclosures carefully, as they may include transaction limitations which might apply to your use of the Service.

Your Responsibilities

You represent and agree to the following by enrolling for the Service or by using the Service.

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

User Security: You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Service. You agree not to leave your Device unattended while logged into the Service and to log off immediately at the completion of each access by you. You agree not to provide your username, password, or other access information to any unauthorized person. If you permit other persons to use your Device, login information, or other means to access the Service, you are responsible for any transactions they authorize, and we will not be liable for any damages resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your Account. We make no representation that any content or use of the Service is available for use in locations outside of the United States. Accessing the Service from locations outside the United States is at your own risk. You are responsible for ensuring your Device operating system, software, browser version, plug-ins, and anti-virus software are all current and up to date.

User Conduct: You agree not to use the Service or the content or information delivered through the Service in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of the Service to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to the Service; (i) interfere with or disrupt the use of the Service by any other user; or (j) use the Service in such a manner as to gain unauthorized entry or access to the computer system of others.

No Commercial Use or Re-Sale: You agree that the Service is only for personal or business use by individuals authorized to access your account information. You agree not to make any commercial use of the Service, or resell, lease, rent or distribute access to the Service.

Indemnification: Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless Oakwood Bank, its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney's fees) caused by or arising from (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; and (c) your use, or use by a third party, of the Service.

Permitted Transfers

You may use the Service to transfer funds between your eligible Oakwood Bank accounts ("Internal Transfer"). If your account(s) are approved for 'Bank-to-Bank' transfers, you may use the Service to transfer to or from an account at another financial institution. If you submit your transfer via the Service prior to the deadline established by us for the transfer service, you will initiate an immediate Internal Transfer. Internal Transfer transaction requests received after 5:00 p.m. CST on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. You must have sufficient funds available in the selected account at the time the transfer request is received, including any available overdraft limit. We may process transfers that exceed your available balance at our sole discretion. If we process the transfer, you agree to cover any overdraft plus any applicable fees. We may also limit the type, frequency, and number of transfers for security purposes and may change or impose the limits without notice, at our option. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.

Manage Oakwood Bank Debit Card(s)

You may use the Service to manage your Oakwood Bank debit card(s), to report the card lost or stolen, re-order a card, activate a new card, and to temporarily turn card off and on.

Secure Messaging

The Service provides secure messaging so you can ask questions about your account(s), the Service, and for general feedback. Secure messaging is accessible after you log into the Service. Please be aware that general or public email transmissions are not secure. Therefore, to ensure the security of your account information, you are required to use the Service's secure messaging when asking specific questions about your account(s). Email cannot be used to initiate transactions on your account(s).

Bill Payment Service

Oakwood Bank Bill Pay lets you schedule bill payments through the Service. You can arrange, at your option, for the payment of your current, future, and automatic (recurring) bills to businesses or individuals. All payments you make will be deducted immediately from the Oakwood Bank checking account that you designate as your bill payment account for the Bill Pay service. Joint accountholders may use the same account as their designated bill payment account.

Bill payments are processed either through an electronic transmission to the payee or by check debited from your designated bill payment account. If your designated bill payment account closes or is restricted for any reason, we will cancel all pending payments associated with the account. It will be your sole responsibility to make all pending and future payments. Any payments you make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the service from time to time.

Oakwood Bank's business days are Monday through Friday, except Federal Reserve holidays. Bill Pay is available 24 hours a day, 7 days a week except during maintenance periods or circumstances beyond our reasonable control. Bill Pay transactions process based on the scheduled processing date designated by you. Any payments requested after 4:00 p.m. Central Standard Time (CST) or on Saturdays, Sundays, or Federal holidays, will be processed on the next business day.

Scheduling Payments

When making payments through Bill Pay, please allow enough time for your payee to receive your payment and credit your account properly. To avoid incurring a finance charge or late charge imposed by your payee, you must schedule payment sufficiently in advance of the payment due date, so that the delivery date is before the payment due date. Please allow 2-4 days for an electronic payment and 3-5 days for a check payment. A bill payment can be changed or cancelled at any time prior to 12:00 p.m. CST on the scheduled processing date.

We may modify, suspend, or terminate your privilege to use the Bill Payment service and may withhold approval of any transaction, at any time, with or without prior notice to you. In the event we terminate your Bill Payment service, we will try to notify you in advance as soon as possible, but we are not required to do so. If your Bill Pay remains inactive for a period of 3 months, it may be closed by Oakwood Bank. You may have the option to re-open Bill Pay.

If at any time you wish to remove Bill Pay from your account(s), you can do so by notifying our Customer Support at 715.983.2295 or customersupport@oakwoodbank.net. All bill payments, both present, future, recurring and/or one-time payments, must be deleted before terminating your Bill Pay service, or such payments may continue to be processed at your expense. Please be aware that if and when your Bill Pay account is deleted, your bill payment history is deleted along with it, making it impossible for yourself or Oakwood Bank to obtain that format of your payment information in the future. Transactions you made, however, will have been recorded on your bank account statements as bill payment deductions. Termination shall not affect the rights and obligations of the parties for transactions made within the Bill Pay service before there was a reasonable time to respond to your termination request.

Oakwood Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this agreement. Oakwood Bank will not be liable in any way for damages you incur for any of the following reasons: insufficient funds in your bill pay account on the processing date, delays in mail delivery, changes to the payee's address or account number unless we've been advised on the change in advance, the failure of any payee to correctly account for or credit the payment in a timely manner, or any other circumstances beyond the control of Oakwood Bank.

Additional Mobile Banking Information

The Service may be provided in one or more formats, including with limitations, short message services, mobile web, or downloadable application. To utilize the Services, you must be enrolled to use Online Banking. Information about Oakwood Bank's Mobile Banking services is available on our website at www.oakwoodbank.net or at any of our Oakwood Bank locations. If text message services are used, you are solely responsible for the content of, and the mis-delivery of, any text messages. You agree to provide accurate source indication (i.e., the Device's mobile number) of any text messages sent to you. YOU ACKNOWLEDGE THAT THE TEXT MESSAGES MAY INCLUDE INFORMATION THAT IS CONSIDERED CONFIDENTIAL UNDER FEDERAL AND STATE LAW, AND SOMEONE WHO HAS ACCESS TO YOUR TEXT MESSAGE HISTORY OR EMAIL ACCOUNT MAY BE ABLE TO VIEW THE CONTENTS.

Mobile Deposit Capture Service

The mobile deposit capture service ("Mobile Deposit") is designed to allow you to make deposits to your checking, money market account or savings account using your camera-enabled mobile device capable of capturing check images and information and electronically delivering the items and associated deposit information to Oakwood Bank or Oakwood Bank's designated processor. Mobile Deposits are only processed on business days, not weekends or holidays. Deposits captured, transmitted, and accepted on a business day by the Bank's cutoff time of 5:00 p.m. CST will be considered a same day deposit. Deposits captured and transmitted after the Bank's cutoff time will be considered a deposit on the next business day. Mobile Deposit items will appear in the ‘memo post' on your account. All items will be posted to your account during end of day processing.

The device must capture an image of the front and back of each check to be deposited and must read and capture the magnetic ink character recognition ("MICR") line on each check; and must read and capture all such other data and information as is required by this Agreement or Federal Reserve regulations for the processing of these checks for payment.

You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC") which will be considered eligible items. When the image of the check transmitted to Oakwood Bank 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.

You agree that you will not scan and 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 into which the check is deposited; 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 jointly, unless deposited into an account in the name of all payees; Checks previously converted to a substitute check, as defined in Reg. CC; Checks drawn on a financial institution located outside the United States; Checks that are remotely created checks, as defined in Reg. CC; Checks not payable in United States currency; Checks dated more than 6 months prior to the date of deposit; Checks that have exceeded the “Valid” period; Checks or items prohibited by Oakwood Bank's current procedures relating to the Service or which are otherwise not acceptable under the terms of your Oakwood Bank account; Checks payable on sight or payable through Drafts, as defined in Reg. CC; Checks that have previously been submitted for payment; Checks that the written and numerical amounts do not match; Checks that are not restrictively endorsed by the payee. Note, any check that you attempt to deposit using Mobile Deposit is subject to verification by Oakwood Bank. We may reject an item for deposit for any reason and will not be liable to you. In such a case, you will need to deposit the item using other means, such as visiting an Oakwood Bank branch.

Image Quality: The image of an item transmitted to the Bank using the Services must be legible 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, clearing house 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; the signature of the drawer (maker); the date; the Check number; the information identifying the drawer and the paying financial institution that is preprinted on the Check including the MICR line; and 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).

Endorsements and Procedures: You agree to restrictively endorse any item transmitted through the Service with a proper endorsement, including the words ‘FOR MOBILE DEPOSIT ONLY' or ‘FOR REMOTE DEPOSIT ONLY.' You agree to follow any and all other procedures and instructions for the use of the Services as the Bank may establish from time to time. Endorsements must be made on the back of the check within 1½ inches from the top edge, although we may accept endorsements outside this space. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your Bank account, the check should be endorsed by all such payees, and you may only use Mobile Deposit to deposit such check into a Bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your Bank account using the Services.

Receipt of Items: We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive confirmation from the Bank that we have received the image. Receipt of such confirmation does not mean the transmission was error free or complete. Following receipt of such confirmation, the Bank will process the image by preparing a "substitute check" or clearing the item as an image.

Disposal of Transmitted Items: Upon your receipt of confirmation from Oakwood Bank that we have received an image that you have transmitted, you agree to retain the check for at least fourteen (14) calendar days from the date of the image transmission. After fourteen (14) days, you agree to destroy the check that you transmitted as an image, mark it "VOID", or otherwise render it incapable of further transmission, deposit, or presentment. During the time the retained check is available, you agree to promptly provide it to Oakwood Bank upon request.

Returned Deposits: Any credit to your account for Checks deposited using Mobile Deposit is provisional. If original Checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the Drawee Bank, or are rejected or returned by a clearing agent or collecting Bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original Check will not be returned to you, but that we may charge back the amount of the original Check and provide you with an image of the original Check, a paper reproduction of the original Check or a substitute check. You will reimburse us for all loss, cost, damage, or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you.

Mobile Deposit Security: You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. YOU WILL NOTIFY US IMMEDIATELY BY TELEPHONE AT 715.983.2295 AND WITH WRITTEN NOTICE AT Oakwood Bank, 40214 S. EKERN AVENUE, P.O. BOX 489, PIGEON FALLS, WI 54760, IF YOU LEARN OF ANY LOSS OR THEFT OF ORIGINAL CHECKS. You will ensure the safety and integrity of original Checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Deposit Limits: Your deposit limits are available within the Deposit Check option within the Mobile Banking application. We reserve the right to impose other limits on the amount(s) and/or number of deposits that you transmit using the Services and to modify such limits from time to time. Unless otherwise specified by the Bank, changes to such limits shall be effective immediately upon notice to you via mail, email, the Bank's website, or via the Mobile Banking application.

Contingency Plan: In the event you are unable to capture, balance, process, produce or transmit a deposit file to the Bank, or otherwise comply with the terms or the Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank location. The deposit of original checks at an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

Errors: You agree to notify the Bank of any suspected errors regarding items deposited through the Services immediately, and in no event later than sixty (60) days after the applicable Bank account statement is sent. Unless you notify the Bank within sixty (60) days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against the Bank for such alleged error. Fees. Oakwood Bank will not be responsible for any fees that your wireless carrier may charge.

Service Limitations

It is important that you understand the limitations of the Service, including but not limited to the following:

The balances in your accounts may change at any time as we process items and fees against your accounts. There may be technical or other difficulties related to the Service. These difficulties may result in loss of data, loss of personalized settings, or other service interruptions. Neither Oakwood Bank nor its third-party service providers assume any responsibility for: the timeliness, deletion, or mis-delivery of any user data; failure to store user data, communications, or personalized settings in connection with your use of the Service; or the delivery or the accuracy of any information requested or provided through the Service.

Neither we, nor any of our service providers, assume responsibility for the operation, security, functionality, or availability of any Device or network which you utilize to access the Service, nor do we guarantee that you will have continuous or uninterrupted access to the Service. We are not responsible for any delay, failure, or error in the transmission or content of information provided through the Service. Neither we nor any of our service providers or affiliates will be liable for damages arising from the non-delivery, delayed delivery, or improper delivery of any information through the Service, from any inaccurate information provided through the Service, from you use of or reliance on any information provided through the Service, or from your inability to access the Service.

We will not be liable to you for any losses caused by your failure to properly use the Service or your Device. We reserve the right to refuse to make any transaction you request through the Service for any reason. You agree and understand that the Service may not be accessible or may have limited utility over some cellular networks, such as while roaming. Financial information obtained through the Service (including, without limitation, any text message alerts) reflects the most recent account information available to us and may not be accurate or current. You agree that Oakwood Bank and our service providers will not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. Certain features and functions available through Online Banking may not be available using Mobile Banking and vice versa.

Other Agreements; Severability; Governing Law</p>

In the event of any conflicts between this Agreement and the content of the software or any related materials regarding the Oakwood Bank's obligations to you, the terms of this Agreement will control. If any provision of this Agreement is unlawful or unenforceable, each such provision or writing will be without force and effect without thereby affecting any other provision hereof. This Agreement will be governed by the substantive laws of the United States, applicable federal regulations, and to the extent not inconsistent therewith, the laws of the State of Wisconsin, without regard to such States' rules regarding conflicts of laws.

The primary licensor for the online and/or mobile banking service you are using (the "Service") is Jack Henry & Associates, Inc. (the "Provider"). By enrolling in our Service, you hereby agree as follows:

General

The Provider is not the provider of any of the financial services available to you through the Service, and the Provider is not responsible for any of the materials, information, products, or services made available to you through the Service.

Provider Privacy Policy

Provider may access personal information while you use the Service. Provider may access records held by your financial institution for such information as your phone number, home address or email address. Provider will use this contact information to alert you about Service-related events or actions that require your attention. If you grant permission to use phone information, Provider will use the phone number to pre-populate forms that expect a personal phone number for contacting. If you grant permission to use your device's location, Provider will use the data when checking for nearby branch and ATM locations. If you grant permission to use access photos, media or other files stored on your device, Provider will use that information to add an image to a transaction and add a photo to your profile. If you grant permission to use a camera, Provider will use it when taking a picture to add an image to a transaction or to capture images of a check that is being deposited or to add a photo to your profile. In addition to this Provider Privacy Policy, your financial institution maintains a privacy policy covering the personal and financial information related to your use of the financial institution's services and products, including such information that may be gathered through use of this Service, such as the “Account Information” and “Registration Information” described below. A copy of that privacy policy is available from your financial institution.

Source of Information

The Service, at your direction, will retrieve your information maintained online by financial institutions and billers with which you have customer relationships, maintain accounts, or engage in financial transactions and other log-in-related information ("Account Information"). Provider does not review, verify, or analyze the Account Information for accuracy or any other purpose, but simply gathers, organizes, and reports available Account Information to you. Technical difficulties may result in a failure to obtain data, a loss of data, a loss of personalized settings or other service interruptions. Account Information is timely only to the extent that it is promptly provided by the third-party sites. Account Information may be more complete or up to date when obtained directly from the third-party sites.

Your Responsibility for Information

You are responsible for providing Provider with accurate and updated (as necessary) account numbers, usernames, passwords and other log-in related information ("Registration Information") so that the Service is able to access Account Information. If you become aware of any unauthorized use of your Registration Information, you should notify your financial institution immediately.

Rights You Grant to Provider

By submitting data, passwords, usernames, PINs, log-in information, materials, and other Registration Information to Provider through the Service, you are voluntarily supplying that content to Provider for the purpose of providing the Service to you. By submitting such information to Provider, you represent that you are entitled to submit it to Provider for use for this purpose, without any obligation by Provider to pay any fees. By using the Service, you expressly authorize Provider to access your Account Information maintained by identified third parties, on your behalf as your agent. When you use the "Add Accounts" feature of the Service, you will be directly connected to the website for the third party you have identified. Provider will submit information including usernames and passwords that you provide to log you into the site. You hereby authorize and permit Provider to use and store the information submitted by you (such as account passwords and usernames) to accomplish the foregoing and to configure the Service so that it is compatible with the third-party sites for which you submit your information. You acknowledge and agree that when Provider is accessing and retrieving Account Information from the third-party sites, Provider is acting on your behalf and not on behalf of the third party. You acknowledge that certain risks are inherent in the transmission of information over the internet, and you agree that by using the Service you are assuming those risks.

Consent to Use of Data

You agree that Provider may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services (if any) related to the Service. Provider may use this information, as long as it is in a form that does not personally identify you, to improve its products or provide services or technologies.

Disclaimer of Warranty

THE SERVICE IS PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SERVICE WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SERVICE WILL BE UNINTERRUPTED. YOUR USE OF THE SERVICE AND ANY MATERIAL OR SERVICES OBTAINED OR ACCESSED VIA THE SERVICE IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL PROVIDER BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, PROVIDER'S LIABILITY ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE SHALL NOT EXCEED IN THE AGGREGATE THE SUM OF $250. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Google Analytics

To assist Provider in maintaining and improving this application, Provider uses Google Analytics to gather information about usage of the Service. For example, it tracks how many visitors the Service has, which screens they spend time on, what kinds of operating systems and devices they use, and how they found the Service. Google Analytics does not track, collect, or upload any data that personally identifies an individual (such as a name, email address, account number or billing information), or other data which can be reasonably linked to such information. The information helps Provider improve the performance of this Service for you. For more information on Google's use of the data, please see the website "How Google uses data when you use our partners' sites or apps" located at http://www.google.com/policies/privacy/partners/.

Miscellaneous

This End User Agreement constitutes the entire agreement between you and Provider concerning the subject matter hereof. This End User Agreement will be governed by and construed in accordance with the laws of the state of Iowa, excluding that body of laws pertaining to conflict of laws. If any provision of that portion of this Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this End User Agreement are subject to the exclusive jurisdiction of the courts of Iowa and you expressly consent to jurisdiction and venue thereof and therein. This End User Agreement and all related documentation are and will be in the English language. The application of the United Nations Convention on Contracts for the International Sale of Goods is hereby expressly waived and excluded.

Public Disclosure Performance Evaluation
Bank Locations and Hours
Assessment Area Maps
Consolidated Report of Income
Loan to Deposit Ratio
Accounts and Fees
Public Comments
Annual Disclosure Statement

Community Reinvestment Act Notices by Location
Augusta
Eau Claire
Pigeon Falls
Rollingstone