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Disclosures

State Club Disclosure

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.

 

Minimum Balance - No minimum balance to open or avoid fees

 

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.

 

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

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

 

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

· $6.00 service charge/monthly fee

· $8.00 service charge/monthly fee to get images of checks

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 bookkeeping 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.

*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.

Frequent overdrafts will result in a checking account being closed.

Deposits made after 3:00p.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

CareFree Checking Disclosure

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

· Debit/ATM card annual fee $15.00

· $2.00 Monthly check image charge (if requested)

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.

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

Check Printing Fees may vary

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

Now Account Disclosure

Rate Information - The Interest Rate on our account is .050% with an Annual Percentage Yield of .05%. At our discration, 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.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

 

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.

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

Money Market Account Disclosure

Rate Information - The Interest Rate on your account is .050% with an Annual Percentage Yield of .05%. 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.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

 

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.

 

Limitations on frequency of transfers - You may not make more that six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.

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.

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

Check printing fees may vary.

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

High Yield Money Market Account Disclosure

Rate Information - The Interest Rate on your account is 1.050% with an Annual Percentage Yield of 1.06%. At our discretion, we may change the interest rate on your 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 - 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 fo each day of the statement period and dividing that figure by the number of days in the statement period.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

 

Minimum Balance- $25,000.00 minimum balance to open and to avoid fees. There is a $10.00 service charge if your balance falls below the $25,000.00 minimum balance and day of the statement cycle.

The Interest Rate on your account is 1.05%, with an Annual Percentage Yield of 1.06%, as long as your average daily balance for the statement cycle is 25,000.00 or more.

The average daily balance for the statement cycle is less than the $25,000.00 minimum, the entiere balance in the account will earn an Interest Rate of 0.05%, with an Annual Percentage Yield of 0.05%.

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

 

Limitations on frequency of transfers - You may not make more that six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.

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.

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

Check prining fees may vary.

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

Savings Account Disclosure

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 daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

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

 

Minimum balance - $90 minimum balance to open and to avoid fees. There is a $1 monthly service charge if your balance falls below the $90 minimum balance

 

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

 

Limitations on frequency of transfers - During any statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, or similar order to a third party. If you exceed 6 debits during any statement cycle your account will be charged 25¢ for each debit in excess of 6.

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

Christmas Club Savings Account Disclosure

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.

 

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

 

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

Certificate of Deposit Disclosure

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 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

Business Checking Account Disclosure

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 bookkeeping 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.

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

Online Banking Disclosure

River Falls State Bank Agreement for Online Banking This agreement states the terms and conditions that apply when you use Online Banking through the River Falls State Bank. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You must also follow all of our instructions and procedures applicable to the services covered by this agreement. Your use of the Online Banking service or the Bill Payment service is your acknowledgment that you have received these agreements and intend to be bound by them. ** To use Online Banking services, the user must be 16 years and older. Definitions The following definitions apply in this Agreement. "Online Banking" is the internet based service providing access to your account(s) under the terms set forth in this Agreement for Online Banking; "Online Account" means any River Falls State Bank account from which you will be conducting transactions; “Username” is the code initially set up when registering online, in order for accounts to be recognized this code has to be the customers Social Security Number or Business TIN. After logging in for the first time, users will be required to change the username from their SSN to an alternate username. “Password" is the code initially set up when registering online; "Time of day" references are to Central Standard Time or Central Daylight Time, as applicable; "We," or "Us" refer to River Falls State Bank. Access River Falls State Bank will provide online instructions describing how to use the Online Banking or Bill Payment. You will gain access to your Online Accounts through the use of your Internet-enabled device, your Internet Service Provider and your Username and Password. Hours of Operation Online Banking services are generally available 24 hours a day, seven days a week, except during special daily maintenance periods. For purposes of transactions, River Falls State Bank business days are Monday through Friday, excluding holidays as determined by River Falls State Bank. All Online Banking transaction requests received after approximately 2:30 p.m. on business days, and all transactions requested on Saturday, Sunday or a holiday on which River Falls State Bank chooses to remain closed, will be processed on the next business day. River Falls State Bank business day begins at 8:00 a.m. Use of your login Information Customers create a username and password (the identity of the password is not communicated with the bank) during registration. We recommend that you change your password regularly and will be required to do so every 180 days. For security purposes, you should memorize this password and not write it down. You are responsible for keeping your password and account information confidential and agree to do so. You agree that we are authorized to act on instructions received under your password. You agree not to allow anyone to gain access to your Online Banking account or to let anyone know your password. After five (5) unsuccessful attempts at authorization to use the system, you must request that we reset your password. Customers may request to generate a one time passcode. You agree to assume responsibility for all transactions up to the limits allowed by applicable law. Lost or Stolen Password If your password has been lost or stolen, call River Falls State Bank immediately at 715-425-6782, calling the River Falls State Bank is the best way of minimizing your losses. You may also email internetbanking@rfstatebank.com Banking Transactions with Online Banking Funds Transfers. You may use Online Banking to perform funds transfers from your River Falls State Bank checking accounts or savings accounts to other River Falls State Bank checking accounts or savings accounts. You may also transfer from your River Falls State Bank checking or savings account to make loan payments. Note: The River Falls State Bank imposes no restrictions on the number of transfers from accounts or the amounts which may be transferred, but certain Federal Regulation limits and restrictions on the frequency of transfers may be applicable with respect to the particular types of accounts subject to this Agreement, particularly Savings and Money Market accounts. Federal Regulation limits Savings, Money Market, and High Yield Money Market accounts to six debits (not in person) per statement month. Balance Inquiries. You may check the current balance and other account information on deposit accounts and loan accounts. Bill Payments. You may use Online Banking to direct payment from your designated Bill Payment account to businesses or individuals that you wish to pay. Customer Service. You may communicate with River Falls State Bank by using your personal computer to send and receive emails. Please refer to the "Email" option to send us your comments, questions or concerns. Special Freddie Mac Long Term Fixed Rate Mortgage Restrictions. Only one regular payment per month can be made on these mortgage loans. In any case, no matter if the payment is made through Online Banking or through an internal transfer or payment by check, only one regular payment per month is allowed. New services may be introduced for Online Banking from time to time. River Falls State Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. River Falls State Bank Online Accounts Only accounts owned by you (either individually or jointly with another person) may be added to your Online Banking account. Email Sending email is a way to communicate with the River Falls State Bank. Your email is actually sent via your own email software and not through our Online Banking. Email transmissions are not secure. Because of this, you should not include confidential information, such as account numbers, balances, etc., in your email. You should not rely on email if you need to communicate with us immediately (e.g., if you need to report an unauthorized transaction or if you need to stop a payment). The River Falls State Bank is specifically not liable for any errors, omissions, claims, or problems of any kind involving your email. You cannot use email to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Online Banking or call our Customer Service or our Bookkeeping Department at (715) 425-6782 or email internetbanking@rfstatebank.com Bill Payment A River Falls State Bank checking account is required for Bill Payment. Bill Payment services are subject to the rules set forth in this agreement and the Terms and Conditions set forth on the Bill Payment website through FIS. Funds must be in your Checking Account at the time the bill is deducted or the payment will not occur. Notices will be sent to your email address; therefore you must change your email address by going to My Settings within Online Banking to update Alerts and Notifications When you set up Bill Payments you are authorizing River Falls State Bank and FIS/Metavante, the Bill Payment data service which we use, to withdraw the funds from your checking account. You agree that funds will be available on the "Pay Date ". Funds are deducted from your account on this date. Failure to maintain sufficient funds may result in the bill being unpaid and a fee being charged to you. While it is anticipated that most transactions will arrive sooner, you should allow 7 business days prior to the due date (not the late date or grace period date) for the payment to reach the payee. As a safeguard, identical payments to the same payee are not permitted on the same day. When more than one identical payment is requested for the same payee, amount and payment date, the duplicate payment instruction is automatically disregarded. If you need to send two payments to the same payee, separate the payment dates by at least one day or vary the amounts slightly. Bill Payments are made electronically whenever possible. If the payee is unable to accept an electronic payment, the payment is made by paper check and mailed to the payee. Please remember this when allowing time for the payment to arrive at the payee. You will receive a reference number for each Bill Payment transaction and you should keep a record of this number. River Falls State Bank reserves the right to refuse to pay a given payee. You will be notified if we exercise this right. Note: The following types of payments through Bill Payment are prohibited: · Tax Payments · Court Ordered Payments (examples: alimony, child support) · Payments to Payees outside the U.S. Stop Payments Once the Bill Payment service begins processing a payment, it cannot be canceled. You may cancel a pending payment by following the directions on the screen. Once the payment is in the processing stage, they cannot be canceled. Once the payment has been sent, you can put a Stop Payment on if the transaction has not cleared. There is a $25 stop payment fee to do this. Limitation of River Falls State Bank Liability If we do not properly complete a transaction on time or in the correct amount according to this Agreement, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable for: Payments not completed due to insufficient funds Payments not completed if the funds in your account are frozen due to a delinquent loan. Payments not completed due to check holds, restraining notices, or other holds on your account. Payments not received or received late due to postal delays. Payments not received or received late due to incorrect or untimely instructions. Payments mishandled by the payee. Payments not completed to protect the integrity of the system or the security of your account. Payments initiated by you if you knew that Online Banking or Bill Payment was experiencing a malfunction. Circumstances beyond our control such as a flood, fire, power failure, or computer downtime that prevent the transaction, despite reasonable precautions we have taken. Note: Payment of taxes or court directed payments through Bill Payment is prohibited. Statements Customers will continue to receive regular account statement either monthly or quarterly, depending on the type of account. If your statement shows transfers or transactions that you did not make, notify River Falls State Bank immediately by calling us at (715) 425-6782, Monday through Friday from 8:00 a.m. to 4:30 p.m. If you do not notify River Falls State Bank within sixty (60) days after such statement that you question was made available to you, you will not recover any money lost which would not have been lost if River Falls State Bank had been notified in time. E-statements are available for online banking customers. To get started with E-Statements, the customer will need to submit the account, month, and disclosure. The statement will populate as a PDF so the customer can view and download. Customers will receive an email notification statements are ready and will be generated at the beginning of the month. It is important that you notify the bank when changing email addresses. Images will be available at no charge to the customer. Customers need to accept a disclosure for each account. Loans, CD’s, and Christmas Club do not generate statements. *E-statement disclosure is available online when submitting the E-statement request. *If a customer requests a paper statement in addition to the e-statement, there will be a $2.00 charge per paper statement. Errors and Questions In case of errors or questions regarding an Online Banking transaction, call River Falls State Bank at (715) 425-6782 or email internetbanking@rfstatebank.com We must hear from you at the specified telephone number no later than sixty (60) days after we have made available to you the first statement on which the problem or error appeared. We will need: 1. Your name and account number (if any) 2. A description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information 3. The dollar amount of the suspected error 4. The date on which it occurred. If the report is made orally, we may request that you come into the bank to fill out certain forms. We will notify you with the results of the investigation within ten (10) business days and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) days to investigate a complaint or question. If this occurs, we will provisionally credit your account within ten (10) business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) business days from your original contact, we may not credit your account until the investigation is completed. If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation. *Additionally, users can report errors within online banking after logging into online banking then selecting Error Resolution from the menu. Complete the Error Resolution form and submit. This document is then delivered to Bookkeeping via an encrypted message. Errors or Questions Regarding Bill Payment Services Contact the Bookkeeping Department at 715-425-6782 or email internetbanking@rfstatebank.com Limit of River Falls State Bank and Other Provider's Responsibility River Falls State Bank agrees to make reasonable efforts to ensure full performance of Online Banking. River Falls State Bank will be responsible for acting only on those instructions sent through Online Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under its control, which may affect the accuracy or timeliness of messages you send. River Falls State Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service. Any information you receive from River Falls State Bank or Other Information Providers is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. River Falls State Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information. Neither River Falls State Bank nor Other Information Providers are responsible for any computer virus or related problems which may be attributable to services provide by any Internet Service Provider. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking. River Falls State Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of River Falls State Bank's liability shall be as expressly set forth herein. Under no circumstances will River Falls State Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein. River Falls State Bank's Responsibility to Its Customers River Falls State Bank will be responsible for your actual losses if they were directly caused by our failure to: · Complete an Electronic Funds Transfer as properly requested · Cancel an Electronic Funds Transfer as properly requested. However, we will not be responsible for your losses if: · Through no fault of River Falls State Bank you do not have enough money in your account to make the transfer · Through no fault of River Falls State Bank, the transaction would have caused you to exceed your available credit · Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken · There is a hold on your account, or if access to your account is blocked in accordance with banking policy · Your funds are subject to legal process or other encumbrance restricting the transfer · Your transfer authorization terminates by operation of law · You believe someone has accessed your accounts without your permission and you fail to notify immediately · You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement · We have received incomplete or inaccurate information from you or a third party involving the account or transfer · We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement. In addition, the River Falls State Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their computer, disks, flash drives, etc using a reliable anti-virus product to detect and remove any viruses found. An undetected or unrepaired virus may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers. For the maximum security possible, we recommend you use the highest (most current) version of browser software that is available for your computer. There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. Inactivity and/or Termination You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using Online Banking or Electronic Banking Services. We can terminate your Online Banking privileges (including the Bill Payment Service) under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason. We may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive ninety (90) day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service. To cancel the Online Banking and/or Bill Payment Service, you must notify River Falls State Bank and provide your name Online and the effective date to stop the service. When the Service is terminated, any prescheduled bill payments made through Online Banking will also be terminated. Your final charge for the Bill Payment Service will be assessed at the end of your statement cycle. You may notify River Falls State Bank by one of the following methods: 1. By calling (715) 425-6782, 8:00 a.m. to 4:30 p.m. 2. By emailing internetbanking@rfstatebank.com 3. By writing a letter and sending it to the following address: River Falls State Bank Attn: Bookkeeping 124 S. 2nd St. River Falls, WI. 54022 Governing Law This Agreement is governed by the laws of the State of Wisconsin and applicable federal law. Modifications to This Agreement River Falls State Bank may modify the terms and conditions applicable to either the Online Banking service or the Bill Payment service from time to time upon mailing, emailing or delivering a notice of the modifications to you at the address or email address shown on our account records. The revised terms and conditions shall be effective at the earliest date allowed by applicable law. We reserve the right to terminate this Agreement and your use of either of these services in whole or in part at any time without prior notice. You may terminate your Online Banking service at any time by notifying us by mail, email or telephone. You will be liable for any fees for the month in which termination occurs and for any outstanding Bill Payment transactions which may exist. Internet Browser Requirements The RFSB strongly suggest using the latest version available for your particular browser software. Generally the latest versions provide the greatest overall security. Fee Schedule River Falls State Bank does not currently charge customers to access all Online Banking services. However the Bill Payment service and paper statements, if enrolled in e-statements have a fee. Bill Payment fees are waived for the first 3 months of service. Bill Payment accounts will incur the following fees: · $6.00 per month, regardless of whether transactions are initiated or not. · 15 free transactions per calendar month. $.25 per transaction in excess of the 15 free. These fees will be deducted automatically from your primary funding account. Account research and any other fees will be assessed at the rates published in River Falls State Bank's Schedule of Service Fees. These fees are subject to change. River Falls State Bank will notify you in writing regarding any fee changes at least 30 days in advance of the effective date of these changes. E-statements: When a customer requests a paper statement and is receiving e-statements, there will be a $2.00 charge per paper statement. Welcome to Internet Bill Pay Electronic Bill Pay Authorization I AUTHORIZE my financial institution to post payment transactions generated by phone and/or PC from the Bill Paying Service to the account indicated on the form being sent electronically. I understand that I am in full control of my account and that my 100% satisfaction is unconditionally guaranteed. If at any time I decide to discontinue service, I will provide written notification to my financial institution. My use of the Bill Paying Service signifies that I have read and accepted all terms and conditions of the Bill Paying Service. I UNDERSTAND that payments may take up to 10 business days to reach the vendor and that they will be sent either electronically or by check. My financial institution is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.

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