Consumer Internet Banking Agreement

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1 Consumer Internet Banking Agreement 1. AGREEMENT. This agreement contains the terms and conditions that govern accessing or using the Consumer Internet Banking, Bill Payment Services, E-bill Service and External Transfer Service (the Services ). When you use the Services you agree to the terms and conditions outlined in this agreement. The agreement will be governed by and interpreted in accordance with all applicable federal and State of Wisconsin laws and regulations. The following rules will apply to the extent there is no applicable federal or State of Wisconsin law or regulation. The terms we, us, our, WSB, and Bank refer to WaterStone Bank SSB. The terms you and your refer to each signer on an account. 2. CHANGES; AMENDMENTS; REVISIONS. We reserve the right, at our discretion, to add, delete, change, modify, alter, or discontinue the Services or any aspect, feature, or function of the Services at any time, including content, hours and equipment needed for access to use the Services. We also reserve the right to change the terms and conditions of this agreement at any time. When material changes are made, we will update this agreement and send you a notice at the address shown on our records, or we may notify you by . Revised terms and conditions shall become effective at the earliest date allowed by applicable law or regulation. A change may be made immediately if necessary to ensure the security of the Services of your account. Any use of any of the Services after we send you a notice of change will constitute your agreement to such change(s). 3. BUSINESS DAY/HOURS OF OPERATIONS. Business Day means Monday through Friday excluding Federal Holidays. Consumer Internet Banking transfers and WSB loan payments may be performed until 10:00 p.m. (CT) on a Business Day. Transactions performed after 10:00 p.m. (CT) on a Business Day will be processed the next Business Day. Bill Payment transactions will be processed if received by 8:00 p.m. (CT) on a Business Day. Bill Payment transactions received after 8:00 p.m. (CT) on a Business Day will be processed the next Business Day. You must make a stop payment order by 9:00 p.m. (CT) on a Business Day in order for it to be effective the same Business Day. Stop payments placed after 9:00 p.m. (CT) on a Business Day will become effective the next Business Day. Stop payment orders must precisely identify the check number, date and amount of the item and the payee. If an External Transfer is scheduled before 6:00 p.m. (CT) on a Business Day, the External Transfer will be processed that Business Day and funds will be posted generally no later than two Business Days after it is processed. 4. EQUIPMENT REQUIREMENTS. You are responsible for obtaining, installing, maintaining and operating all necessary hardware, software and Internet access services (the Equipment ) necessary for performing the Services. We will not be responsible for failures from the malfunction or failure of your Equipment. You will need to obtain system requirements by accessing WSBOnline.com, going to the Resource Center and reviewing the information on Security, System and Hardware Requirements. If you received this document electronically you can access these requirements by clicking on the following link: 5. USER IDS AND PASSWORDS. You can enroll in Consumer Internet Banking and Bill Payment Services from the link on WSBonline.com. We may need to approve you for usage of the Bill Payment Services. You acknowledge and understand that you must establish a user id and password that meets the minimum requirements. You can obtain user id and password requirements by accessing WSBOnline.com, going to the Resource Center and reviewing the information on Security, System and Hardware Requirements. If you received this document electronically you can access these requirements by clicking on the following link: For additional security, the Bank will be using multi-factor authentication at log-in. With your initial log-in, you will be prompted to follow several steps to create authentication. This authentication will uniquely identify you as the user of your Consumer Internet Banking. Page 1 of 5 Rev. 12/12/2018

2 In addition, we strongly recommend the following: Never walk away from your computer while logged in. Memorize your password and user ID; do not write it down. Do not share your password and user ID with anyone. Change your user id and password frequently. 6. TYPES OF SERVICES a. Consumer Internet Banking offers the following services for use with WSB Checking, Savings, Money Market and NOW accounts ( Deposit Accounts ) and most WSB loan accounts ( Loan Accounts ): Funds transfers between Deposit Accounts. Loan payments from Deposit Accounts to most Loan Accounts. Balance inquiry on Deposit Accounts and most Loan Accounts. Review transaction history on Deposit Accounts and most Loan Accounts. You may use Consumer Internet Banking to view copies of checks and Deposit Account statements, place stop payments on checks, download account information to personal financial management software such as Microsoft Money and set up account alerts. b. Bill Payment Pay bills using the Pay One or Pay Many features, each of which allows payments that you enter each time you want to make a payment(s). You schedule the date you want the payment(s) sent. Pay bills using the Recurring Payment feature, which allows you to make recurring payments that are sent automatically on an ongoing basis. You set up the rules about each Recurring Payment s frequency, amount and timing. c. E-bill Allows you to receive bills online in Consumer Internet Banking for eligible Payees. d. External Transfer Allows you to transfer money between most Deposit Accounts you have with WSB and most deposit accounts (Checking, Savings, Money Market and NOW Accounts) you own at other financial institutions provided funds are available in the account you are transferring money from. You are responsible for having sufficient available funds on deposit to execute an External Transfer in full on the scheduled dates. e. Limitations For Consumer Online Banking, Bill Payment Systems and External Transfers Federal Regulation limits the number of transfers and preauthorized electronic transfers to third parties from money market and savings type account. You are limited to six such transfers from each money market and/or savings type account(s) you have during each statement period for each such account for purposes of making a payment to such third parties. If you exceed the transfer limits listed above you may be subject to fees and/or a change in account type. The terms of your account(s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise. We reserve the right to impose limitations for security purposes at any time. Bill payments (Pay One, Pay Many or Recurring Payment(s)) are limited to $9, per item and a total transaction limit of $20,000 in any one Business Day. External Transfers you are limited to 5 deposit accounts at other Financial Institutions that can be linked to your WaterStone Bank accounts and used for External Transfers. External Transfer(s) are limited based upon number and dollar amount as listed below: o 5 Outgoing or Incoming Transfers Per Day o $50,000 Outgoing or Incoming Transfers Per Day o 25 Outgoing or Incoming Transfers Per Month o $250,000 Outgoing or Incoming Transfers Per Month 7. EXTERNAL TRANSFERS. Allows you to transfer money between most Deposit Accounts you have with WSB and most deposit accounts (Checking, Savings, Money Market and NOW Accounts) you own at other financial institutions. External Transfers cannot be made to or from loan accounts. WSB reserves the right to determine if an account is eligible for External Transfers. External Transfers can be scheduled individually or on a recurring basis. We reserve the right to refuse to make an External Transfer, including without limitation, if: i. You do not have funds in the account on the day that you schedule an External Transfer ii. You go outside of set limits for External Transfers listed in this agreement Page 2 of 5 Rev. 12/12/2018

3 8. BILL PAYMENT SERVICES. You authorize us to follow your payment instructions. For a Pay One or Pay Many payment(s), we will deduct your payments(s) from your checking account on the date you set for the payment to be forwarded (the Payment Date ) to the merchant and/or service provider (hereinafter Payee ) or within 2 Business Days of the Payment Date. For Recurring Payments, we will deduct your payment from your account on the start date ( Start Date ) or within 2 Business Days of the start date. We will deduct subsequent payments from your account using the start date as a reference point. We will initiate payments to Payees designated by you. To ensure on-time payments, allow at least 2 Business Days for electronic and 5 Business Days for standard check payments. If a Payee does not accept electronic payments, you authorize us to make payment by check. We may, but need not, deduct these payments from your designated account even if they create an overdraft. The date a Payee credits a payment depends upon the Payee s payment processing procedures and any specific requirements for payments, as well as delays in receiving a payment. We will not be responsible for: delays in crediting payments by a Payee that are the result of their procedures; your failure to follow a Payee s payment requirements; your failure to schedule a proper date for payment sufficiently in advance of the date a payment is due; delays in any mail service; or other exceptions stated in this Agreement. If you follow the procedures in this agreement and help screens, and we fail to send a payment on the Payment Date or other scheduled payment date, we will reimburse you for any late charge penalty assessed by a Payee because your payment was received late. In any other event, the risk of incurring and the responsibility for paying any and all late charges or other damages or penalties shall be borne by you. If you believe you are entitled to a reimbursement for a late charge penalty please contact us at You authorize us to make payments by electronic, paper or other means we determine appropriate. Upon termination of the bill payment service by either party, you will be responsible for making arrangements to pay any future or Recurring Payments. We reserve the right to refuse to pay a Payee for reasons we deem sufficient, including, without limitation, if: your designated account has insufficient available funds, a Payee has refused to accept a payment, you attempt to make a payment to a governmental agency or to a Payee outside of the United States or a U.S. territory, or you attempt to make a court-directed alimony or support payment You are responsible for having sufficient available funds on deposit to make payments in full on scheduled dates. 9. E-BILL SERVICES. E-bill allows you to receive bills in Consumer Internet Banking from participating Payees. You will be required to register with each Payee in order to receive E-bills from that Payee. Each Payee establishes their own independent criteria for reviewing your request to receive E-bills and each Payee has the sole discretion to accept or decline your request to receive E-bills. We are not able to update or change any information that you provide to the Payee including, but not limited to, name, address, phone number, address. In order to change information that you have provided to any Payee, you will need to contact the Payee directly. You acknowledge and understand that we will require certain login information pertaining to you or your account with the Payee when you register for an E-bill. By providing us with this information, you authorize us to use the information to obtain your bill from the Payee. It is your responsibility to maintain all usernames and passwords that you have established for each Payee. When you activate an E-bill, we will notify each designated Payee of your request to receive an E-bill. The receipt of your first E-bill may vary from Payee to Payee and it will typically arrive within the billing cycle that follows the month in which an E-bill is activated with each Payee. While your E-bill is being activated it is your responsibility to keep your accounts current. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. You may cancel an E-bill at any time. The effective date of cancellation may vary from Payee to Payee. It is your sole responsibility to make arrangements with the Payee for an alternative form of bill delivery. We will not be Page 3 of 5 Rev. 12/12/2018

4 responsible for presenting any E-bills that are already in process at the time of cancellation. The Payee also reserves the right to cancel the presentment of E-bills at any time. We are not responsible for the accuracy of your E-bill. We are only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your E-bill or details of your E- bill must be addressed with the Payee directly. You understand that an E-bill is dependent upon delivery of your billing information from your Payee. You agree to hold the Bank harmless should the Payee fail to deliver your E-bill. If you do not receive an E-bill, it is your responsibility to contact the Payee directly. Copies of previously delivered E-bills must be requested from the Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payee. 10. FINANCIAL INSTITUTION S LIABILITY. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will not be liable, for instance: If through no fault of ours, you do not have enough money in your account to make the transfer. If the transfer would result in you exceeding the credit limit on your line of credit, if you have one. If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. If we have terminated our agreement with you. If we receive inaccurate or incomplete information needed to complete a transaction. In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer. If the funds in the account are subject to legal action preventing a transfer to or from your account. There may be other exceptions provided by applicable law. 11. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS. Notification should be made as soon as possible if you think your statement or transaction is incorrect. You may contact us by calling Or By writing us at: WaterStone Bank SSB West Plank Court Wauwatosa, Wisconsin Notification should be made as soon as possible if you think your statement is wrong or if you need more information about a transaction listed on the statement. You must contact WaterStone Bank SSB no later than 60 days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: Your name and account number A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. The dollar amount of the suspected error If you provide oral notice, you may be required to send in your compliant or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty business (20) days for new accounts) for the amount which you think is in error, so that you will have Page 4 of 5 Rev. 12/12/2018

5 the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was not error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. 12. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your Consumer Internet Banking password has been lost or stolen you should call us at (Monday - Friday 8:30 a.m. to 5:30 p.m. CST and Saturday 8:30 a.m. to 12:00 p.m. CST). Telephoning is the best way of keeping your possible losses down. 13. CONSUMER LIABILITY. If you tell us within two (2) business days after you learn of the loss or theft of your Consumer Internet Banking password you can lose no more than fifty dollars ($50) if someone used your Consumer Internet Banking without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Consumer Internet Banking password and we can prove we could have stopped someone from using your Consumer Internet Banking without your permission if you had given us notice, you can lose as much as fifty dollars ($50.00). If your statement shows transfers you did not make, including those made by Consumer Internet Banking, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods. 14. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. We may charge you for electronic fund transfers according to our fee schedule, which is subject to change from time to time. The fee schedule is provided to you at the time of account opening and at the time a new electronic funds transfer service is requested. You may obtain an updated fee schedule at any branch location. 15. DISCLOSURE OF ACCOUNT INFORMATION. We will disclose information to third parties about your account or electronic funds transfers made to your account: Where necessary to complete a transfer or investigate and resolve errors involving the transfer(s); 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 If you give us your permission in a record or writing. 16. MISCELANEOUS. If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly. You agree that anyone with an ownership interest in your accounts, including joint accounts, may have access to those accounts. A statement period (aka statement cycle) may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please contact any WaterStone Bank SSB bank office. Your account is also governed by the terms and conditions of other applicable agreements between you and WaterStone Bank SSB. Page 5 of 5 Rev. 12/12/2018

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