Internet Banking Agreement and Disclosure Statement

Transcription

1 Internet Banking Agreement and Disclsure Statement This agreement cntains the terms and cnditins that gvern accessing r using Internet Banking (NetTeller), Mbile Banking, Bill Payer, On Demand Transfer, and Persn t Persn (P2P) Services (the Services ). When yu use the Services yu agree t the terms and cnditins utlined in this agreement. The agreement will be gverned by and interpreted in accrdance with all applicable federal and State f Wiscnsin laws and regulatins. The fllwing rules will apply t the extent there is n applicable federal r State f Wiscnsin law r regulatin. The terms we, us, ur, and Bank refer t Citizens Bank. Yu and yur mean each persn wh establishes a NetTeller Accunt with us r wh uses r is authrized t use a NetTeller identificatin number and passwrd r ther means f access we establish r apprve. The term NetTeller means ur service that allws yu t make payments, transfer funds, access accunts, btain infrmatin and perfrm ther transactins ver the Internet by use f a persnal cmputer, mbile phne and/r ther means we authrize r allw. Unauthrized use f these systems is strictly prhibited and is subject t prsecutin under the Cmputer Fraud and Abuse Act f 1986 and Title 18, U.S. Cde Sec and Bank r its Service Prvider may mnitr and audit usage f this system. Yu are hereby ntified that the use f this system cnstitutes cnsent t such mnitring and auditing. Yu als agree that this disclsure will act as an ("E-Sign Agreement") that applies t all cmmunicatins, dcuments, disclsures and electrnic signatures related t the prducts, services and transfers ffered r accessible thrugh the Services ffered by the Bank fr all cardhlders, authrized users, accunt wners, accunt signers, applicants, and any ther persn using this Service as a Sender r Recipient r registering t use this Service. Yu specifically agree that any electrnic signature that yu prvide thrugh this nline prcess is valid and enfrceable as yur legal signature. Yu acknwledge that these electrnic signature(s) will legally bind yu t the terms and cnditins cntained in the E-Sign Agreement just as if yu had physically signed the same dcument(s) with a pen. BUSINESS DAY/HOURS OF OPERATIONS Business Day means Mnday thrugh Friday excluding Federal Hlidays. NetTeller transfers and Citizens Bank lan payments may be perfrmed until 7:00 pm Central Time (CT) n a Business Day. Transactins perfrmed after 7:00 pm (CT) n a Business Day will be prcessed the next Business Day. Bill Payer transactins will be prcessed if received by 2:00 pm (CT) n a Business Day. Bill Payment transactins received after 2:00 pm (CT) n a Business Day will be prcessed the next Business Day. Prcessing ccurs twice daily the first f the day at 7:00 am (CT), the secnd at 2:00 pm (CT). The payment will be prcessed n the date scheduled at the earliest pssible prcessing time. If the payment was scheduled with tday s date and the last prcessing time has passed, the payment will be prcessed at the next pssible prcessing time. Fr example: Payment scheduled with tday s date and entered at 9:00 am (CT): Payment will prcess tday at 2:00 pm (CT). Payment scheduled with tday s date and entered at 3:00 pm (CT): Payment date will display tmrrw s date and will prcess at 7:00 am (CT). Payment scheduled with future date, regardless f time entered: Payment will prcess at 7:00 am (CT) n the scheduled date. Payments d nt get prcessed n hlidays r weekends. If a scheduled payment falls n a hliday r weekend, it will be prcessed based n the Pay Befre r Pay After setting within that payment s setup. The setting f Pay Befre will prcess the payment n the first Business Day prir t the riginal prcessing date. The setting f Pay After will prcess the payment n the first Business Day after the riginal prcessing date. Yu must make a stp payment rder by 7:00 pm (CT) n a Business Day in rder fr it t be effective the same Business Day. Stp payments placed after 7:00 pm (CT) n a Business Day will becme effective the next Business Day. Stp payment rders must precisely identify the number, date and amunt f the item and the payee. If an On Demand Transfer (External Transfer) is scheduled befre 1:00 pm (CT) n a Business Day, the transfer will be prcessed that Business Day and funds will be psted generally n later than tw Business Days after it is prcessed. Persn t Persn (P2P) transfers can be made at any time. If the recipient uses their Debit Card number t accept payment, funds will be made available by the end f the Business Day. If the recipient uses an accunt and ruting number t accept payment,

2 the Transfer Instructins shall be received pursuant t the terms f this Agreement, and the rules f the Natinal Autmated Clearing Huse Assciatin ("NACHA") and the applicable autmated clearing huse, as well as any EFT Netwrk, r netwrks, utilized t autmate the transfer f funds and gverned by Regulatin E, (cllectively, the "Rules"). The parties agree t be bund by such Rules as in effect frm time t time. In accrdance with such Rules, any credit t an Accunt shall be prvisinal until the Bank r the third party institutin, which hlds the accunt, has finally settled such credit. HARDWARE, SOFTWARE AND OPERATING SYSTEM REQUIRED Yu are respnsible fr btaining, installing, maintaining and perating all sftware, hardware r ther equipment (cllectively, "Systems") necessary fr yu t access and use the Services. This respnsibility includes, withut limitatin, yur utilizing up t date web brwsers and access devices and the best cmmercially available encryptin, antivirus, anti-spyware, and internet security sftware. The Bank is nt respnsible fr viruses r related prblems assciated with use f these nline systems. Supprted Operating Systems: Windws Win 7 SP1, Win 8, 8.1 and Win 10 Apple Macintsh Mac OS X 10.5, Mac OS X 10.6 Snw Lepard, OS X Lin, OS X Muntain Lin, OS X Mavericks, OS X Ysemite, OS X El Capitan, macos Sierra, macos High Sierra Internet Brwser with 128-bit encryptin: Our supprted brwser ntice can be viewed at: Native Mbile Apps Only the Citizens Bank WI Mbile Banking App fr iphne r Citizens Bank WI Mbile Banking App fr ipad, available n the App Stre, r the Citizens Bank WI Mbile Banking App fr Andrid, available n Ggle Play, are supprted. Yu are additinally respnsible fr btaining Internet services via the Internet service prvider f yur chice, fr any and all fees impsed by such Internet service prvider and any assciated cmmunicatins service prvider charges. Yu acknwledge that there are certain security, crruptin, transmissin errr, and access availability risks assciated with using pen netwrks such as the Internet and yu hereby expressly assume such risks, including, but nt limited t thse we may disclse in ur educatinal materials. Yu acknwledge that yu are respnsible fr the data security f the Systems used t access NetTeller, and fr the transmissin and receipt f infrmatin using such Systems. IDENTIFICATION NUMBER AND PASSWORD T access ur NetTeller service, yu must use the identificatin number and/r ther means f access we establish r prvide fr yur NetTeller Accunt, tgether with a passwrd. Anyne t whm yu give yur NetTeller identificatin number and passwrd r ther means f access will have full access t yur accunts even if yu attempt t limit that persn's authrity. INTERNET FUNDING ACCOUNT Yu may nt designate any accunt that requires mre than ne signature fr withdrawals. Yu must be the wner f this accunt. NETTELLER SERVICES Yu r smene yu have authrized by giving them yur NetTeller identificatin number (ID) and passwrd r ther means f access (even if that persn exceeds yur authrity), can perfrm the fllwing transactins via ur Internet Banking and Mbile Banking services: View details n Depsit Accunts and mst lans View histry n Depsit Accunts and mst lans Balance inquiries n Depsit Accunts and mst lans Transfer f funds between qualifying Citizens Bank accunts Lan Payments frm Depsit Accunts t mst Lan Accunts Perfrm ther transactins that we authrize Yu may use NetTeller t view cpies f checks and Depsit Accunt statements, place stp payments n checks, dwnlad accunt infrmatin t persnal financial management sftware such as Quicken and set up accunt alerts. Fr security reasns, yur NetTeller ID will becme drmant after 120 days f inactivity Bill Payer Bill Payer allws yu t enter and schedule the date f payments yu want t make. A recurring scheduled payment can be set up in advance t any date in the future. A ne time payment can be set up t be prcessed up t 18 mnths in the future. On Demand Transfer Allws yu t transfer mney between mst depsit accunts yu have with Citizens Bank and mst depsit accunts (Checking, Savings, Mney Market and NOW Accunts) yu wn at ther financial institutins prvided funds are available in the accunt yu are transferring mney frm. Yu are respnsible fr having sufficient available funds n depsit t execute an External Transfer in full n the scheduled dates. Access t On Demand Transfer may be stpped after 90 days f inactivity.

3 Persn t Persn (P2P) Transfer Allws yu t transfer mney frm any Checking Accunt attached t a Debit Card yu have with Citizens Bank t an accunt lcated at Citizens Bank r anther Financial Institutin.. Yu are respnsible fr having sufficient available funds n depsit t execute an External Transfer in full n the scheduled date. Limitatins fr NetTeller Banking, Bill Payer, On Demand Transfer, and Persn t Persn (P2P) Transfer Yu must have enugh available mney r credit in any Depsit Accunt frm which yu instruct us t make a payment r transfer. Federal Regulatin limits the number f transfers and preauthrized electrnic transfers t third parties frm Mney Market and Savings type Accunt(s). Yu are limited t six such transfers frm each Mney Market and/r Savings type Accunt(s) yu have per mnth fr each such accunt fr purpses f making a payment t such third parties. Check payments are limited t $999, payments are limited t $3, per payment with a cap f $10, per day. Electrnic payments are validated against the available accunt balance prir t prcessing with a maximum limit f: Bill Payer: $999, On Demand Transfers: Limit as indicated n On Demand Transfer applicatin. The minimum amunt that can be sent fr either check r electrnic is $0.01. On Demand Transfer can nly be used by Cnsumers. Businesses are nt allwed t use this Service. Persn t Persn (P2P) transfers can nly be used by Cnsumers. Businesses are nt allwed t use this Service. Persn t Persn (P2P) transfers are limited t yur available balance prir t prcessing with a maximum limit f: $ per 24 hur time frame fr a cnsumer. Yu must have an active Debit Card in rder t perfrm P2P transfers. The Bank may establish a limit n the number f P2P transfers and n the ttal dllar amunt f transfers that can be attempted r cmpleted in ne day. Mbile Services Yur enrllment in NetTeller may include access t sme prducts and services thrugh a mbile device ("Mbile Services"). By using the Mbile Services, yu agree t the fllwing terms. Yu agree that we may send yu infrmatin relative t Mbile Services thrugh yur cmmunicatin service prvider in rder t deliver them t yu and that yur cmmunicatin service prvider is acting as yur agent in this capacity. Yu agree t prvide a valid phne number, e- mail address r ther delivery lcatin s that we may send yu certain infrmatin abut yur applicable accunt r therwise related t the Mbile Services. Additinally, yu agree t indemnify, defend and hld us harmless frm and against any and all claims, lsses, liability, cst and expenses (including reasnable attrneys' fees) arising frm yur prvisin f a phne number, address, r ther delivery lcatin that is nt yur wn r yur vilatin f applicable Federal, state r lcal law, regulatin r rdinance. Yur bligatin under this paragraph shall survive terminatin f the Agreement. The Mbile Services are prvided fr yur cnvenience and d nt replace yur mnthly accunt statement(s), which are the fficial recrd f yur accunts. Delivery and receipt f infrmatin, including instructins fr payment, transfer and ther mve mney transactins, thrugh the Mbile Services may be delayed r impacted by factr(s) pertaining t yur Internet service prvider(s), phne carriers, ther parties, r because f ther reasns utside f ur cntrl. We will nt be liable fr lsses r damages arising frm any disclsure f accunt infrmatin t third parties, nn-delivery, delayed delivery, misdirected delivery r mishandling f, r inaccurate cntent in, infrmatin and instructins sent thrugh the Mbile Services. We reserve the right t determine yur eligibility fr any prduct, service, r functinality. The methd f entering instructins via the Mbile Services may als differ frm the methd f entering instructins directly thrugh NetTeller withut the use f a mbile device We are nt respnsible fr such differences, whether r nt attributable t yur use f the Mbile Services. Additinally, yu agree that neither we nr ur service prviders will be liable fr any errrs r delays in the cntent, r fr any actins taken in reliance theren. Yu are respnsible fr any and all charges, including, but nt limited t, fees assciated with text messaging impsed by yur cmmunicatins service prvider. We are nt respnsible fr any damages resulting frm yur failure t cmply with any terms and cnditins prvided by yur cmmunicatin service prvider r any app stre. Yu may use ur Native apps fr the iphne, ipad, and Andrid devices. These can be dwnladed frm the varius app stres fr yur device. BILL PAYMENT SERVICES (BILL PAYER) Yu authrize us t fllw yur payment instructins. Electrnic Payments - fr a Pay One r Pay Many payment(s), we will deduct yur payments(s) frm yur Checking Accunt n the date yu set fr the payment t be frwarded t the payee (the Payment Date ) r within 2 Business Days f the Payment Date. Fr Recurring Payments, we will deduct yur payment frm yur accunt n the start date ( Start Date ) r within 2 Business Days f the start date. We will deduct subsequent payments frm yur accunt using the start date as a reference pint. Check Payments - fr payments that are prcessed via check(s), the funds will be deducted frm yur accunt when the issued check fr that payment gets presented against yur accunt. We will initiate payments t payees designated by yu. T ensure n-time payments, allw at least 3 Business Days fr electrnic and 7 Business Days fr standard check payments. If a payee des nt accept electrnic payments, yu authrize us t make payment by check. We may, but need nt, deduct these payments frm yur designated accunt even if they create an verdraft.

4 The date a payee credits a payment depends upn the payee s payment prcessing prcedures and any specific requirements fr payments, as well as delays in receiving a payment. We will nt be respnsible fr: delays in crediting payments by a payee that are the result f their prcedures; yur failure t fllw a payee s payment requirements; yur failure t schedule a prper date fr payment sufficiently in advance f the date a payment is due; delays in any mail service; r ther exceptins stated in this Agreement. Yu authrize us t make payments by electrnic, paper r ther means we determine apprpriate. Upn terminatin f the bill payment service by either party, yu will be respnsible fr making arrangements t pay any future r Recurring Payments. We reserve the right t refuse t pay a payee fr reasns we deem sufficient, including, withut limitatin, if: yur designated accunt has insufficient available funds, a payee has refused t accept a payment, yu attempt t make a payment t a gvernmental agency r t a payee utside f the United States r a U.S. territry, yu attempt t make a curt-directed alimny r supprt payment, r yur Bill Payer accunt becmes inactive fr greater than 90 days Yu are respnsible fr having sufficient available funds n depsit t make payments in full n scheduled dates. PERSON TO PERSON (P2P) SERVICES Yu agree t receive all legal and regulatry ntices, disclsures and ther cmmunicatins assciated with this Service thrugh electrnic means including web-based electrnic interface, mbile phne interface r . T use this Service yu must prvide yur current address s that we can send yu imprtant infrmatin related t yur use f this Service. Yu may review and update the persnal infrmatin maintained abut yu in the "Manage Prfile" sectin f the P2P feature at any time t ensure that it is accurate. Ntice is given t the Recipient by the Sender prviding the Recipient's address r mbile phne number. Yu may riginate these Transfers by use f a cmputer r a mbile smart phne. T use this Service yu are prviding infrmatin t ur Service Prvider frm yur mbile phne, desktp, laptp, r ther cmputer. Service Prvider is a vendr f the Bank. Funds may be transferred t any accunt in the United States as lng as the Transfer is legal and allwed by the financial institutins invlved. Individuals with a Debit Card issued by Bank are eligible t use this Service t send funds t a Recipient. Any individual with an accunt in the United States that may receive POS r ACH transactins may use this Service t receive funds that are transferred by the Sender. Other restrictins and eligibility requirements apply as described in this Agreement r ther disclsures. Bank des nt knwingly cllect any persnal infrmatin frm r abut individuals. Please d nt submit such infrmatin t the Bank, and as a parent r legal guardian, please d nt allw yur children t submit persnal infrmatin withut yur permissin. By using the Site r the Service, yu represent that yu meet these requirements. Yu may make ne-time Transfers by entering yur Debit Card(s) in the P2P feature f the mbile app. The Sender prvides the Recipient's address r mbile phne number, and the Service uses this infrmatin t ntify the Recipient. A Recipient must accept the Transfer within 10 days, r the Transfer will be cancelled and reversed. During this perid, funds will be remved frm the Sender's Accunt fr the amunt f the Transfer and the fee. Once the Recipient has successfully accepted the Transfer, funds will be sent t the Recipient s financial institutin fr depsit t the Recipient's accunt. If the Sender and Recipient are bth Bank custmers enrlled in the Service, Transfers will be immediately debited frm the Sender's Accunt and reflected in the Recipient's Accunt. If the Sender and Recipient are custmers f different financial institutins, Transfers will be immediately debited frm the Sender's Accunt and will be delivered t the Recipient's financial institutin nce claimed. Bank is nt respnsible fr any failure f anther financial institutin t timely credit its custmer's accunt. Yu acknwledge and agree that Transfers will be cmpleted using nly the address r mbile phne number yu enter even if it identifies a persn different frm yur intended Recipient. The name yu enter will help yu identify yur intended Recipient in the Transactin Histry area f the P2P feature. Yu must accurately enter the Recipient's address r mbile phne number since yur bligatin t pay fr the Transfer will nt be excused by an errr in the infrmatin yu enter. Transfer Instructins relating t external accunts and the transmissin and issuance f data related t such Transfer Instructins shall be received pursuant t the terms f this Agreement, and the rules f the Natinal Autmated Clearing Huse Assciatin ("NACHA") and the applicable autmated clearing huse, as well as any EFT Netwrk, r netwrks, utilized t autmate the transfer f funds and gverned by Regulatin E, (cllectively, the "Rules"). The parties agree t be bund by such Rules as in effect frm time t time. In accrdance with such Rules, any credit t an Accunt shall be prvisinal until the Bank r the third party institutin, which hlds the accunt, has finally settled such credit. It is the respnsibility f the Sender and Recipient f funds t prvide accurate infrmatin. Yu agree that yu as Sender are authrized t withdraw r as Recipient are authrized t depsit funds int the Accunts whse numbers yu prvide r int the

5 Accunts assciated with the card number yu are prviding. Yu authrize the Bank, directly r thrugh third parties, t make any inquires cnsidered necessary t validate yur identity. This may include asking yu fr further infrmatin, requiring yu t take steps t cnfirm wnership f yur address r financial instruments, rdering a credit reprt and verifying yur infrmatin against third party databases r thrugh ther surces. Yu authrize the Bank t debit yur accunt t cmplete the Transfer yu request. If yu are receiving funds, yu authrize the crediting f yur accunt using card netwrks r NACHA. By using this Service, yu, as the Sender, authrize the sending f an r text message instructing the Recipient hw t receive the funds that yu are sending. Yu are further authrizing any Recipient f this message t act n the instructins t receive the funds yu are sending. Yu acknwledge that any party receiving the message at the address yu prvide r text message at the mbile phne number yu prvide may btain the funds yu are sending. Yu acknwledge and agree that we are nt respnsible fr determining the identity f the party wh receives the r text message and acts upn the r text message yu prvide. Yur funds may nt reach the intended Recipient because f errrs made by the Sender r Recipient and yu culd lse all the funds. The funds that are credited t the accunt cannt be recalled by us. If yu suspect that yu have entered infrmatin incrrectly, call us immediately and we may be able t cancel the Transfer. We have n bligatin t cancel the Transfer r t reimburse funds that were transferred accrding t the Sender s instructins. Furthermre, we may reject any Transfer request and may terminate yur use f this Service fr any reasn including attempting insufficient funded Transfers. By using this Service yu as the Recipient are cnfirming that yu are the persn t whm the Sender intends t transfer funds. As the Recipient, yu will be asked t prvide yur Debit Card infrmatin that will be used t transfer funds t yur Accunt. If yu chse nt t prvide yur Debit Card infrmatin r yur institutin des nt participate, yu will be asked t prvide accunt infrmatin including accunt number and ruting infrmatin fr yur financial institutin. In this case the funds will be transferred thrugh the Autmated Clearing Huse. It is imprtant that yu enter accurate infrmatin. Yu agree that the Bank, the receiving financial institutin and ur Service Prvider may rely slely n the instructins yu prvide. If yu enter inaccurate cardhlder r accunt number infrmatin the funds may be depsited int anther persn s accunt. Yu acknwledge that the financial institutin may make the depsit based n the accunt number r card number yu prvide even if thse numbers d nt crrelate t the name that yu prvide. Retrieval f these funds will be the Recipient s respnsibility t wrk with the financial institutin t which the funds were sent. Yu may lse all the funds that were transferred. The funds that are credited t the accunt cannt be recalled by us. If yu suspect that yu have entered infrmatin incrrectly r that yu have received funds in errr, call us immediately and we may attempt t cancel the transactin. We have n bligatin t cancel the Transfer r t reimburse funds that were transferred accrding t the Recipient s instructins. By using this Service yu agree that yu are the intended Recipient f the r text message and that yu are the intended Recipient f the funds. If yu are nt the persn t whm the funds are intended then yu agree t take n further actin. Yu understand that it is a federal felny t use anther persn's identificatin with the intent t cmmit unlawful activity. Yu represent that the infrmatin yu are prviding is yur true and crrect infrmatin. If any infrmatin yu prvide is fraudulent, the Bank reserves the right t recver all csts r lsses frm yu, regardless f whether such csts r lsses are incurred directly r indirectly. Funds may be transferred frm the accunt frm which the debit card is authrized t transfer funds. Such transfers may verdraft yur accunt and may result in a transfer frm anther accunt t cver the verdraft. In any f these situatins, a transfer fee may be charged, as applicable. Yu may be denied service fr insufficient funds in yur accunt. Yu will be respnsible fr any ther transactin fees that apply t yur Accunt. When receiving the funds, by clicking the check bx; I accept the terms f service, yu are electrnically signing this Agreement and are bund by it. Yu authrize us t debit yur accunt t cmplete the Transfer yu request. If yu are receiving funds, yu authrize the Bank t credit yur Accunt using card netwrks/switches r NACHA. Other events may affect the timing r success f a Transfer reaching the intended Recipient. Such events may include, but are nt limited t, errrs made by the Sender r Recipient in entering infrmatin, inaccurate accunt r card number infrmatin, delays in psting by the receiving institutin, acts f Gd, and netwrk and NACHA interruptins. If we believe the Transfer may be illegal, we may decline r reverse the Transfer. The receiving institutin may chse nt t pst the Transfer r t delay psting the Transfer. Neither the Bank nr the Service Prvider is respnsible fr any delays in the Transfer f funds r the psting f funds t the Recipient s Accunt. Yu may have certain rights and respnsibilities regarding the failure t timely pst transactins and yu are encuraged t pursue dispute reslutin with the receiving financial institutin. Financial institutins have rules and regulatins that gvern their accunts. Sme f these regulatins may nt allw a POS r ACH transfer f funds. Yu are respnsible fr ensuring that these types f Transfers are allwed fr the Accunt that yu specify. Fr example, an IRA may nt allw electrnic transfers directly int the Accunt. We are nt respnsible fr any actin r lack f actin taken by the financial institutin that delays, inhibits, r prevents the psting f the Transfer t the Accunt.

6 BILL PAYMENT AND TRANSFER SERVICE FEES Bill Payer Service: There may be a fee fr making payments using the Bill Payer Service. Please refer t the Bank's "Fee Schedule" fr fees relating t the Bill Payer Service. Fees are subject t change frm time t time upn ntice t yu as may be required by law. If we prcess a payment in accrdance with yur Instructins that verdraws yur accunt, we may assess a fee r charge interest fr any such verdraft in accrdance with the terms f yur Depsit Accunt Agreement. We will nt be liable fr failure t pay any bill payment request unless it is drawn against available funds credited t the designated Pay Frm accunt. Internal Transfer Service Fees: If we prcess an Internal Transfer in accrdance with yur instructins that verdraws yur accunt, we may assess a fee r charge interest fr any such verdraft in accrdance with the terms f yur Depsit Accunt Agreement. On Demand Transfer Service Fees: There may be a fee fr making utging and incming Transfers using the On Demand Transfer Service. Please refer t the Bank's "Fee Schedule" fr fees relating t the On Demand Transfer Service. Fees are subject t change frm time t time upn ntice t yu as may be required by law. If we prcess a transfer in accrdance with yur Instructins that verdraws yur accunt, we may assess a fee r charge interest fr any such verdraft in accrdance with the terms f yur Depsit Accunt Agreement. If we prcess a transfer in accrdance with yur Instructins that verdraws yur accunt at anther Financial Institutin, they may assess a fee r charge interest fr any such verdraft in accrdance with the terms f yur Depsit Accunt Agreement with the ther Financial Institutin. Yu will nt hld Citizens Bank respnsible t pay any fees r charges assessed by yur ther Financial Institutin. Yu will be respnsible fr paying any telephne cmpany r utility charges and/r Internet access service fees incurred while using telephne lines and/r Internet access services t cnnect with NetTeller. If yu use persnal financial management sftware t access yur accunts (such as Quicken ), a fee may be charged fr the use f thse services and additinal service terms and cnditins may apply. Persn t Persn (P2P) Service Fees: There is n fee fr making a P2P transfer r using the Service. Fees are subject t change frm time t time upn ntice t yu as may be required by law. Please nte that yur mbile carrier may charge yu fr text messaging r fr use f yur mbile phne s data usage. Please check yur mbile service agreement fr details n applicable fees. The Transfer receiver s institutin may have limits n the number and type f Transfers allwed and may als charge a transactin fee t the recipient. Yu will nt hld Citizens Bank respnsible t pay any fees r charges assessed by anther Financial Institutin. OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS If yu fllw the prcedures in this agreement and help screens, and we fail t send a payment n the Payment Date r ther scheduled payment date, we will reimburse yu fr any late charge penalty assessed by a Payee because yur payment was received late. In any ther event, the risk f incurring and the respnsibility fr paying any and all late charges r ther damages r penalties shall be brne by yu. If we d nt cmplete a payment r transfer n time r in the crrect amunt accrding t ur agreement with yu, we will be liable fr yur lsses r damages as prvided by law. Hwever, there are exceptins. We will NOT be liable, fr instance: If, thrugh n fault f urs, yu d nt have enugh available mney in the accunt frm which a payment r transfer is t be made, r if the accunt has been clsed r is nt in gd standing, r if we reverse a payment r transfer because f insufficient funds. If any payment r transfer wuld g ver the credit limit f any accunt. If yur equipment r urs was nt wrking prperly and the breakdwn shuld have been apparent t yu when yu attempted t cnduct the transactin. If yu have nt given us cmplete, crrect r current accunt numbers r ther identifying infrmatin s that we can prperly credit yur accunt r therwise cmplete the transactin. If yu d nt prperly fllw ur instructins r if yu prvide us with wrng r inaccurate infrmatin r fail t crrect r tell us abut any inaccuracy f which yu are aware. If yu d nt instruct us sn enugh fr yur payment r transfer t be received and credited by the time it is due. If the mney in the accunt frm which a payment r transfer is t be made is subject t legal prcess r ther claim restricts the transactin. If circumstances r persns beynd ur cntrl (such as fire r fld, cmputer r machine breakdwn, r failure r interruptin f cmmunicatins facilities) prevent, delay, intercept r alter the transactin, despite reasnable precautins that we have taken. There may be ther exceptins prvided by applicable law. If yu believe yu are entitled t a reimbursement fr a late charge penalty please cntact us at during nrmal business hurs. Yu agree t indemnify, defend, and hld the Bank and its affiliates, fficers, directrs, emplyees, cnsultants, agents, service prviders and licensrs harmless frm any and all third party claims, liability, damages, and/r csts (including but nt limited t

7 reasnable attrneys fees) arising frm yur use f the Service, ur reliance n the Transfer instructins and ther infrmatin yu prvide, the perfrmance r nn-perfrmance f ther financial institutins, r ther signers, wners r users f yur Accunts. STATEMENTS Yur Internet Banking payments and transfers will be indicated n the statement we prvide r make accessible t yu fr the Internet Funding Accunt. Yu agree t ntify us prmptly if yu change yur address r if yu believe there are any errrs r unauthrized transactins n any statement, r statement infrmatin. YOUR LIABILITY Yu agree t the terms f this accunt and the "Fee Schedule" that may be impsed. Yu authrize us t deduct these charges as accrued directly frm the accunt balance. Yu are liable fr all transactins that yu make r authrize, even if the persn yu authrize exceeds yur authrity. If yu have given smene yur Internet Banking identificatin number and passwrd r ther means f access and want t terminate that persn's authrity yu must change yur identificatin number and passwrd r ther means f access r take additinal steps t prevent further access by such persn. LIMITATIONS OF WARRANTIES THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OR CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE. THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF THE BANK AND ITS AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, BUT NOT LIMITED TO, ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS OR OTHER REASONS. LIMITATION OF LIABILITY IN NO EVENT SHALL THE BANK OR ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS CONSUMER ACCOUNTS ONLY If yu think yur statement r receipt is wrng, r yu need mre infrmatin abut a transactin n yur statement, write us at: Citizens Bank P.O. Bx 223 Mukwnag, WI Or, yu may send us a secure thrugh yur NetTeller accunt r secure message using the Cntact Us applicatin frm ur website, In yur letter, give us the fllwing infrmatin: Yur name and accunt number. A brief descriptin f the errr r transactin yu are unsure abut and an explanatin why yu believe there is an errr r why yu need mre infrmatin. The dllar amunt f the suspected errr. Yu can als telephne us at , but ding s will nt preserve yur rights. We must hear frm yu n later than 60 days after we sent yu the first statement n which the errr r prblem appeared.

8 If yu tld us f yur cmplaint r questin rally, we may require that yu send us yur cmplaint r questin in writing within 10 business days. If we d nt receive yur written cmplaint r questin within 10 business days, we may nt prvisinally credit yur accunt. We will investigate yur cmplaint and crrect any errr prmptly. If we take mre than 10 business days t investigate, we will credit yur accunt fr the amunt yu think is in errr; s that yu will have the use f the mney during the time it takes us t cmplete ur investigatin. If we need mre time, hwever, we may take up t 45 calendar days t investigate yur cmplaint r questin. In the case f pint f sale transactins and freign-initiated electrnic fund transfers, we may take up t 90 calendar days t cmplete ur investigatin. If we decide t d this, we will prvisinally reaccredit yur accunt within 10 business days fr the amunt in questin. If a claim is made within 30 calendar days f pening an accunt, we may take up t 90 calendar days t investigate yur cmplaint. If we decide t d this, we will prvisinally credit yur accunt within 20 business days fr the amunt in questin. If we determine there is n errr, we will send yu a written explanatin within 3 business days after we finish ur investigatin. Yu may ask fr cpies f the dcuments used in the investigatin. ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS BUSINESS ACCOUNTS ONLY In case f errrs r questins abut yur electrnic transfers r payments yu shuld cntact us as sn as yu can by calling at r writing us at: Citizens Bank P. O. Bx 223 Mukwnag, WI Or, yu may send us a secure thrugh yur NetTeller accunt r secure message using the Cntact Us applicatin frm ur website, If yu think that yur statement is wrng r yu need mre infrmatin abut a transfer r payment listed n the statement we must hear frm yu n later than sixty (60) days after we sent r therwise made available t yu the first statement n which the prblem r errr appeared. Failure t s ntify us will preclude yu frm being able t assert a claim based n such prblem r errr. Any errrs reprted t us will be investigated by us and we will advise yu f the results f ur investigatin. In case f errrs r questins abut yur electrnic transfers that appear n yur External Accunt statements, please cntact the financial institutin that prvided such statement t yu in accrdance with the terms and cnditins f yur External Accunt. DISCLOSURE OF ACCOUNT INFORMATION We will disclse infrmatin t third parties abut yur accunt r electrnic funds transfers made t yur accunt: Where necessary t cmplete a transfer r investigate and reslve any errrs invlving the transfer(s); r In rder t verify the existence and cnditin f yur accunt fr a third party such as a credit bureau r merchant; r In rder t cmply with gvernment agency r curt rders, subpenas, summns, warrants r ther lawful prcess; r With yur cnsent LOSS OR THEFT OF YOUR NETTELLER IDENTIFICATION NUMBER OR PASSWORD If yu believe yur NetTeller identificatin number, passwrd r ther means f access have been lst, stlen r that smene has used them withut yur authrizatin, cntact us n nrmal business days, excluding hlidays: Between 8:30 a.m. and 5:00 p.m. Mnday Friday call us at Between 5:00 p.m. and 7:00 p.m. Mnday Friday call ne f ur In-Stre branches Between 9:00 a.m. and 5:00 p.m. n Saturdays call ne f ur In-Stre branches Between 9:00 a.m. and 3:00 p.m. n Sundays call ne f ur In-Stre branches In-Stre Branches East Try Office: Muskeg Office: Parkview Office: Or yu may us at: ONLINESUPPORT@CITIZENBANK.COM We will send an back t yu as cnfirmatin that we did receive it. Because the Internet is nt secure, d nt include any f yur accunt r scial security numbers with yur . Or write t us at: Citizens Bank P O Bx 223 Mukwnag, WI Quickly telephning us is the best way f reducing yur pssible lsses. If yu leave a message n ur vic , please leave yur name, address, phne number and a brief message as t what the prblem might be.

9 AMENDMENTS The Bank may amend the Internet Banking Agreement and Disclsure Statement at any time by psting a revised versin n the Site. The revised versin will be effective immediately at the time it is psted, unless a delayed effective date is expressly stated therein. Bank may als prvide yu with an ntificatin f such amendments. The Bank may require yu t affirmatively acknwledge r accept the revised Agreement in rder t cntinue using the Service. Any use f the Service after a ntice f change (whether by Site psting, , r express acknwledgment r acceptance) will cnstitute yur express agreement t such changes. THIRD PARTY TRADEMARKS Apple, the Apple lg, and iphne are trademarks f Apple Inc., registered in the U.S. and ther cuntries. ipad is a trademark f Apple Inc. App Stre is a service mark f Apple Inc. Andrid and Ggle Play are trademarks f Ggle Inc. Quicken is a trademark f Intuit Inc., registered in the United States and ther cuntries.