WoodTrust Bank Internet Banking and Bill Payment Services
Access Agreement

September 28, 2020

I.       Introduction

         This Online Access Agreement (this "Agreement") contains the terms that govern your use of WoodTrust Bank Online Services ("Service") including Mobile Banking, Consumer Internet Banking, Business Internet Banking and Bill Pay Service.

         You may use an Online Service to access your Eligible Accounts (defined in section II of this Agreement) through the Internet.

         By using an Online Service to access an Eligible Account you are agreeing to the terms of this Agreement.

         In this Agreement, the words:

         -        "we," "us," "our" and "WoodTrust Bank" are used to refer to WoodTrust Bank;

         -        "you" or "your" is used to refer to the owner of an Eligible Account or an authorized representative;

         -        "consumer" is used to refer to a natural person who owns an Eligible Account with respect to which an Online Service is requested primarily for personal, family or household purposes;

         -        "business" is used to refer to anyone other than a consumer who owns an Eligible Account with respect to which an Online Service is requested; and

         -        "authorized representative" is used to refer to a person with authority of any kind with respect to an Eligible Account or an Online Financial Transaction.

         -        "Online Service" is used to refer to Mobile Banking, Consumer Internet Banking, Business Internet Banking and/or Bill Pay Service accessed by you.

         Notwithstanding any other access agreement or terms and conditions with respect to your access to an Eligible Account established primarily for personal, family or household purposes, this Agreement shall have precedence in interpreting any inconsistencies in the provisions of such agreements.

II.      Eligible Accounts

         Each WoodTrust Bank account you own is called an "Eligible Account". Eligible Accounts include but are not limited to checking, NOW, money market, savings, certificate of deposit, individual retirement accounts (IRA), mortgage loan, home equity loan and line of credit, installment loan, WoodTrust Bank Classic or Gold VISA credit card, and business loan or line of credit accounts you maintain with WoodTrust Bank.

         Your Eligible Accounts will continue to be subject to the agreements otherwise governing them, except where it is noted in this Agreement. Joint Account Owners have the right to any information or to make any request associated with their account. Please refer to your Deposit disclosure or credit card agreement for more information. Additionally, each Eligible Account and Online Service will be subject to the following:

         -        the terms or instructions appearing on a screen when using a Service;

         -     WoodTrust Bank's rules, procedures and policies applicable to each Eligible Account and each Online Service;

         -        the rules and regulations of any funds transfer system used in connection with an Online Service; and

         -        applicable state and federal laws and regulations.

III.     Access to Eligible Accounts

         You authorize WoodTrust Bank to provide access to some or all Eligible Accounts though the Service. For each Eligible Account to which access is provided, you may request removal of such access by sending E-mail through the Service or by calling WoodTrust Bank Customer Service at 715-423-7600 or 866-268-5097. You may access an Eligible Account at the WoodTrust Bank website at http://www.woodtrust.com (called the Website) to obtain balances, transaction history and other information. To access an Eligible Account or use an Online Service you must have a User ID and password and the required hardware and software. Subject to the terms of this Agreement, you will generally be able to access your Eligible Accounts through the Website seven days a week, 24 hours a day.

         At certain times, a Service may not be available due to system maintenance or circumstances beyond our control. During these times, you may use our ABC Telephone Banking Center at 715-422-4613 or 888-422-4613, a WoodTrust Bank automated teller machine (ATM) or a WoodTrust Bank office to obtain information about your Eligible Accounts.

         WAIVER OF REQUIREMENT FOR TWO SIGNATURES.  Principles recognize that any requirement of verifying two signatures on checks, if such a requirement exists, does not apply to electronic or telephone transfers, including online bill payments, and release Bank from liability when making such transfers or payments. This means that any person who is authorized to act as a signer on your account shall be authorized by you to individually make electronic or telephonic transfers, including online bill payments from your account, even though that person's authority to transfer or withdraw funds from your account by some other means (e.g., by check) must be exercised jointly with one or more other persons.

         INACTIVE ACCOUNTS.  If you do not access your Eligible Accounts via the Service for any two (2) month period, the Bank may disable your Service without prior notice. If your Service is disabled due to inactivity you may reenroll at the WoodTrust Bank website www.woodtrust.com.

IV.     Message Center¹

         One way of communicating with us in a secure environment is by sending an Electronic Mail (E-mail) using the Message Center. The Message Center allows you to ask questions about your account(s) or give comments on the Service. The Message Center is accessible after you sign on with your User ID and password to a secure session of the Service. To ensure the security of your Eligible Account information, we recommend that you use only the Message Center when asking specific questions about your Eligible Account(s). You cannot use Message Center E-mail to initiate transactions on your Eligible Accounts. For transactions, please use the appropriate functions within the Service or call Customer Service at 715-423-7600 or 866-268-5097.

V.      Consumer Internet Banking/Business Internet Banking

         You may use the Service to access your Eligible Accounts and perform the following Online Banking transactions:

         ACCOUNT BALANCE INQUIRY.  View current, available and ledger balance and other account information of Eligible Accounts.

         REVIEW TRANSACTION ACTIVITY².  View, sort and filter recent transactions.  Review detailed transaction descriptions. Click on serial number to view online image of front and back of paid checks and deposit tickets. Your transaction history is generally viewable for 13 months depending upon the date of the last account statement.  Total transaction history is limited to 3,000 transactions. Credit card transaction history is viewable for 45 days.

         VIEW CHECK IMAGES ONLINE¹.  View Check Images and Deposit Ticket Images for transactions listed on Transaction Inquiry.  The Service displays an electronic image of the front and back of posted checks and deposit tickets.  Send a check image to your local PC printer using browser software functionality.  We will make every effort to produce legible images of posted checks, debit and credit items and deposit tickets the next Business Day after the item(s) have been posted to your account. Images will be available for 13 months after the checks, debit and credit items and deposit tickets have been posted to the account. Some items will produce poor quality images or may not produce an image. In those cases, it is not our responsibility to remedy the image quality. For better processing quality, we recommend use of preprinted checks and deposit forms approved by us.

         TRANSFER FUNDS BETWEEN DEPOSIT ACCOUNTS.  You may transfer funds through Online Services in any amount subject to funds availability.  Eligible Accounts must be linked in advance by the Bank to enable funds transfer functions.  Certificates of Deposit and IRA Accounts are not eligible for transfers. Contact Customer Service at 715-423-7600 to establish or remove account transfer links. If account ownership is not the same for accounts to be linked, prior written authorization will be required by all owners on the accounts.

         ONE TIME TRANSFER.  You can transfer funds from one account to another using the Service. The transfer will post immediately unless it is completed after the transfer cutoff time.  All transfers completed after the transfer cutoff time on a business day or on a day that is not a business day, will be posted on the next business day. The transfer cutoff time is dependent upon the Bank's end of day processing. It is generally between 6:45pm and 8:00pm CST. Every day is a business day except Saturdays, Sundays and federal holidays.  The transfer will not appear on the Account Activity screen until the next business day.

         REPEATING TRANSFERS¹.  You can setup repeating transfers to transfer funds from one account to another on a regular, scheduled basis.  You use the Service to manage the frequency, start date, and number of transfer in the series. Repeating transfers post at 5:00 AM CST.  If a repeating transfer is scheduled for a day that is not a business day, it will post on the next business day.

         EXTERNAL TRANSFERS¹.  You can setup and maintain transfers between your Eligible Accounts at WTB and your accounts at other financial institutions. External transfers are processed using the Automated Clearing House (ACH).  External transfers completed before cutoff time will settle on the following business day.  The External transfer cutoff time is 4:05 PM CST.  You are responsible for ensuring that there are adequate funds in your account to cover your External Transfers.  An External Transfer may overdraw your account, which could result in Overdraft/Return item fees as disclosed in the Bank's Common Fees Schedule.  External Transfers is a feature that must be approved and set up by the Bank in advance of any transfers.  You will be required to provide prior written authorization for any External transfer relationships you desire to establish.  The Bank reserves the right to limit your access to External Transfers and revoke your rights to External Transfers without prior notice.  If the Bank revokes your External Transfer privileges, the Service will not allow access to the External Transfer screens.

         TRANSFER FUNDS FROM LINE OF CREDIT TO CHECKING, NOW, SAVINGS OR MONEY MARKET ACCOUNT.  You can transfer funds from your Line of Credit to eligible checking, NOW, savings or money market accounts.  Eligible Accounts must be linked in advance by the Bank to enable funds transfer functions.   Contact Customer Service at 715-423-7600 to establish or remove account transfer links.  If account ownership is not the same for accounts to be linked, prior written authorization will be required by all owners on the accounts.  The transfer will post immediately unless it is completed after the transfer cutoff time.  All transfers completed after the transfer cutoff time on a business day or on a day that is not a business day, will be posted on the next business day. The transfer cutoff time is 8:00 PM CST.

         MAKE PAYMENTS OUT OF DEPOSIT ACCOUNTS TO LOAN ACCOUNTS.  You can make loan payments from eligible checking, NOW, savings and money market accounts.  If your loan payment creates an overdraft in your deposit account, you may be charged a fee as disclosed in the Bank's Common Fee Schedule.  Eligible Accounts must be linked in advance by the Bank to enable funds transfer functions.   Contact Customer Service at 715-423-7600 to establish or remove account transfer links. If account ownership is not the same for accounts to be linked, prior written authorization will be required by all owners on the accounts.  The transfer will post immediately unless it is completed after the transfer cutoff time.  All transfers completed after the transfer cutoff time on a business day or on a day that is not a business day, will be posted on the next business day. The transfer cutoff time is 8:00 PM CST. 

MAKE PAYMENTS TO WOODTRUST BANK CREDIT CARD¹.  You can make one time or repeating credit card payments from a WoodTrust Bank eligible checking, NOW, savings or insured money market account.  You can make a one time payment effective today, as of a future date or effective on the next statement due date.  You may schedule a repeating payment once every statement due date, weekly, biweekly, twice a month, monthly, quarterly, semiannually or annually.  Payments can be for a fixed amount, the full statement balance due, the statement minimum balance due or a percentage of the statement balance.  You will be required to provide the start date and the duration of the repeating payment.  Repeating payments will be listed on the Pending Payment List and the next scheduled payment date will be identified.  You may change or delete repeating payments at any time prior to the end of day cutoff (9:00 PM CST Monday-Friday).  Your credit card payment will be reflected on your deposit account activity the next business day.  The payment will be reflected on the credit card account activity after two business days with the effective date of the payment.  Funds must be available in the deposit account for the system to complete the payment.  You may set up alerts to notify you of a successful or failed credit card payments via the Online Message Center or to an external email address of your choice.   

         PLACE STOP PAYMENT ORDER ON A CHECK¹.  Certain users may be entitled to initiate a stop payment request via Consumer Internet Banking.  If so entitled, you may request a Stop Payment on a specific check by selecting the appropriate account, completing information about the check to be stopped and approving the request. NOTE: Payments made using the Online Bill Payment feature cannot be stopped using this function.  You are responsible for determining that the check has not already been presented prior to the Stop Payment request.  The Bank will send you a written confirmation of Stop Payment order.  If you do not sign and return this to the Bank, the order will expire after 14 days.  Confirmed Stop Payments are effective for 180 days.  A fee for a Stop Payment order may be charged as disclosed in the Bank's Common Fee Schedule.

         REORDER PRINTED CHECKS¹.  You may use the Service to reorder your printed checks.  You will be redirected to the website of our preferred printed check vendor to place the order.  You may be charged a fee for your printed checks.  The fee will be disclosed to you when you approve your order.  The fee will be debited directly from your eligible account.

         DOWNLOAD TRANSACTION DATA TO PERSONAL FINANCIAL MANAGEMENT SOFTWARE¹.  Transaction data can be downloaded to your local computer for use in other applications, such as Quicken, Microsoft Money, or Microsoft Excel.  The Bank determines, at its sole discretion, the types of personal financial management software that may be used in Online Banking.  You are solely responsible for the cost of obtaining and maintaining a current version of supported personal financial software.  You are solely responsible for downloading transaction data on a timely basis. Deposit accounttransaction history is generally available for 13 months depending upon the date of the last account statement. Credit card transaction history is available for 45 days. Total transaction history is limited to 3,000 transactions per account.  You will not be notified prior to the purging of transaction data. The Bank cannot restore transaction history to the Service after it is purged.

VI.     Bill Pay Service

         DESCRIPTION.  The WoodTrust Bank Bill Pay Service allows you to set up bill payments to businesses and individuals through the Service.

         APPLY.  You may apply for Bill Payment Service by accessing your Internet Banking service with your User ID and password at www.woodtrust.com.  By applying for the Bill Pay Service you agree to the terms and conditions of this agreement.  You will be required to designate your initial "Bill Pay Account" from your eligible checking, NOW and Money Market accounts.  Eligible Accounts that require two or more signatures or authorizations to withdraw or transfer funds may not be used as a Bill Pay Account. In processing your application for Bill Pay Service we may consider information obtained from third party credit reporting agencies as well as your record of handling your account with us.  We will notify you via the message center of your approval for Bill Pay.  You will be able to initiate bill payments the day after your approval. 

         BILL PAYMENTS.  You can arrange, at your option, for the payment of your current, future and recurring bills from a checking, NOW or Money Market account, up to a maximum of $9,999.99 per payee and $20,000 aggregate payments each business day. These limits may be modified at the discretion of the Bank.

         There is no limit to the number of payments that may be authorized. You can make multiple payments to the same payee on the same day as long as the payments are for different amounts.  For your protection, the Service will not pay duplicate items to the same payee on the same day.

         You may pay anyone approved by WoodTrust Bank for payment through the Bill Pay Service.  You must provide enough information about a Payee to permit us to properly direct a payment and permit the Payee upon receipt of a payment to identify you as the payment source.  By furnishing us with the names of your payees and their addresses, you authorize us to follow the payment instructions to these payees that you provide us via the Service. You may setup 99 payees in the Service.  Bill Pay is intended only for your use as a subscriber for such Service.  Any attempt to use Bill Pay to process payments for third parties is prohibited and grounds for termination of your Bill Pay Service.

         PROHIBITED PAYMENTS.  You agree not to use the Service to make payments for alimony, child support, and court ordered payments, taxes or other governmental fees; or to make payments to payees outside of the United States. 

         SCHEDULING PAYMENTS.  The date the payment is to be sent is called the "Payment Date" or "Transmit Date". When we receive a payment instruction (for the current or a future date), we will transfer funds to the payee on your behalf from the funds in your Bill Pay Account on the Payment Date.  If the Payment Date is not a business day, we will process the payment on the next business day.

         There will be a delay between the Payment Date (the date your payment is sent) and the date the payee receives that payment. Any payments made through the Bill Pay Service require sufficient time for your payee to receive your payment and credit your account properly. To avoid incurring finance or other charges, you must schedule a payment sufficiently in advance of the due date of your payment. Please schedule payments in accordance with the payment rules that are displayed on the Make A Payment screens (schedule payments at least 6 full business days prior to the date the payment is due at the payee for check payments and 3 full business days for electronic payments). For such scheduling purposes, your first business day is the business day after your scheduled payment date. Payments must be scheduled before 8 p.m. CST to be effective the same business day.

         FUNDING OF PAYMENTS.  We will not be obligated to make a payment unless your Bill Pay Account and/or linked overdraft protection plan has sufficient funds or credit availability to pay the bill on the Payment Date.  You authorize us to deduct these payments from your designated account even if they create an overdraft.  If your payment funding account closes, all pending payments associated with that account will be canceled.  If we return a Bill Payment for non-sufficient funds, your access to Bill Payment Services will be suspended.

         We do not have any duty to monitor the payments that are made through the Bill Pay Service. If you are a business and an authorized representative of yours uses your Bill Pay Account to pay bills which are not yours, you assume the entire risk of loss and indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with such use.

         STOP OR EDIT PAYMENTS.  You have the right to stop or edit any scheduled bill payment by using the Bill Pay Service or by calling WoodTrust Bank Customer Service at 866-268-5097 or 715-423-7600. You must cancel or edit a Pending or Recurring Payment by no later than 8 PM CST on the Payment Date.  If a payment is in process, you may call Customer Service and we will make an attempt to stop the payment.  Stop payments are not guaranteed.  A fee may be assessed for Stop Payments. 

         BANK ERRORS.  If WoodTrust Bank does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges ($50.00 maximum), which you reasonably incurred as a result of our error, as long as your account was in good standing with the payee prior to this incident.  We will not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. We will also not be liable if there are insufficient available funds or credit availability in your Bill Pay Account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the Bill Pay Account; if the Bill Pay Account is closed or frozen; or if any part of the electronic funds transfer system is not working properly.  We shall incur no liability if a Payee mishandles or delays a Bill Payment sent by us.

         TERMINATION OF BILL PAY SERVICE.  If you have the Bill Pay Service and do not schedule or process a payment in your Payment Account via the Bill Pay Service for any two (2) month period, WoodTrust Bank may impose an inactivity fee or disable your Bill Pay Service. Additionally, if you close your current Payment Account, you must notify us and designate a new deposit account that will be your Payment Account within 30 days or WoodTrust Bank may terminate your Bill Pay Service. If WoodTrust Bank disables your Bill Pay Service, your online bill payment information will be lost and all pending payments will be canceled. If you decide to cancel the Bill Pay Service, we strongly suggest that you cancel all future bill payments at the same time that you cancel your Bill Pay Service, either by deleting those payments yourself using the Bill Pay Service or by calling WoodTrust Bank Online Customer Service at 715-423-7600 or 866-268-5097. This will ensure that future payments made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your Bill Pay Service has been canceled. Termination of the Bill Pay Service will not automatically close your Eligible Accounts.

VII.    Authorized Representatives for Business Accounts

         If you are a business, any authorized representative of your business is authorized on such terms, conditions, and agreements as we may from time to time require to:

         -        enter into this Agreement, as amended from time to time;

         -        access each Eligible Account of yours in any manner and for any purpose available through the Service, whether now available or available at some time in the future; and

         -        use any Online Service in any manner and for any purpose available through the Service, whether now available or available at some time in the future.

VIII.   Electronic Fund Transfer Provisions For Consumers

         APPLICABILITY. The provisions in this section VIII apply only to electronic fund transfers that debit or credit a consumer's checking, savings or other asset account and are subject to the Federal Reserve Board's Regulation E (an "EFT). WoodTrust Bank may, when applicable, rely on any exceptions to the provisions in this section VIII that are contained in Regulation E. All terms not otherwise defined in this Agreement, which are defined in Regulation E, will have the same meaning when used in this section VIII.

         YOUR LIABILITY. Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:

         1.      If you notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $50 or the amount of unauthorized EFTs that occur before notice to us.

         2.      If you fail to notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $500 or the sum of -

                  -        $50 or the amount of unauthorized EFTs that occur within the two business days, whichever is less; and

                  -        the amount of unauthorized EFTs that occur after the close of two business days and before notice to us, provided we establish that these EFTs would not have occurred had you notified us within that two-day period.

         3.      You must report an unauthorized EFT that appears on a periodic statement within 60 days of our transmittal of the statement to avoid liability for subsequent transfers. If you fail to do so, your liability will not exceed the amount of the unauthorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish would not have occurred had you notified us within the 60-day period. You may, as applicable, also be liable for the amounts described in the immediately preceding sections 1 or 2 above.

         4.      If your delay in notifying us was due to extenuating circumstances, we will extend the times specified in the immediately preceding paragraphs 1, 2 or 3 above to a reasonable period.

         5.      You may notify us in person, by telephone, by Message Center E-Mail, or in writing.

         TELEPHONE NUMBER AND ADDRESSES. The telephone number and address of the person or office to be notified when you believe that an unauthorized EFT has been or may be made are:

         -        715-423-7600 during Bank business hours, or
866-268-5097 anytime, 24 hours a day, 7 days a week.

         -        WoodTrust Bank
181 Second Street South
PO Box 8000
Wisconsin Rapids, WI 54495-8000

         -       You can send E-mail to the WoodTrust Bank Customer Service area by accessing the Message Center after signing on with your User ID and password to a secure session.

IX.     Security

         During enrollment you will be prompted to select your User ID and password.  Your User ID is required to be at least 8 and not more than 16 alphanumeric characters.  Your password is required to be at least 6 and not more than 16 alphanumeric characters.  Your password must be changed every 90 days by accessing the System. You may not reuse passwords.  If you do not change your password prior to its 90-day expiration, you will be prompted to change it the next time you Signon to the Service.  If you forget your password, please contact Customer Service for assistance.

         We are entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize your User ID and password and do not write it down. Do not select a code that is easy to guess. You are responsible for keeping your User ID, password and Eligible Account information confidential.

         If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account, notify WoodTrust Bank Customer Service at 866-268-5097 anytime, 24 hours a day, 7 days a week, or write to WoodTrust Bank, P.O. 8000, Wisconsin Rapids, WI 54495-8000.

X.      Liability

         OUR LIABILITY. Our liability to you is explained in any agreements, notices, and disclosures that we separately provide to you from time to time regarding your Eligible Accounts and Online Services. This section explains our liability to you only to the extent that our liability has not been separately disclosed to you by any of these agreements, notices, or disclosures. Under no circumstances will we have any liability to you for failing to provide you access to your Eligible Accounts or Online Services through the Service. Furthermore, unless otherwise required by applicable law, we will only be responsible for performing the Online Services as expressly stated in this Agreement, and will only be liable for material losses incurred by you to the extent such losses directly result from our gross negligence or intentional misconduct in performing the Online Services.

         IN NO EVENT WILL WE HAVE LIABILITY FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE OR INDIRECT LOSS OR DAMAGE WHETHER OR NOT ANY CLAIM FOR SUCH DAMAGES IS BASED ON TORT OR CONTRACT OR WE KNEW OR SHOULD HAVE KNOWN THE LIKELIHOOD OF SUCH DAMAGES IN ANY CIRCUMSTANCES.

         We will not be obligated to honor, in whole or in part, any transaction or instruction which:

         -        is not in accordance with any term or condition applicable to the relevant Online Service or Eligible Account;

         -        we have reason to believe a transaction may not be authorized by you or any third person whose authorization we believe is necessary or involves funds subject to a hold, dispute, restriction or legal process we believe prevents their withdrawal;

         -        would violate any applicable provision of any risk control program of the Federal Reserve or any applicable rule or regulation of any other federal or state regulatory authority;

         -        is not in accordance with any other requirement of our applicable policies, procedures or practices; or

         -        we have reasonable cause not to honor for our or your protection.

         INDEMNIFICATION.  Except to the extent that we are liable under the terms of this Agreement or an agreement that otherwise governs your Eligible Account, if you are an owner of an Eligible Account, you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an Eligible Account or the performance of an Online Financial Service. You or your authorized representative provide this indemnification without regard to whether our claim for indemnification is due to the use of the Service.

         THIRD PARTIES.  Except as specifically provided in this Agreement or where applicable law requires a different result, neither we nor our service providers or other agents will be liable for any loss or liability resulting in whole or in part from any act or failure to act of your equipment or software, or that of an Internet browser provider such as Netscape (Netscape Navigator browser) or Microsoft (Microsoft Explorer browser), by an Internet access provider, by an online service provider or by an agent or subcontractor of any of them, nor will we or our service providers or other agents be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of your access to or use of, or failure to obtain access to Online Services through the Service.

XI.     General Provisions

         TERMINATION.  Unless otherwise required by applicable law, WoodTrust Bank may terminate this Agreement and/or your access to any Online Service through the Service, in whole or in part, at any time.

         We, in whole or in part, may reinstate access to the Online Services through the Service, at our discretion, at any time. If reinstated, the then current terms of this Agreement will control. You may request reinstatement of an Online Service by calling WoodTrust Bank Customer Service at 866-268-5097 or 715-423-7600, or by enrolling online at www.woodtrust.com.

         If you wish to cancel any of your Online Services, contact WoodTrust Bank Customer Service at 866-268-5097 or 715-423-7600, or send us cancellation instructions in writing to WoodTrust Bank, P.O. Box 8000, Wisconsin Rapids, WI 54495-8000.

         CHANGES.  Except as otherwise required by law, rule, or regulation, we may change the terms of this Agreement from time to time and at any time. When changes are made we will update this Agreement at the Website. The Website will be updated on the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated an earlier time. If such a change is made, and it can't be disclosed without jeopardizing the security of the system, this Agreement will be updated within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing to use the Service. Changes to fees or terms applicable to Eligible Accounts are governed by the agreement otherwise governing the applicable account.

         ASSIGNMENT.  You may not assign this Agreement to any other party.  We may assign our interest in this Agreement to any now-existing or future direct or indirect subsidiary of WoodTrust Bank. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

         PERIODIC STATEMENTS.  Your Online Service activity will appear on your periodic statements.

         EQUIPMENT.  You are responsible for obtaining, installing, maintaining and operating all mobile and computer hardware, software, and Internet access services necessary for performing Online Services.  The Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware, software, or any Internet access services. 

         NOTIFICATION.  Unless otherwise required by applicable law, in the event that we are required to provide a notice or other communication to you in writing, that notice or other communication may be sent to you electronically to your internet address as reflected in our then current records.

         DISCLOSURE OF INFORMATION TO THIRD PARTIES.  We may disclose information about you, your Eligible Accounts or transactions on your Eligible Accounts as provided in our Deposit Account Disclosures and Privacy Policy.  In addition, the service has the right to obtain and disclose information regarding your Eligible Accounts or transactions on your Eligible Accounts from or to a Payee or financial institution to resolve payment posting problems. 

XII.    Fees

         ONLINE SERVICES.  You agree to pay the fees for Online Services in accordance with Fee Schedules and disclosures established by us from time to time.  Current fees for Online Services are described in the table below.  Other fees may be assessed and billed separately by your Internet and/or telephone service provider.

         PAYMENT ACCOUNT.  You are required to designate a deposit account at WoodTrust Bank from which fees for Online Services will be debited (your "Payment Account"). You authorize us to charge your Payment Account for the fees. If you close your current Payment Account, you must notify us and designate a new deposit account that will be your Payment Account. Additionally, if you close all your Eligible Accounts, you must notify WoodTrust Bank Customer Service to cancel your Online Services.

         OTHER ACCOUNT FEES AND CHARGES.  The fees that have been separately disclosed to you in connection with your Eligible Account(s) will continue to apply to those account(s).

1 - This functionality not available on the Mobile Banking platform.
2 - 90 days history available on Mobile Banking Platform.