AGREEMENT AND DISCLOSURE FOR ELECTRONIC FUND TRANSFERS
1. Coverage. You have requested that we permit you to access an electronic funds transfer system and (if applicable) that we Issue you an automated teller card, debit card, code or other device ("Card"). By requesting, receiving, signing, using, authorizing another to use or otherwise accepting the Card (including any replacement or substitute Card) or the electronic funds transfer system, you and any authorized users, agree to be bound by this Agreement. The electronic funds transfer system and the Card are collectively referred to in this Agreement as the "EFT System." This Agreement applies to all persons that are party to the accounts that are accessed through the EFT system. Every person who owns or is authorized to use the accounts is responsible for the: use of the EFT System. In this Agreement, the terms "you" and "your" refer to each party to the account and to each authorized user, and the terms "us," "we," and "our" refer to the Bank. Transactions and accounts governed by this Agreement are also subject to applicable federal and Wisconsin laws and regulations and any other rules or agreements governing or referring to the transactions or accounts, including but not limited to account agreements, debit card rules, funds availability rules, depository agreements and the Operating Rules of the National Automated Clearing House Association. Except as may be specifically indicated in this Agreement, in cases of inconsistency or conflict between the other rules or agreements and this Agreement, this Agreement shall control.
You authorize us to charge your account(s) for all authorized transactions resulting from the use of the EFT System or resulting from any other authorized transfers and you assume all responsibility and liability for all such transactions. All deposits, payments and transfers made through the use of the EFT System or by any other authorized transfer are subject to proof and verification by us. Deposits made after our cutoff time will be credited the following business day.
2. Authorized Use of Card and PIN. We will issue one or more personal identification number(s) ("PIN") to you for use in connection with the EFT System. You agree not to disclose the PIN to anyone other than authorized users of the EFT System. If anyone uses your Card or PIN with your permission, you will be responsible for any charges made to the account. You agree to safely keep the Card and PIN, not to record the PIN on the Card or otherwise disclose or make it available to anyone other than an authorized user, and to use the Card and PIN only at terminals that accept the Card and as instructed. Never enter the PIN in any terminal that does not look genuine, has a suspicious device attached, or is operating in a suspicious manner.
3. Liability Disclosure. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or if you believe there have been unauthorized transfers to or from your account or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You can lose no more than $50 if someone used your Card and PIN without your permission to obtain money, property or services through an automatic teller machine or point of sale terminal, and in the case of Visa@ or MasterCard@ debit cards, your liability may be less pursuant to applicable Visa or MasterCard debit card rules. If there was any other unauthorized electronic funds transfer or series of transfers using the Card and if you tell us within two business days after you learn of the loss or theft of your Card, you can lose no more than $ 0.00 if someone used your Card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $50.00. Also, if your statement shows transfers that you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
4. Address and Telephone Number. If you believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (715) 359-4231 or write: INTERCITY STATE BANK P.O BOX 560. SCHOFIELD WI 54476. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.
5. Business Day Disclosure. For purposes of these disclosures, our business days are Monday through Friday. The following holidays are not included as business days: ALL FEDERAL HOLIDAYS.
6. Goods and Services Purchased. If a merchant accepts the Card in payment of goods or services, and you receive credit from the merchant for goods returned or adjustments, your account will be credited. We will not make cash refunds to you on purchases made with the Card. Unless your use of the Card results in a loan from us to you, you must raise any claim or defense with respect to goods or services purchased with your Card directly with the merchant who honored the Card.
7. Chargebacks. As to any transaction which (a) involves a sale of goods or services which is paid for directly through a terminal; (b) Involves a transfer of $50 or more from a deposit account; and (c) does not involve a check or draft, we shall, upon receipt within three business days of the transmission of written or oral notice from you, reverse the transaction and credit your account.
8. Terminal Malfunctions. Terminals and these services are available for your convenience and we are not liable for the availability or failure to operate of all or any part of a terminal. You release us from liability for personal injury or property damage Incurred by you in connection with use of the Card or any terminal and consequential damages incurred in connection with the use of a Card or terminal.
9. Termination. We may terminate your privilege of using the EFT System and we and/or VISA and/or MasterCard as applicable may withhold approval of any transaction at any time. The privilege of using the Card by any of you may be terminated by anyone person who can use the accounts accessible with the Card. The Card is our property and shall be surrendered by you to us upon request and regardless of who terminates the Card privileges. Termination shall not affect the rights and obligations of the parties for transactions made with the EFT System before the privileges are terminated.
10. Account Access. You may make the following types of electronic funds transfers: (a) You may use your Card and PIN, when required, to accomplish the following transactions (some of these services may not be available at all terminals.):
BASED ON THE ACCOUNTS YOU OPENED YOU MAY,
A. MAKE PURCHASES;
B. WITHDRAW CASH, MAKE DEPOSITS, TRANSFER FUNDS BETWEEN CHECKING AND OR SAVINGS;
C. BALANCE INQUIRES;
D. PAY FOR GOODS AND SERVICES WHERE ACCEPTED;
E. CASH ADVANCE WHERE CARD IS ACCEPTED.
You may preauthorize a one-time and/or recurring debit(s) from and/or credit(s) to your account(s). You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to (i) pay for purchases and (ii) pay bills.
11. Limitations on Transfers. (a) Under federal regulations you may make no more than 6 preauthorized, automatic or telephone (Including data transmissions) transfers per month from each of your savings and money market deposit accounts and no more than three of the transfers and withdrawals may be payments by check, draft, debit card or similar order to third parties including a transfer using a Card at a point-of-sale terminal. If a transfer from your account will cause you to exceed these limits, we may not execute the transfer. There are no other limitations on the amount or frequency of preauthorized transfers to or from your accounts. Transactions conducted with a Card at an automated teller machine do not count toward these limitations. Your account is subject to the following limitations, which may restrict your ability to make electronic funds transfers.
(b) The following specific limitations apply to the frequency and dollar amount of other types of transfers that you may make using your Card:
You may make only UNLIMITED cash withdrawals from ATM terminals each day. You may withdraw up to $500.00 from ATM terminals each day.
At point of sale terminals accepting your card issued in connection with your account, you may make no more than UNLIMITED purchases each day.
At point of sale terminals accepting your Card issued in connection with your deposit account, you may buy no more than $1,000.00 worth of goods or services each day.
Other terminals or terminal operators may have other limits on the amount and frequency of withdrawals or deposits.
THERE ARE NO LIMITS TO HOW MANY ELECTRONIC FUNDS TRANSFERS CAN COME IN OR GO OUT OF YOUR ACCOUNT. SOME ATM'S MAY HAVE LIMITS ON THE NUMBER AND AMOUNT OF TRANSACTIONS YOU MAY MAKE AT A TERMINAL.
(c) The following specific limitations apply to other types of electronic fund transfers that you may make:
FREQUENCY OF TRANSFERS.
For security reasons, there may be other limits on transfers you may make.
12. Notice Regarding Illegal Transactions. You agree that you will not use your Card for any illegal gambling or any other Illegal transaction. We reserve the right to block the use of your Card for a gambling transaction.
13. Overdrafts/Credit Account. Each withdrawal or transfer from an account is an order to us to pay from that account at that time, which we may charge against the account even though the charge creates an overdraft. The time required to charge or credit your account after you use your Card will depend on the location of the terminal and the type of transaction, however we reserve the right to charge your account immediately upon your request for the funds transfer. If you overdraw your account you agree to immediately pay us the overdrawn amount, together with any applicable fees. If the account is maintained in connection with an overdraft credit plan, any overdraft will be made in accordance with the agreement or rules governing that account rather than this Agreement. If any account is a credit account, such as a Visa card or MasterCard card account, you should refer to the agreement provided in connection with that account for your rights and responsibilities relating to transactions affecting that account in which the Card is used.
14. Charge for Transfers. We will charge you for electronic fund transfers the fees, if any, identified in our current fee schedule accompanying this Agreement, as may be amended from time to time. When you use a terminal not owned by us, you may be charged a fee by the terminal/network operator and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. You will be notified of any such fee when you use the terminal. You may also authorize a payee to electronically debit from your account a fee because a check you presented to the payee was returned for insufficient funds.
15. Terminal Transfers. Unless you are transferring $15 or less to or from your account using an electronic terminal that accepts your Card, you can get a receipt at the time you make any transfer to or from your account using an electronic terminal that accepts your Card.
16. Periodic Statements. Unless the only type of electronic transfer that you receive is a preauthorized deposit to your passbook account, you will get a monthly account statement. If there are no transfers in a particular month, you will get a statement at least quarterly.
17. Passbook Account Where the Only Possible Electronic Fund Transfers are Preauthorized Credits. If you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your passbook.
18. Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (715) 359-4231 to find out whether or not the deposit has been made.
19. Preauthorized Withdrawals.
(a) Right to Stop Payment and Procedure for Doing So. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how:
Call us at (715)359-4231 or write us at INTERCITY STATE BANK, P.O BOX 560, SCHOFIELD, WI 54476 in time for us to receive your request, 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We will charge you for each stop payment order you give the charge for stopping payment identified in our current fee schedule accompanying this Agreement as may be amended from time to time.
(b) Notice of Varying Amounts. If these regular payments may vary in amount the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.
(c) Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
20. Our Liability For Failure to Make Transfers. 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. However, there are some exceptions. We will not be liable, for instance:
- if, through no fault of ours, your account does not contain enough money to make the transfer.
- if the money in your account is subject to legal process or other encumbrances restricting the transfer.
- if the transfer would go over the credit limit on your overdraft credit plan, if any. - if the terminal where you are making the transfer does not have enough cash.
- if the terminal or transfer system was not working properly and you knew about the breakdown when you started the transfer.
- if circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.
- if incomplete or inaccurate information is forwarded by the U.S. Treasury or through an automated clearing house.
- as otherwise indicated in the Agreement.
21. Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make: (a) to third parties where it is necessary for completing or tracing transfers or resolving errors or claims; or (b) to verify or disclose the existence, amount or condition of your accounts for third parties, such as credit bureaus, merchants or other financial institutions; or (c) pursuant to court orders and other legal process; or (d) to comply with subpoenas, summonses, search warrants or requests from government agencies; (e) to comply with state or federal laws requiring us to provide information regarding depositors and their accounts to governmental agencies; (f) to other companies affiliated with us, unless you have opted out of such disclosure in accordance with our Deposit Account Rules or privacy policy we provide to you; (g) to others with your consent; or (h) otherwise in accordance with our privacy policy we provide to you.
22. Foreign Currency Conversion and International Fees. If you use your Card or account for a transaction in a foreign country, the transaction amount will be converted to U.S. currency. Depending on whether you use a VISA or MasterCard debit card, VISA or MasterCard may do the conversion. If the transaction is processed by VISA, VISA will use a currency conversion rate it selects from the range of rates available in wholesale currency markets for the day prior to the central processing date of the transaction or the government-mandated rate in effect for the day prior to the central processing date. If the transaction is converted by MasterCard, MasterCard will use either a government-mandated exchange rate or a wholesale exchange rate. The rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed. The rate used to convert a particular transaction may differ from the rate VISA or MasterCard itself receives and may differ from the rate applicable on the date the transaction occurred or was posted to your account. In addition, a currency conversion assessment equal to a percentage of the transaction amount debited to your account may be charged and you agree to pay such currency conversion assessment, if any, identified in the Schedule of Fees and Charges. You agree to pay charges and accept credits for the converted transaction in accordance with these terms, the Schedule of Fees and Charges and the then current applicable VISA or MasterCard rules. Charges that are based on a percentage of the amount of the transaction will be calculated on the transaction amount in U.S. Currency. If a transaction is made in a foreign country or with a merchant in a foreign country, you may be charged a fee equal to a percentage of the transaction amount debited to your account in United States dollars, and you agree to pay this International transaction fee, if any, identified in the Schedule of Fees and Charges.
23. Amendment. We may amend this Agreement upon giving you such notice as may be required by law, effective upon the date indicated in the notice.
24. Additional Provisions.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Print and complete the WSUPP FORM and return it to:
Intercity State Bank
P.0. Box 560
Schofield, WI 54476-0560
OR,
Telephone us at (715) 359-4231 or write us at INTERCITY STATE BANK, P.O BOX 560, SCHOFIELD, WI 54476 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
If a notice of error involves unauthorized use of your point of sale debit card with the Visa or MasterCard logo when it is used as a Visa or MasterCard point of sale debit card, then the additional applicable Visa or MasterCard rules on error resolution shall also apply

ONLINE BILL PAY SERVICE AGREEMENTS AND DISCLOSURES
Please read this document carefully. Each time you utilize the ISB Bill Pay service, ISB accounts(s), or authorize anyone else to access your ISB account(s) through Intercity Online (IOL) or ISB Bill Pay service, you agree to be bound by the terms and conditions of this Agreement and Disclosure. All current and future signers are jointly and severally liable. Each of your accounts at ISB is also governed by the applicable account disclosure/agreement and Truth-In-Savings disclosure you received when you opened your account, prior receipt of which you acknowledge.
1. TERMS USED. "We", "our", "us" and "the Bank" refer to Intercity State Bank. "You" and "your" refer to a customer of the Bank, account owner, joint owner, or anyone authorized by the customer to use the account. "Payee" refers to the merchants or other parties you are paying with Bill Pay service.
2. ELIGIBILITY. You must be an authorized signer/owner of an ISB checking account. The Bank reserves the right to refuse or terminate any customer's Bill Pay service.
3. BUSINESS DAYS. Our business days are Monday through Friday. Holidays are not included.
4. CHARGES AND FEES. At the present time, Bill Pay is offered without a monthly service fee. We reserve the right to impose and/or change the fee amount at anytime. We will notify you of any changes as required by law.
5. CANCELLATION. You can cancel your Bill Pay service at anytime bye-mailing a Personal Banker at the Bank. Payments that are pending will not be processed if you cancel your service. If you do not access Bill Pay for a period of six consecutive months, your access privileges may be cancelled.
6. DUE DATE. You must select the date you want the payment processed. We recommend allowing a minimum of 7 to 10 business days for payment processing. In addition to the time it takes for the US Postal Service to deliver your payment, the bank requires 1 to 2 business days for processing. (Example: A request made on Friday after 5:30 pm will not be processed until Tuesday morning, i.e. 5 days. Then if it takes 7 days for mail delivery, the total time from the Bill Pay request to delivery is 12 days.) Payments are sent through the US Postal Service, so you should take into consideration federal holidays when selecting a processing date for these items.
7. LIMITATIONS ON TRANSACTIONS. The following are limitations to the use of the Bank's Bill Pay Service:
- The minimum transaction amount is $10.00;
- Bill payments can only be made from your checking accounts;
- Payments cannot be made for tax payments, court-ordered payments or payments to payees outside of the United States;
- If you close the designated bill payment checking account, all scheduled payments will be stopped;
- You cannot stop a payment if the payment has already been processed; and
- You can schedule payments 24 hours a day, seven days a week, however, payments scheduled on a Saturday, Sunday, or holiday will be processed at the bank within one to two business days.
8. APPLICABLE LAW. Except to the extent that Federal law is controlling, your rights, our rights, and the terms of this Agreement will be governed in all respects by Wisconsin State law. If any provision is found unenforceable, the rest of the Agreement will remain in effect.
9. UNAUTHORIZED TRANSFERS (SEE ERROR RESOLUTION ABOVE). CONTACT US AT ONCE if you believe your password has been lost or stolen. Telephoning is the best way to control your loss. Notice of unauthorized use must be confirmed in writing. You could lose all the money in your account.
CONTACT 715-359-4231 or P.O. BOX 560, SCHOFIELD, WI 54476-0560 IN THE EVENT OF A LOSS OR AN UNAUTHORIZED TRANSFER, AND REGARDING ERRORS OR QUESTIONS ABOUT YOUR BILL PAY SERVICE.
10. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES.
Information about your account is confidential. Without your written permission, we will not disclose such information to third parties except where necessary to complete a transfer, to report or confirm the condition of your account for a credit bureau, or in order to comply with a government agency, or court order or if you give us your written permission.
11. OUR LIABILITY FOR FAILURE TO COMPLETE AN ELECTRONIC FUND TRANSFER TRANSACTION.
The Bank could fail to complete a transaction to or from your account on time or in the correct amount according to our agreement with you for one or more of the following reasons:
- There are insufficient funds in your account to complete the transaction through no fault of ours;
- The funds in your account are uncollected;
- The funds in your account are subject to legal process;
- We have reason to believe that the transaction requested is unauthorized;
- The transaction would exceed security limitations;
- Circumstances beyond our control that occur despite reasonable precautions;
- If you have not properly followed the Bank's Bill Pay instructions or have provided us with wrong or inaccurate instructions;
- If you fail to notify us of any inaccuracy in any merchant list that has been set up on your account;
- If you receive notice from a merchant or institution that any payment you have made through our Bill Pay service remains unpaid, and you fail to notify us promptly of that fact;
- If the payee was a merchant or institution you are not permitted to designate;
- If you do not set up the payment soon enough for your payment to be received and credited by the payee due date; or
- If the payee does not credit your payment promptly or properly after receipt.
IN ANY CASE, THE BANK SHALL NOT BE LIABLE FOR ANY DAMAGES THAT OCCUR BECAUSE OF ANY FAILURE TO MAKE A TRANSACTION YOU REQUEST OF THE BANK.
12. ADDITIONAL TERMS AND CONDITIONS.
12.1. Overdrawing your account: You agree that you, your joint owner, or authorized user will not use Bill Pay to overdraw your account. If an overdraft in your account does occur, you will pay the full amount of the overdraft to the Bank immediately upon request and the current fee for overdrafts.
12.2. The Bank shall have as security for the payment of all indebtedness now and in the future owing by any of the account owners to the Bank (whether direct or indirect), a security interest in all amounts credited to any deposit account, on all checks, drafts and other items delivered for collection by for or through any of the account owners. The Bank, without prior notice or demand, may charge such indebtedness against any deposit account whenever the Bank believes that prospect of payment is impaired.
12.3. You agree that you will not use your Bill Pay access for any transaction that is illegal under applicable federal, state or local law. Such use would constitute default and/or breach of contract and may result in termination of service.
12.4. The Bank has the right to amend, change or cancel the services or access offered and fees assessed at any time. We will notify you as legally required before a change will take effect if it will cause you greater costs or liability or if it will limit your ability to engage in electronic payments or deposits. We do not have to notify you in advance, however, if the change is necessary for security reasons.
12.5. In addition to this Agreement, you agree to be bound by and will comply with all disclosures and agreements applicable to your accounts with the Bank, prior receipt of which you acknowledge.
12.6. Except as specifically provided in this Agreement or where law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage, or bodily injury whether caused by the equipment, software, the Bank, internet browser provider, internet access provider, online service provider, or by any agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising any way of the installation, download, use, or maintenance of the equipment, software, Intercity State Bank online banking services, internet browser, or access software. In this regard, although we have taken measures to provide security for communications from you to us via Intercity Online banking services and may have referred to such communication as "secured," we cannot and do not provide any warranty or guarantee of such security.
13. AGREEMENT.
In exchange for being granted access to Bill Pay services through the internet, you agree to legally be bound by the following terms and conditions:
13.1. Liability for Unauthorized Transaction. You agree to contact Intercity State Bank at once if you believe your Internet Banking/Bill Pay password has been lost or stolen or money is missing from your account(s). You also agree that if your monthly statement shows transactions which you did not make, and you do not contact the Bank within sixty (60) days after the statement was mailed, you may not recover any money lost after that time.
YOU AGREE THAT IF YOU GIVE YOUR ACCOUNT NUMBER AND PASSWORD TO SOMEONE ELSE TO USE, YOU ARE RESPONSIBLE FOR ANY USE BY THEM.
13.2. Deposits. You agree that when you deposit a check, share draft or other non-cash item, the Bank has the right to collect those funds before the Bank makes the money available to you. If you deliver cash, checks or other items to an ATM operated by another financial institution for transmission to the Bank for deposit in your account, you agree that your account does not have to be credited with that deposit until such time as the deposit is actually received and the funds are collected.
13.3. Authorization. You hereby authorize Intercity State Bank to process and post electronic Bill Pay transactions generated by you, the joint owner or anyone you authorize in accordance with the terms and conditions stated within. You will be responsible for all transactions resulting from the use of the electronic Bill Pay service unless you follow the cancellation process. See Cancellation (above).

FUNDS AVAILABILITY POLICY
YOUR ABILITY TO WITHDRAW FUNDS
Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available you can withdraw them in cash and we will use them to pay checks you have written.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before N/A on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM that we own or operate on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM that we own or operate on a day we are not open, we will consider that the deposit was made on the next business day that we are open.
Longer Delays May Apply
In some cases, we will not make all of the funds you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, will be available on the first business day after the day of your deposit.
If we are not going to make all of the funds from your deposit available on the first business day after the day of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000 on anyone day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months.
- There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.
Special Rules For New Accounts
If you are a new customer, the following special rules may apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
If you have questions about your deposits, contact us at (715) 359-4231

U.S. PATRIOT ACT NOTICE
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

DEPOSIT ACCOUNT RULES
1. Accounts. These Rules apply to all deposit accounts established by you with us at this time and at any future time, subject to our right to amend these Rules from time to time. Accounts subject to these Rules include, but are not limited to, savings accounts, checking accounts, NOW accounts, certificates of deposit, and money market deposit accounts and other deposit accounts we offer. These Rules apply to all depositors establishing such accounts. In these Rules, the terms "you" and "your" refer to each depositor, and the terms "us", "we", and "our" refer to the Bank. Terms not defined in these Rules have the meanings assigned to them in the Wisconsin Uniform Commercial Code.
2. Account Designation Cards. When you open your account, you will sign an account designation card or similar document evidencing the account by written or electronic means acceptable to us. This will give us your name, your tax payer identification number and other information. We will treat this information as correct until you submit a written change to us.
3. Deposits. Unless otherwise stated in a funds availability policy, if you deposit funds to your accounts on a non-business day, after the close of business on any day, or if made to a night depository, we will treat the deposit as received by us at the opening of business on our next business day. All deposits, collections and transactions between us and you shall be governed by the Wisconsin Uniform Commercial Code, as modified by the bylaws and rules of any clearinghouse association of which we are a member and our Funds Availability Policy. We reserve the right to refuse to accept deposits or specific items for deposit. We also reserve the right to limit the minimum or maximum balance that may be maintained in your accounts and the number of deposits and items deposited. You agree that any item, (including without limitation a remotely created check) you deposit (and any interest accrued on that deposit) or for which you receive cash that is returned to us by the depository institution on which it was drawn unpaid or paid but subsequently returned may be charged against any account you have with us regardless whether the other depository institution returned the item by electronic or other means before its midnight deadline and even if such chargeback creates an overdraft. If we receive notice that an item you deposited will be returned, we may place a hold on funds in the account to which that item was deposited and apply such funds against the item to be returned. If there are insufficient funds in that account for us to place a hold on, we may place a hold on funds in any of your accounts with us. We may also place a hold on funds, reverse payment of an item from your account or reverse credit of a deposit into your account if we believe that a transaction with which you are involved is subject to fraudulent or criminal activity. To the extent not prohibited by applicable law, you agree to pay any reasonable attorneys' fees that we incur with regard to your fraudulent or criminal activity. We are not required to give you prior notice of any action that we take with regard to any item unless notice is required by applicable law. You waive notice of nonpayment, dishonor or protest for any item you deposit for credit or collection or that we pay you in cash unless notice is required by applicable law.
If you deposit a remotely created check as defined in 12 CFR 229.2(fff), you warrant that the person on whose account the check is drawn authorized the issuance of the check in the amount stated and to the named payee.
You agree that we may re-present any item without notice to you and that we may charge a fee for such re-presentation as set forth in our schedule of fees.
you agree that any item you deposit that is returned unpaid due to a missing endorsement may be reprocessed by us at our discretion and without notice to you if the form of endorsement required may be supplied by us. You agree to comply with the endorsement zone restrictions established by us. Until further modified by us, you may endorse any check for deposit by signing the back of the check in the area within 1-1/2 inches of the trailing edge of the check. (The trailing edge is the left side of the check looking at it from the front.) If you write or mark anywhere on the back of any check other than within this area, you will be responsible to us for any losses to us which are caused by these writings or marks.
You understand that we may convert the information on your check to electronic format and may present the check electronically to other financial institutions, a process called check truncation. We may also convert the electronic information back into paper format, a process called reconversion. Because we may truncate and/or reconvert your check, some security features of your checks may not survive the truncation/reconversion process. Some check stock may create programming and other errors during the truncation process. Therefore, we may request that you use the check stock we provide or that you use checks sold by vendors approved by us. If we request you to do so, you agree to use only check stock that we provide to you or from a vendor approved by us. You also agree to use only black or blue ink when writing checks if we ask you to do so. If we make either of these requests and you fail to comply, you will be liable to us for any errors caused by your failure to use our check stock or check stock approved by us or black or blue ink.
We reserve the right to handle any item as a collection item. If we take an item for collection, we act only as your collection agent. We are not responsible for an item lost while not in our possession. We are not responsible for any deposit made using our night depository service or sent to us by mail until we enter the deposit into our records.
You agree that you will not create and deposit any substitute checks without our prior written consent unless the substitute check has been endorsed by another bank. A "substitute check" is a copy of an original check that is the same as an original check for all purposes including proving that you made a payment, if it includes an accurate copy of the front and back of the original check and contains the words: "This is a legal copy of your check. You can use it the same way as you would the original check."
You authorize us to initiate automated clearing house (ACH) credit entries to the accounts and to initiate, if necessary, debit entries and adjustments for any credit entries made in error to the accounts. With respect to such entries as well as any other ACH debit entries, you agree to be bound by the rules of the National Automated Clearinghouse Association and the Wisconsin Automated Clearinghouse Association ("ACH Rules") in effect at the time of the transaction. Automated credit entries made to the accounts are provisional under the ACH Rules until we have received final settlement or otherwise have received payment. If we do not receive such settlement or payment, we are entitled to a refund of the amount credited to any account and the party making payment to you shall not be deemed to have paid you in the amount of such credit entry. Under the ACH Rules, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will notify you of the receipt of payments in the periodic statements we provide to you. Payment of electronic deposits may be made to a person or account on the basis of the identifying numbers provided by the sender even if the number identifies a person(s) different than the person(s) named by the sender. You acknowledge that you will not initiate ACH entries that violate the laws of the United States.
4. Withdrawals. When you are making a withdrawal, we may ask you for identification. If you lose any identification item, you should tell us immediately. You may withdraw funds by using forms furnished or approved by us and by any other method permitted by us. We may accept telephone, electronic or preauthorized orders from you to withdraw or transfer funds from your accounts and we may make such withdrawal or transfer pursuant to such instruction even if the withdrawals or transfers create overdrafts, as further explained elsewhere in these rules. We may limit the number of, or refuse to permit these transfers. Federal law may limit transfers and withdrawals from the accounts and you agree to follow these restrictions or such other restrictions as may be imposed by Federal law from time to time. As of the preprinted date of these Rules, Federal law limits preauthorized and automatic transfers and withdrawals (including telephone transfers) from savings and money market accounts to 6 per month. For money market accounts, no more than 3 of the 6 may be made by check, draft, debit card or similar order to third parties. Activity in excess of applicable restrictions may be grounds for closing an account or removing an account's transaction and check privileges. We also reserve the right to place additional limitations on the number of withdrawals or debits to the accounts.
If we have reason to believe that a dispute or uncertainty exists as to the rights, powers, duties or authority of anyone of you or any other signer to an account or their successors, we may, but shall not be required to refuse to permit withdrawals, pay items or recognize the authority of any signer (including any agent) until we are satisfied that the dispute or uncertainty is resolved. We will not be responsible for any damages you may suffer as a result of our refusal to allow you to make a withdrawal or pay an item due to the dispute or uncertainty.
We may pay an item drawn on an account which contains any authorized signature whether or not the form of the signature is the same as that shown on the account designation card or other account documents given to us. We may return unpaid any item that does not contain a signature reflected on the account designation card you gave us unless you have communicated to us in advance of the presentation of the item that the item should be paid. You may request that we pay items drawn on the account which bear or appear to bear a facsimile of your signature. We may pay these items, whether or not they are in fact authorized by you, as long as the facsimile signature they contain resembles any specimen or sample facsimile signature which you have given to us. You also agree that we will not be responsible if we pay any item which has been forged, altered or counterfeited regardless of by whom, or by what means including electronic or photostatic copying, in a way that a reasonable person could not detect. You agree that if we take an item for processing for collection or payment by automated means, we are not required to manually examine the item. You agree that we do not fall to exercise ordinary care in paying an item solely because, at our discretion, our procedures do not require for sight review of an item or may provide for sight review on a random basis or for items over a certain dollar amount.
Except as provided below with respect to postdated checks, our authority to process or pay any such item will not be limited or restricted in any way by legends, limitations, restrictions or other special instructions, such as "void after 6 months," written or printed on the item by you. Any such special instruction is void with respect to us and we will not be liable to you for processing or paying any item drawn on an account by reason of any such special instruction. We may, but are not required to, process or pay any item, other than a certified check, which is presented to us more than six months after its date.
You agree that we may refuse to cash a check (including but not limited to a substitute check) drawn on your account that is presented for payment by a payee or endorsee who is not a customer of ours. Alternatively, you agree that we may impose additional identification requirements on a payee or endorsee who is a non-customer of ours who presents for cashing an item drawn on your account and/or we may charge a fee to cash such item. If such person fails or refuses to supply the identifying information we request you agree that our refusal to cash the item is not considered wrongful dishonor.
Fees for postdated check notices are included in our fee schedules. We will not have a duty to act on a postdated check notice until you have given us both the number and the exact amount of the item as well as the date it was written and the name of the payee and we have had a reasonable opportunity to take action prior to payment of the item. The number and amount must be exactly correct to enable our computer system to match the item to your postdated check notice. We may return and not pay postdated items regardless of when we receive them. All oral notices will expire after 14 calendar days from the date we receive the notice unless you confirm the notice in writing to us at our address within the 14 day period. Written notices will be effective for six months from the date of the written notice unless you renew the notice in writing to us at our address for another six months.
On interest bearing accounts, we may, at any time, require 7 days prior written notice of your intent to withdraw funds from the accounts.
If we participate in an electronic check presentment program, we may receive an electronic "presentment notice" from a bank where a check which you have written was deposited or cashed. This means that that depository institution will be forwarding the check to us for payment. When we receive that depository institution's presentment notice, we may immediately charge your account for the amount of the check. If we determine that the check is not properly payable, we will return the check and credit your account for the amount of the check.
You authorize us to debit your accounts for ACH debit entries to your accounts, including debit entries that are originated by payees that convert a check drawn by you on your account into an ACH debit entry to your account.
5. Overdrafts. If a check you write or any other transfer or withdrawal request is presented for payment, of if we otherwise receive notice of such check, transfer, or withdrawal request, and sufficient funds are not available in your account (due to insufficient funds, uncollected items, or otherwise) to cover the check, withdrawal or transfer, we may, at our option, either (1) make payment in accordance with such check, transfer or withdrawal request in any order convenient to us or (2) return the check, transfer or other withdrawal request unpaid, and, in either case, we will not be liable to you for doing so. If we choose to pay the check, transfer or withdrawal request, and we are reimbursed by an automatic advance from a line of credit or transfer authorization that you may have established with us, we will impose a fee in the amount disclosed by the documents evidencing the automatic advance authorization or line of credit, if any. If we choose to pay the check, transfer or withdrawal request and we are not reimbursed by an automatic advance from your line of credit or transfer authorization, we will impose an overdraft charge for each item in the amount disclosed in the statement of fees applicable to your account; in such case, you agree that you will, without demand, immediately deposit sufficient good funds to eliminate any overdraft and to pay the overdraft charge, or we may at our option withdraw funds from another of your accounts or deduct the overdraft from the next deposit to your accounts, including any deposit of benefit payments, such as Social Security or Supplemental Security Income payments, in the amount of the insufficiency and the overdraft charge or use any collection remedy. You are responsible for immediately reimbursing us for all overdrawn items and returned items, regardless of when or why returned, and for all overdraft charges and returned check charges. Having honored such checks or other debits in the past does not obligate us to do so in the future. If there are sufficient funds in an account to cover some but not all of your check, transfer or withdrawal requests from the account, we will allow those checks, transfer or withdrawal requests that can be paid, in any order convenient to us. We are not required to notify you if your account does not contain sufficient funds to pay all items plus applicable fees.
6. Reversal. You may have the right to reverse any debit to your account sent through the ACH system that was not authorized by you in accordance with the ACH Rules. For consumer accounts, if you want to reverse a debit, this means you must give us a written statement under penalty of perjury within 15 days after you get information from us that reflects that debit. In your statement, you must declare and swear under oath that the debit was not authorized by you. If we receive your statement within the 15-day period, we will credit your account for the amount of the payment. This right of reversal is in addition to any applicable right to stop payment. We may require you to submit written statements under penalty of perjury to us under other circumstances in which you want to reverse an ACH debit entry.
7. Fees and Charges. You agree to pay service, maintenance, withdrawal, overdraft, check printing, and other fees, charges and penalties in accordance with the applicable fee schedules established by us from time to time. The types of transactions for which a fee may be imposed for overdrafts is contained in our fee schedules or account-opening disclosures that we provide to you. You may obtain a schedule of interest, fees, and charges from our office. Our current schedule of fees and charges has been given to you in a separate disclosure statement. You also agree to pay us photocopy costs and hourly fees for complying with subpoenas or other legal orders or your requests. You authorize us to deduct these fees, charges, and penalties from your accounts without notice to you and even if they create an overdraft. You agree that we may charge a fee to a payee or endorsee on a check drawn on your account who is not a customer of ours and request identification satisfactory to us for cashing the check.
8. Interest. Interest bearing accounts will bear interest at annual rates which are calculated and compounded by such methods as we may establish from time to time. This rate may be dependent upon the balance in the accounts. Current rate information is available by phone and other means at any of our locations. Except as required by law, we reserve the right to pay interest only on collected balances and only from the date of collection, not to pay interest on accounts open for less than 90 days, and not to pay interest accrued but not credited at the time an account closes. We will not pay interest on accounts that do not meet eligibility requirements established by law.
9. Records. The balance or transaction amount shown on any receipt you receive may be checked against our records. If there is an error, it will be corrected and you will be notified. Our records will prevail if there is a difference between the amounts shown on your receipt and our records.
10. Statements/Notices. Unless an account is evidenced by a passbook, we will mail or make available to you a periodic statement of the accounts. Periodic statements and notices, if any, will be mailed to anyone of you at the current address in our files, unless another method of delivery has been agreed to by us. If no transaction occurs, other than the crediting of interest or if a statement is undeliverable, we may discontinue providing statements. Based upon the type of account you select or our receipt of instructions from you, your checks may be retained by us or others in the check collection process and not returned to you with your statements or we may return to you original or substitute checks. If we or others retain your original or substitute checks, the original or substitute checks or copies of optical images of them will be available for a period of 60 days after posting them to your accounts. After 60 days, we may destroy the original or substitute checks or copies of optical images and use reasonable care to maintain legible records for 7 years after receipt of the original or substitute check or optical image during which time you may examine the records. Photocopies are available to you for a fee. Our responsibility for furnishing copies of items is limited to those items which are legible and available. All statements, notices, cancelled original or substitute checks and other items must be examined by you promptly upon receipt. You must notify us of an unauthorized or missing signature or alteration within 14 days after we send or make available to you your statement or original or substitute checks. If you fail to notify us within the time specified, you are precluded from asserting the unauthorized signature or alterations against us. Subject to paragraph 6 and other than an account problem as a result of a check's status as a "substitute check", you must also notify us of any other account problem, including an erroneous statement or passbook entry, unauthorized or missing endorsement or improper charges within 30 days of the date we mail or make available to you your statement and checks. These materials shall be deemed given when mailed by us. If the account problem is as a result of a check's status as a substitute check, you must notify us in writing within the time required by applicable law.
If an account is evidenced by a passbook, we will allow transactions on the account by any account owner, without presentment of the passbook. The passbook is for record keeping purposes only and does not constitute evidence of authority to conduct transactions on the account or a complete record of the account.
11. Individual Account. If you open an individual account, only you have the right to withdraw. Upon your death, the account balance will be payable as determined under applicable state law.
12. Joint Account. If an account is designated as a joint account on the account records, sums on deposit are payable upon the request of any one of you or any survivor unless the account designation card indicates that the signature of more than one of you is necessary before sums on deposit are paid. The account designation card may indicate that a joint account requires the signature of two or more parties to the account before sums on deposit are paid. Each of you shall notify us of the death of the other. Unless indicated otherwise on the account designation card, each of you may make deposits and withdrawals, grant a security interest in or lien on the account to us and give notices and instructions concerning the account without the consent of the other, including but not limited to, instructions to close the account. However, we may require the consent of a joint owner for any transaction if we feel it is appropriate. Subject to an owner's right to close an account, unless otherwise indicated on the account designation card, no owner acting alone without our consent may terminate the right of any other joint owner by retitling the account. If an item is payable to any of you, we may permit each of you to endorse such item for cash or deposit to the account. If an item is payable to all of you, all of you must endorse the item for cash or deposit to the account. We have no duty to notify one of you of the actions of the other. A withdrawal by one of you discharges our obligation to all of you with respect to the amount withdrawn unless the account designation card indicates that two or more signatures are required to withdraw funds from your account. If one joint owner dies, the account becomes the property of the surviving joint owner(s), subject to our security interest and right of set-off, and the surviving joint owner(s) is not required to survive the death by any specified period.
13. Marital Account. If an account is designated as a marital account on the account records, the account is payable to either of you during the lifetime of both of you and until we receive actual written notice of the death of anyone of you from a survivor or representative or beneficiary of one of you. Upon the death of either of you, 50% of the sums on deposit belong to the survivor and 50% of the sums on deposit belong to the estate or other designated beneficiaries of the decedent, in accordance with Wisconsin law, subject to our security interest and right of set-off, and neither of you is required to survive the other by any specified period. Either of you may initiate transactions on the account, endorse for cash or deposit to the account any item payable to either or both of you, or give notice or instructions concerning the account. A withdrawal by one of you discharges our obligation to each of you with respect to the amount withdrawn. Each of you agrees to notify us of the death of the other.
14. Payable on Death Accounts. You may designate your account to be a "payable on death" ("P.O.D.") account by naming one or more P.O.D. Beneficiaries and completing the proper documents. You may also change or revoke the P.O.D. Beneficiary while you are alive by completing the proper documents. You have control of the funds in your account while you are alive. If you have an individual account, upon your death, all of the funds in your account will go to your P.O.D. Beneficiaries, subject to our security interest and right of set-off and none of your P.O.D. Beneficiaries are required to survive the death by any specified period. If you have a joint account, both of you may jointly designate P.O.D. Beneficiaries and upon the death of the last surviving joint owner, the funds in the account will go to the P.O.D. Beneficiaries named on the account when the last owner dies, subject to our security interest and right of set-off and none of the P.O.D. Beneficiaries are required to survive the death by any specified period. If you have a marital account, either of you may designate P.O.D. Beneficiaries to receive your interest in the account when you die in accordance with paragraph 13. We are not required to notify any beneficiary of the existence of a POD account or any change or revocation in a P.O.D. beneficiary designation.
15. Organization Account. We will require a separate authorization document designating the person(s) authorized to make and conditions required for withdrawals from any account in the name of a legal entity such as a partnership, corporation or other organization. We will honor such authorization according to its terms until we receive written notice that it is amended or terminated by the governing body of such organization. Generally, federal law limits the availability of NOW accounts to individuals, sole proprietorships, nonprofit organizations operated primarily for religious, philanthropic, charitable, educational, political or other similar purposes, governmental units and funds held in a fiduciary capacity. If you have requested such an account you represent to us that you satisfy the eligibility requirements, and that you will not assign the account to any person who does not satisfy the eligibility requirements.
16. Agent. Subject to compliance with our procedures, all of you acting jointly may designate one or more agents with such authority to act with respect to your accounts as is authorized in the document designating the agent. Any designation of agent shall be executed in a document approved by us and shall be deemed an agency relationship governed by Chapter 705, Wis. Stats. We reserve the right to not recognize the power of an agent to act for you if the designation of agent is not made pursuant to a document we approve. We may, on a case-by-case basis, require an original power of attorney or your or your agent's signature to be notarized. We may also, on a case-by-case basis, place additional limits on your agent's authority to transact business on your account. We accept no responsibility or obligation to supervise or review the use of accounts by agents.
17. Stop Payment Orders. When placing a stop payment order, you agree to indemnify us and hold us harmless for all expenses, costs, and attorneys' fees incurred by us due to our refusal to pay the item. Fees for stopping payment are included in our fee schedules. Under the law, there are some situations where a check can be enforced against you even though you ordered us to stop payment. We will not have a duty to stop payment until you have given us both the number and the exact amount of the item as well as the date it was written and the name of the payee and we have had a reasonable opportunity to take action prior to the earlier of our payment of it or one hour after the opening of the next business day after the business day we receive it. Except as provided below for verbal orders, an order is effective for six months, unless you renew the notice, in writing within that time, for another six months. At our option we may continue stop payment orders beyond these time periods unless cancelled by you. A verbal order is effective for 14 days, unless confirmed in writing within that time. Stop payment orders received after regular banking hours or on a Saturday, Sunday or federal holiday shall be deemed received at the opening of business on the next business day (Monday through Friday, exclusive of federal holidays). The number and amount must be exactly correct to enable our computer system to match the item to your stop payment order. Stop payment orders must be received at our location where the account is held. If you have preauthorized us to make payments out of an account, stop payment orders must be received by us at least 3 business days before the payment is scheduled to be made. If you have authorized a series of charges to your account by a particular company and wish to cancel that authorization, you must notify the company in writing that you are cancelling the authorization.
If we pay the check or debit despite your timely stop payment order, the payment will stand unless you show us the check or debit was unenforceable. If we credit your account after paying a check or debit over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer to us all of your rights against the payee or other holder of the check, and to assist us in legal action taken against that person. A stop payment order will be released only upon written request from the account owner who authorized the stop payment order to be placed.
18. Official Bank Checks. If you ask us to stop payment on a lost, destroyed or stolen cashier's check, teller's check or certified check on which you are the remitter or the payee or the drawer, we will require you to provide a written declaration of loss describing the item with reasonable certainty. We must be given a reasonable time to act on the declaration before the item is paid. Your claim is not enforceable until the 90th day after we issued or certified the check and until that time we will pay the check to any person entitled to enforce it. Our payment of a check to a person entitled to enforce it discharges us of all liability with respect to the check. Such person may have a claim against you after the 90th day and after we have paid you.
19. Substitute Check Expedited Recrediting Process. If you believe that you have lost money because you received a substitute check, you may have the right to file a claim for an expedited refund. If you have the right to file a claim, we will investigate your claim and will notify you whether we have refunded to your account the amount of your claim. The claim must be in writing and must contain certain information required by applicable law to help us investigate your claim. If you call us with a substitute check expedited recredit claim within forty days of the date we mailed your substitute check or the account statement showing that the substitute check was posted to your account, whichever is later, you must notify us in writing of your claim for an expedited recredit within ten business days after the banking day on which we received your timely oral claim.
20. Cutoff Hour For Checks. Any knowledge, notice, stop payment order or legal process comes too late to modify our right or duty to pay a check or charge your account for the check if received by us after one hour after the opening of the next business day after the business day on which we received the check, or prior to that time if we do not have a reasonable time to act upon the knowledge, notice, stop payment order or legal process.
21. Inactive Accounts. If no deposits or withdrawals are made or if you do not write to us indicating an interest in an account for 5 consecutive years, the account may be presumed abandoned and paid to the State as required by law.
22. Lost Checks or Access Device. You agree to notify us promptly, verbally and in writing, of any suspected loss, theft, disappearance, or unauthorized use of any card, code, check, passbook, receipt or certificate permitting access to or evidencing your accounts. Until receipt of such notice, we shall not be liable for payments made except as otherwise provided by law to any person presenting any of the above described codes, access devices, instruments or documents. We may permit withdrawals by you or issue new evidence of an account on such conditions as we may require. We may require a waiting period or proof by affidavit of the loss, theft, destruction, or unauthorized use. We may also require a bond of indemnity in any amount satisfactory to us against all claims and expenses that we may incur.
23. Use of Access Devices. We may provide you with personal identification numbers, access codes or encryption devices or passwords ("access devices") in connection with your accounts. If anyone uses the access devices with your permission, or you voluntarily give your access device to someone you will be responsible for any charges made to the account even if you did not authorize a particular transaction. You agree to safely keep the access devices and not to record the access devices or otherwise disclose or make the access devices available to anyone other than authorized users of your account.
24. Transfer/Assignment Restrictions. Your accounts are not transferable or assignable without our prior written consent. Notice to us of a claim or interest, including without limitation, a security interest, in an account has no effect upon our rights and duties with respect to the account, and in the absence of our express agreement to the contrary or our receipt of an order of a court or administrative agency of appropriate jurisdiction, we shall not be required to abide by the terms of the notice or any instructions given to us in connection with such a claim or notice.
25. Disclosure of Information/Legal Process. We may disclose information about you and your accounts or transactions on your accounts (a) to third parties where it is necessary for completing transfers or tracing transactions, or resolving errors or claims; (b) to verify or disclose the existence, amount or condition of your accounts for third parties, such as credit bureaus, merchants, or other financial institutions; (c) pursuant to court orders and other legal process; (d) to comply with subpoenas, summonses, search warrants or requests from government agencies; (e) to comply with state or federal laws requiring us to provide information regarding depositors and their accounts to governmental agencies; (f) to other companies affiliated with us as provided below; (g) to others with your consent; and (h) otherwise in accordance with our privacy policy we provide to you. We may share information bearing on your credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living with our affiliates unless (1) you direct us at the address above that such information is unrelated to your transactions or experiences with us and may not be shared by us with our affiliates (2) the information constitutes "medical information" as defined under applicable federal law, or (3) the information when provided to an affiliate would constitute a "consumer report" under applicable law.
We shall not be liable to you for honoring garnishments, levies, or other legal process received by or served upon us which, in our opinion, apply or may apply to your accounts. Notice of such disclosure or process will be provided to you only when required by law. Any such process is subject to our security interest and right of set-off.
You authorize us to obtain information concerning your credit standing if you establish any account with us that is subject to withdrawal by check, draft, card or similar items, or from which you make electronic transfers or preauthorize transfers. You also authorize us to obtain information or make inquiries about you in connection with opening, maintaining or closing your account with us or offering other services to you.
26. Change of Address or Name and Notice. You agree to advise us promptly, in writing, of any change of address or name. Notice from us to any one of you, whether such notice is by mail to the address maintained with us for the accounts or otherwise, shall constitute notice to all persons having any interest in the accounts. We will retain any mail returned to us as undeliverable for a period of sixty days and may after that time destroy such mail.
27. Taxpayer Identification Number. You agree to provide us with your Taxpayer Identification Number (TIN) and certify its authenticity before your accounts are opened or provide us with evidence of exemption satisfactory to the IRS. Unless we receive your certified TIN, we reserve the right to refuse to accept your initial deposit, pay interest on the balance, or permit withdrawals. Interest paid prior to receipt of your certified TIN will be subject to back-up withholding under IRS regulations.
28. Termination. We reserve the right to close your accounts, with or without cause, at any time. You are responsible for any fees, charges or penalties and for the amount of any checks which are in process at the time your account is closed. You may, at any time, close the accounts after we have received notice and have had a reasonable opportunity to act on it. We may hold funds in your account to pay any of your outstanding debits before closing your account. If your account balance is zero, we may consider your account closed and we will have no further obligation to accept deposits or pay any items.
29. Set-off/Reimbursement. To the extent not prohibited by law, we have the right to set-off against all or any part of the accounts balances held in your name, either individually or jointly with another person, any debt any of you may owe us (without regard to the frequency or minimum amount limits). This right applies even if one or more of you with the right of withdrawal is not obligated to us on the debt. You agree to pay us immediately for any debt any of your owe us under this Agreement and we may use any legal remedy available to us to recover such amounts.
30. Direc1 Deposits. If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government or any other person making a direct deposit, for any reason, you authorize us to deduct such amount from the account or from any other account you have with us without prior notice and at any time except as prohibited by law. We may also use any other legal remedy to recover such amount.
31. Wire Transfers. If any portion of any wire transfer from or to your account is carried through Fedwire, our mutual rights and obligations will be governed by Regulation J of the Federal Reserve Board.
32. General. All transactions on your accounts shall be subject to applicable federal and internal Wisconsin laws and regulations, except to the extent such state laws are preempted by federal laws, these Rules and any other rules or agreements governing or referring to the accounts, including but not limited to, powers of attorney, payable on death designations, account agreements, overdraft agreements, debit card rules, account designation cards, certificates of deposit, IRA, Keogh and similar agreements, funds availability rules, and depository agreements. Your account may be subject to other terms printed on account designation cards, account agreements, certificates of deposit, internet, electronic or phone banking agreements or other agreements applicable to your account with us. In cases of inconsistency or conflict between the other rules or agreements and these Rules, the other rules or agreements governing or referring to the accounts will control.
To prevent check forgeries, we may from time to time offer you various fraud detection programs or services. You understand and agree that if you decided not to implement a check fraud detection program or service available to you, you will not assert any claim against us that could have been prevented if you had implemented such program or service.
33. Amendment. From time to time, we may amend or change interest rates, these Rules, and our fees and service charges. Amendments or changes shall be effective after any of the following: (a) notice of amendment or change is mailed or delivered to your current address in our files, or (b) notice of amendment or change is posted in the lobbies of our offices for a reasonable period of time. These terms and conditions will also be changed by the terms of any written supplements, regulations, or agreements given to you at the time of account opening before or after the change, at our option and subject to applicable law. Your continued use of your account after the effective date of any amendments or changes to the rules governing your account is deemed to show your acceptance of such amendments or changes. A change in our interest rates, fees or service charges does not constitute an amendment of these Rules.
34. Agreement. When you open an account with us, each of you, by signing the account designation card, agrees to be governed by these Rules. These Rules take the place of any other account rules you may have received from us prior to this date. Each of you agrees to hold us harmless for any action of the other concerning the account. Each of you agrees to be jointly and severally liable for fees, charges, overdrafts and any other debts relating to the account and any account deficit resulting from fees and charges, overdrafts and any other debts relating to the account whether caused by you, another person authorized to withdraw from the account, or a third party claiming an interest in the account, together with the costs we incur to collect the deficit including, to the extent not prohibited by law, our reasonable attorneys' fees, regardless of whether you benefited from the transaction or initiated the transaction.
35. Liability. We are not liable to you for any claims, damages or expenses in connection with these Rules if such claims, damages or expenses result from causes beyond our control. Examples of such causes are computer and equipment failures, outages or downtime and delays in processing items, credits or debits due to causes other than our negligence. We are not liable to you for any consequential damages you incur except for wrongful dishonor or as otherwise provided by applicable law.
36. Waiver. Each of the rights, remedies and benefits provided by these Rules are cumulative and do not exclude any rights, remedies and benefits allowed by law. We do not give up any rights under these Rules by delaying or failing to exercise them. In the event a court of law finds any of these Rules are unenforceable, the remaining Rules will remain in effect.
37. Other Provisions. There are no other provisions.

PRIVACY OF YOUR FINANCIAL INFORMATION
This Notice is intended to describe how we collect, maintain and disclose customer information. This Notice may be amended from time to time in our discretion. If you have any questions, comments or complaints about the privacy of information about you, please contact us at:
Intercity State Bank
PO Box 560, 962 Grand Ave
Schofield, WI 54476 (715) 359-4231
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us or others; and,
- Information we receive from a consumer reporting agency.
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this Notice.
We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

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