ELECTRONIC SERVICES AGREEMENT FOR INTEGRITY FIRST BANK

DEFINITIONS

The following definitions apply in this Agreement. "Online Banking" is the Internet-based service providing access to your account(s) under the terms set forth in this Electronic Services Agreement; "Online Account" means any Integrity First Bank account from which you will be conducting transactions using your Services; and "Password" is the code given to you by Integrity First Bank for use during the initial sign-on, or the code you select after the initial sign-on, that establishes your connection to the Service. "Time of day" references are to Central Standard Time or Central Daylight Time, as applicable. "We" or "us" refer to Integrity First Bank, which offers the Services, and which holds the accounts accessed by the Services.

TERMS AND CONDITIONS

The Services offered by Integrity First Bank is subject to the following terms and conditions as well as all applicable laws. For purposes of this Agreement:

• "Business Day" means Monday through Friday, excluding Federal Reserve holidays.
• "Cutoff Time" means 6:00 p.m. Central Standard Time on business days.
• "Transaction" means the preparation and remittance of your payment by US Mail or electronic means.

ONLINE BANKING AGREEMENT

By signing these online banking Terms and Conditions, you will have the ability to enroll in Integrity ePay, our online bill payment service system, a separate Consumer Terms and Conditions Agreement will be presented.

ACCESS TO SERVICES

You will gain access to your Online Accounts through the use of your Internet-enabled device, your Internet Service Provider, your Access ID, and your Password.

HOURS OF OPERATION

The Services are available 24 hours-a-day, seven days-a-week, except during special maintenance periods. For purposes of transactions, Integrity First Bank's business days are Monday through Friday, excluding Federal holidays. All Online Banking transaction requests received after 6:00 p.m. on business days, and all transactions which are requested on Saturdays, Sundays or holidays on which Integrity First Bank chooses to remain closed, will be processed on the next Integrity First Bank business day. Integrity First Bank's business day begins at 8:00 a.m.

YOUR USERNAME AND PASSWORD

The username and password you create is for your use only and will give you access to secured areas of the site. Without your unique username and password, you will be unable to access these secured areas. You agree to protect your username and password. If you disclose this username and password to anyone else, they may be able to access your personal financial information and accounts. The act of your sharing of your username and password will be deemed to be authorization of this access and disclosure. You agree to assume responsibility for all transactions on your account through online banking services up to the limits allowed by applicable law.

If you are not the person whose username and password is being used to access information on our system, please be advised that this may constitute a fraudulent act. The Identity Theft and Assumption Deterrence Act of 1998, makes identity theft a federal crime with penalties up to 15 years imprisonment and a maximum fine of $250,000. (Title 18 USC 1028)

IF YOUR PASSWORD HAS BEEN LOST OR STOLEN

If your Password has been lost or stolen, call Integrity First Bank immediately at 715-845-0900, 8:00 a.m. to 5:00 p.m. (Central Time). Telephoning Integrity First Bank is the best way of minimizing your losses.

BANKING TRANSACTIONS WITH ON-LINE BANKING

In addition to viewing account information, you may use Online Banking to conduct the following transactions:

• Transfer funds among your linked checking accounts, savings accounts, money market accounts, and line of credit accounts. NOTE: Because regulations require Integrity First Bank to limit pre-authorized transfers (including Online Banking transfers), the following limitations apply:
  • Statement Savings Account - You can make no more than six transfers per calendar month by pre-authorized or automatic transfer, or by Telephone or Online Banking.
  • Money Market Savings Account - You can make no more than six transfers per calendar month by pre-authorized or automatic transfer, or by Telephone or Online Banking, and no more than three of these may be by check, draft or debit card.

The foregoing constitutes your exclusive remedy under this Agreement. In no event shall Online Banking, Integrity First Bank, or its employees be liable for any direct, indirect, special, incidental, consequential, or punitive damages, whether claimed by you, any third party, or otherwise.

GOVERNING LAW

You acknowledge and expressly agree that this Agreement shall be governed by and construed in accordance with the laws of the State of Wisconsin, except only as may be superceeded by or otherwise controlled under applicable federal banking regulations with respect to any action or proceeding to enforce any liability or obligation of this Agreement.

STATEMENTS

You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account. IF YOUR STATEMENT SHOWS TRANSFERS THAT YOU DID NOT MAKE, notify Integrity First Bank immediately by calling us at 715-845-0900, 8:00 a.m. to 5:00 p.m. (Central Time), or writing Integrity First Bank at:

Integrity First Bank
101 Grand Ave
Wausau, WI 54403

If you do Not notify Integrity First Bank within sixty (60) days after the statement was mailed or sent electronically to you, you may not recover any money lost after the sixty (60) days which would not have been lost if Integrity First Bank had been notified in time. If a good reason as reasonably determined by Integrity First Bank (such as a long trip or hospital stay) delayed you from contacting Integrity First Bank, Integrity First Bank, at its option, may extend these time periods.

ERRORS AND QUESTIONS

In case of errors or questions regarding Online Banking, call Integrity First Bank at 715-845-0900, or write us at:

Integrity First Bank
101 Grand Ave
Wausau, WI 54403

We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the first statement on which the problem or error appeared. We will need:

1. Your name and account number (if any)
2. A description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information
3. The dollar amount of the suspected error
4. The date on which it occurred.

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) business days from your initial contact. We will notify you with the results of the investigation within ten (10) business days and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) business days from your original contact, we may not credit your account until the investigation is completed. If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation.

LIMIT OF INTEGRITY FIRST BANK AND OTHER SERVICE PROVIDERS RESPONSIBILITY

Integrity First Bank agrees to make reasonable efforts to ensure full performance of Online Banking. We do not warrant that access to www.integrityfirstbank.com will be uninterrupted or error free. You agree to use our site on an "AS IS" and an "AS AVAILABLE" Basis.

Because of the possibility of human and mechanical error as well as other factors, we disclaim any implied warranty of any kind, including representation about its accuracy, completeness, appropriateness or fitness for a particular purpose, merchantability, non-infringement of third party right, and freedom from computer virus.

By using our site, you accept at your own risk that the Internet may not perform as intended despite our best efforts, your best efforts, and the best efforts of our and your Internet service providers. Integrity First Bank is not responsible for any computer virus or related problems. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking. Integrity First Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

Integrity First Bank’s website links to certain contracted service providers, our vendors, such as iPay. You will be notified if and when Terms and Conditions of access and use change when using services offered through Integrity First Bank.

Integrity First Bank will be responsible for acting only on those instructions sent through Online Banking which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under its control which may affect the accuracy or timeliness of messages you send. Integrity First Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment.

You assume full responsibility for using the information on this site. You understand and agree that we are neither responsible nor liable for any claim, loss, or damage resulting from its use. Any information you receive from Integrity First Bank or other Service Providers is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Integrity First Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

The limit of Integrity First Bank's liability shall be as expressly set forth herein. Under no circumstances will Integrity First Bank be liable for your use of this website in contract, tort, or otherwise for any damages, whether or not foreseeable. These damages include without limitation, direct, indirect, special, consequential, incidental, or punitive damages.  By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

OTHER AGREEMENTS

In addition to this Agreement, you and Integrity First Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. We reserve the right, at our discretion, to amend the terms and conditions of this Agreement at any time upon reasonable advance notice to you by enclosing a notice of such changes in a statement we send to you or by posting notice of the changes on our Online Banking website. Your continued use of the Service is your acknowledgement that you have received these agreements and intend to be bound by them.  You should review other disclosures received by you when you open your accounts at Integrity First Bank, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement.

INACTIVITY/TERMINATION

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. However, termination of this Agreement will not affect the rights and responsibilities of the parties for transactions initiated before termination. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive ninety (90) day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service. To cancel the On-line Banking, you must notify Integrity First Bank and provide your name, address, and the effective date to stop the service. You may notify Integrity First Bank by calling 715-845-0900, 8:00 a.m. to 5:00 p.m. Central Time or by writing a letter and either sending it to the following address or giving it to a Banker at:

Integrity First Bank
101 Grand Ave
Wausau, WI 54403

FEE SCHEDULE

Please refer to Integrity First Bank’s Scheduled of Services Fees for other charges that may be charged to your account. These fees are subject to change. Integrity First Bank will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.

If you should have any questions, please feel free to contact us by phone at 715-845-0900