Digital Banking Services Agreement

1. You may receive "Your Documents" electronically by agreeing to the terms of Paperless Statements and by enrolling in Paperless Statements. For a description of what is included in "Your Documents" see the Paperless Statements Agreement below.
2. By clicking "I Agree" or logging in you are confirming that you can access and read all of this Agreement. (View System and Technical Requirements).
3. You may use the "Contact Us" feature to update information needed to contact you electronically.
4. You should print this Agreement and retain a copy for your records. If you need a paper copy from us, please call a Crawford County Bank representative at 712-263-5685 during business hours.

In this Agreement, "you" and "your" refer to the person(s) named in the enrollment used to obtain access to this site and any other person that you permit to access the site using your User ID or password. The words "we," "us" and "our" refer to Crawford County Bank.

THIS AGREEMENT CONSISTS OF THE FOLLOWING PARTS:

1. Online Banking Services Terms
   These Terms are applicable to the services (the "Online Banking Services") described in the Online Banking Services Terms portion of this Agreement.
   
   
2. Terms of Use
   These Terms are applicable to our website generally and to the Online Banking Services and other services (together, the "Services") that are accessible through our website.
   
   
3. Privacy Policy
   This is our current privacy policy.
   
   
4. Consumer Online Safeguards
   This is our current Individual Customer Online and Identity Safeguards.
   
   
5. Paperless Statements
   This section will only apply if you agree to the terms and enroll in Paperless Statements.
   
   
6. Terms Applicable with Mobile Banking

All terms are subject to change. These terms are the complete terms of our agreement with respect to the Services described herein, but do not supersede the terms and conditions applicable to other products or services that you may have previously acquired from us or that you may acquire from us in the future. These terms do not, for example, supersede the terms applicable to your deposit accounts, credit cards, debit cards or other line of credit or loan products.

A. ONLINE BANKING SERVICES TERMS

1. PINS and Passwords; Security
   IMPORTANT: We may permit access to your account information and may accept as authentic any instructions given to us using your User ID or password. You agree to keep your User ID and password secret. You agree to notify us immediately if your User ID or password is lost or stolen or if you believe someone else has discovered your User ID or password. If you permit someone else to have access to your User ID or password, you are authorizing that person to act on your behalf. We may permit such a third party to access your account information, to make transfers and payments and to otherwise use the Services. Online Banking Services enable you to change your password; we recommend that you do so regularly. You agree to follow the Online Safeguards posted in our Security Center and you accept responsibility for losses that are caused by your failure to do so. We may be liable for certain losses to the extent required by applicable law and regulation (see Liability for Unauthorized Use). We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. We reserve the right to: (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers and payments as we deem appropriate. This means, for example, that we may require your written or other verification before we make a transfer. Our records will be final and conclusive in all questions concerning whether or not your User ID or password was used in connection with a particular transaction. If any unauthorized use of your User ID or password occurs, you agree to: (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance that we request in recovering any unauthorized transfer or payment.
   
   
2. Account Information
   Balance information available on our website may not reflect outstanding checks or charges, unposted transactions (such as deposits, payments or credits), or recent transfers or payments. Balances in deposit accounts may also be subject to a hold (which will not necessarily be evident from your online statement, but you will receive written notice when the hold is placed). Balance information is generally provided as of the end of the prior business day and may not reflect pending transactions. Online transaction history for accounts is limited. You may need to check the statements that we have previously sent you for information prior to the first day covered by the online transaction history.
   
   
3. Email
   You may use the email feature in the Contact Us feature of our website for general, non-urgent communications with us. You should not rely on email for important or time-sensitive notices to us such as stop payment orders, or for reporting a lost or stolen User ID, password, or credit, debit or ATM card. In any event, we will not take action based on an email request until we actually receive your message and have a reasonable opportunity to react. We would also caution you against using email for transmitting sensitive personal information. We reserve the right to terminate Services if email is used for threatening, abusive, obscene, libelous, defamatory or offensive material. Offensive material includes, among other things, sexually explicit messages or other messages that can be construed to be harassment or disparagement of others based on their race, color, religion, disability, age, sex or national origin.
   
   You may use the Contact Us feature of our website to notify us of errors on your statements (for further information, see Error Resolution Procedures with reference to transfers or payments, or the applicable similar provision in the disclosures given to you for an existing product). You should not consider that we have received your notification unless and until you receive a response from us. If you do not receive a response to your dispute within two days, you should resend your message (and await a response from us) or follow the other notification procedures in the applicable provisions referenced above.
   
   DO NOT NOTIFY US VIA EMAIL OF LOST OR STOLEN USER IDS, PASSWORDS, CREDIT, DEBIT OR ATM CARDS. DO NOT SEND TRANSFER OR PAYMENT REQUESTS VIA EMAIL.
   
   
4. Service Availability
   Services will generally be available 24 hours per day, seven days per week, except for scheduled maintenance. Currently, this means Services will not be available from approximately 11 p.m. Central Time on Sunday to 3 a.m. Central Time on Monday. Services may be unavailable at other times for security reasons, due to system problems, if phone lines are down, and for other reasons. We reserve the right to change service hours at any time.
   
   
5. Termination of Online Banking Services
   If you want to terminate your access to the Online Banking Services, you can call us at the number in the Contact Us section of our website. Online Banking Services may be discontinued immediately if we receive a call from you or someone claiming to be you. Alternatively, we may require that you follow another procedure so that we may verify your identity and your authorization to terminate. Recurring transfers or payments will not necessarily be discontinued because you terminate access to Online Banking Services. If you want to make sure that online recurring transfers or payments are stopped, you must follow the procedures in the Discontinuing Transfers and Payments paragraph.
   
   We reserve the right to terminate access to any or all Services in whole or in part at any time, with or without cause and without prior written notice. In that event or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously authorized transfers or payments, including recurring transfers or payments and other transfers that you previously authorized but have not yet made. We also reserve the right to temporarily suspend access to our website and any or all Services in situations we deem appropriate, in our sole and absolute discretion, including when we believe a system security breach has occurred or is being attempted. We may consider repeated incorrect attempts to enter your User ID or password as an indication of an attempted security breach.
   
   Terminating the Services does not affect your or our rights or obligations under this Agreement with respect to occurrences before termination.
   
   
6. Changes
   IMPORTANT NOTICE REGARDING CHANGES IN TERMS: We may unilaterally change the terms of this Agreement at any time. This includes modifications, deletions and the addition of new provisions, including non-financial provisions (for example, we may add provisions relating to our enforcement rights or the resolution of claims and disputes). If we make changes, we will send you a written or electronic notice, if required by law. Changes will be automatically effective on the date we specify and without the necessity of any further assent on your part. Unless we specify otherwise, changed terms will apply to your account(s) as then outstanding as well as to future transactions and balances. Each time you use Online Banking Services, you are confirming your assent to the terms of this Agreement, including all announced changes. Use of Online Banking Services is not, however, necessary for a change in terms to be effective. If you disagree with a change, you should stop using Online Banking Services.
   
   
7. Credit Review; Third Party Contacts
   You agree that we may contact any source necessary and may obtain credit reports on you in connection with the Services. We may also contact third parties (such as but not limited to merchants and other financial institutions) in connection with resolving problems with the Services (e.g., in connection with delayed or incorrectly posted payments).
   
   
8. Assignment
   You may not transfer, assign or delegate your rights or duties under this Agreement. Do not use an aggregator or screen scraper service provider. If you choose to use an aggregator or screen scraper service provider, you are authorizing them to act on your behalf in obtaining the Services.
   
   
9. Sole Proprietor Accounts
   If you use the Services to access a sole proprietor account with us, note that: (i) you are solely responsible for the tax consequences of all transfers between your various business and personal accounts and all payments you make using the Services; and (ii) Sections 18, 19, 20 and 21 of these Online Banking Services Terms do not apply to transfers from your sole proprietor account. Provisions of this Agreement indicating that we are liable for failure to make transfers or payments on time or that we are liable for failure to cancel or discontinue transfers or payments are applicable only to transfers from consumer accounts.
   
   
10. Authorization
    Each time you request us to make a transfer or payment using the Services, you authorize: us to complete that transfer or payment without any further instructions or your signature; and the account-holding institution (which may or may not be us) to deduct the transfer or payment amount from the deposit account you identify (subject to restrictions our system imposes).
    
    You may revoke your authorization only by following the procedures (and subject to the limitations) in the paragraph on Discontinuing Transfers and Payments. Certain authorizations may not be revoked because we begin to process the request immediately. We are entitled to treat transfer and payment requests as if they were in writing and signed by you if initiated by your User ID and password.
    
    
11. Transfers between Accounts with Us
    
    You may use the Online Banking Services to transfer money between certain accounts of yours with us (subject to relevant account restrictions). Such transfers may be "variable" or "recurring". A variable transfer is a transfer that is made on a one-time basis that is: (1) scheduled to pay on the same business day you request such transfer and such immediate variable transfer will be made immediately; or (2) scheduled to pay on a future business day from the business day you request such transfer and such future variable transfer will occur at the time of processing on that future business day. A recurring transfer is one for the same amount that is made on a weekly, bi-weekly, bi-monthly, monthly, quarterly, semi-annual, or annual basis. Once started, recurring transfers will be made automatically until you tell us to cancel the recurring payment and we have a reasonable opportunity to act or until the recurring transfer end date that you establish with us. Please note that transfer dates will be automatically moved to the next business day if you request a transfer date that is not a business day or you request the transfer date to be on the same day as your request and you make such request after 9:00 p.m. Central Time or on a day that is not a business day.
    
    Note: Do not send transfer requests via email.
    
    
12. Payments to a Credit Card Account with Us
    You may use the Online Banking Services to pay your credit card account with us online every month using a checking or savings account that you specify. We may restrict, and you agree not to initiate, payments that are greater than the then current balance on your credit card account. If any third party makes a claim against us as a result of your use of the Services in this way, you shall reimburse for all losses we sustain in connection with that claim and you shall fully indemnify, defend and hold us harmless against that claim. In such an event, we may also reverse any credit given on your credit card account.
    
    Payments will be made in the amounts and on the "payment dates" you specify. Generally, payments will post to your card account on the payment date so long as we have received your payment instructions before our cutoff time for that payment date. Our cut-off time is subject to change from time to time without notice; however, if you try to submit a payment after the cut-off time for a payment date, our system will alert you. If payment for your card account is not posted by its due date, you may be assessed a late payment fee.
    
    Note: Do not send credit card payment request via email.
    
    
13. Limitations; Compliance with Law
    In addition to the limitations stated above, any applicable limitations on transfers that apply to any of your deposit accounts remain in effect (and transfers or payments using the Services will count as transfers for those purposes). For security reasons, there may be limitations (in addition to those referenced above) on the frequency and dollar amount of the transfers and payments you may make using the Services.
    
    If you are initiating payments or transfers from an account other than a consumer account: You agree to be bound by the rules of the National Automated Clearinghouse Association and other relevant clearing house associations as in effect from time to time (the "Rules"). You will be considered the Originator of your entries under the Rules. You agree not to initiate entries that violate the laws of the United States. These laws include, but are not limited to, sanctions enforced by the Office of Foreign Assets Control (OFAC). It is your responsibility to obtain information regarding OFAC enforced sanctions. You may obtain further information from the OFAC Compliance Hotline at (800) 540-OFAC.
    
    
14. Statements
    Transfers and payments from your accounts with us will be reflected on the regular monthly account statements we provide to you. Payments from deposit accounts with other institutions should be reflected on the statements you receive from those institutions. Please continue to review all the statements you receive through the mail. You may also review transfers and payments from your accounts with us on your account detail screens. If any of your statements show an incorrect or unauthorized transaction, you agree to notify us immediately. If you do not follow the Error Resolution Procedures, your statement will be considered correct for all purposes and we will not be liable for any transfers or payments reflected thereon. You agree to promptly notify us of any change in your address or telephone number.
    
    
15. Balances
    We may, but need not, make any transfer or payment if you do not have a sufficient balance on the date you request the transfer or payment or on the date the transfer or payment is scheduled to be made. If we do make the transfer, you agree to immediately reimburse us for the overdraft that it creates (and understand that we may deduct the amount thereof from any other account you, alone or with others, maintain with us) and that we may charge you a fee for the overdraft. Although we may generally attempt to inform you if a requested transfer or payment is not made, we are not obligated to do so.
    
    
16. Discontinuing Transfers and Payments
    For recurring transfers between accounts: If you wish to cancel a recurring transfer, select the transfer you wish to cancel on your pending transfers list on our website. After you select the transfer you wish to cancel, you can choose the delete transfer cycle option. This will cancel the pending transfer and delete the future transfers in that transfer cycle. In addition, you can call us at the number in the Contact Us section of our website, or write to us at:
    
    Crawford County Bank, 21 North Main, Denison, IA 51442
    
    We must receive your request at least three business days before the transfer date. If you request us to cancel a recurring transfer three business days or more before the transfer date and we fail to do so, we are liable for your losses or damages (applicable to consumer accounts only). You may not discontinue transfers that are no longer on your pending transfers list.
    
    For variable transfers between accounts: If you wish to cancel a future variable transfer, you can select the transfer you wish to cancel on your pending transfers list on our website. After you select the transfer you wish to cancel, you can choose the cancel transfer option. In addition, you can call us at the number in the Contact Us section of our website, or write to us at:
    
    Crawford County Bank, 21 North Main, Denison, IA 51442
    
    We must receive your request at least three business days before the transfer date. Although we may attempt to honor cancel requests for variable transfers, we are not obligated for failing to do so. You may not discontinue transfers that are no longer on your pending transfers list.
    
    For Transfers or Payments from a Deposit Account with Another Institution: You may not discontinue with us transfers or payments that you have initiated from a deposit account you have elsewhere to a deposit account or credit card account that you have with us.
    
    DO NOT SEND REQUESTS TO DISCONTINUE TRANSFERS OR PAYMENTS VIA EMAIL.
    
    
17. Our Liability
    If we fail to complete an electronic funds transfer or payment in time or in the correct amount, in accordance with this agreement and when you properly instruct us, we are liable for your losses or damages. However, there are some exceptions. For instance, we are not liable: (1) if, through no fault of ours, you don't have sufficient funds in your account to make the transfer or payment; (2) if the funds are subject to legal process or other encumbrance restricting a transfer or payment; (3) if the transfer or payment exceeds your credit limit; (4) if there is a technical malfunction which is known to you at the time you attempt to initiate the transfer or payment or, in the case of a recurring transfer or payment, at the time the transfer or payment should have occurred; (5) if circumstances beyond our control (such as a fire, flood, power outage or communications or computer system failure) prevent the transfer or payment, despite reasonable precautions that we take. In no event are we liable for more than actual damages proved if any failure of ours was unintentional, and resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adopted to avoid such an error.
    
    This does not mean that we accept liability for other circumstances resulting in transfers or payments not being made or completed on time. For example, we are not responsible for delayed or failed transfers or payments if: (1) you fail to use the Services properly in accordance with this agreement and any online or other instructions supplied in connection with the Services; (2) you don't request the transfer or payment and schedule it sufficiently in advance of the due date for the obligation you are paying; (3) you exceed applicable restrictions on the number, amount or frequency of transfers; (4) you fail to supply accurate information with regard to the persons you wish to pay (e.g., name, address and account number) or the account from which you wish to have the transfer or payment made; (5) the person you wish to pay or their bank mishandles or delays posting the payment (or, in the case of transfers from your account with another institution to your deposit account with us, your account-holding institution refuses to honor or mishandles or delays the transfer); (6) your computer or software fails to operate correctly, or your instructions are lost or delayed in transmission to us; (7) a bona fide security consideration causes us not to make the transfer or payment (e.g., your User ID or password has been reported lost or stolen, we have reason to believe a transfer is unauthorized, or the transfer would violate other security restrictions in our system); or (8) your relevant deposit account is closed or services hereunder have been terminated or suspended.
    
    
18. Liability for Unauthorized Use
    Tell us AT ONCE if you believe your User ID or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your deposit account (plus your maximum line of credit). If you tell us within two business days, you can lose no more than $50. If you do NOT tell us within two business days after you learn of the loss or theft of your User ID or password, and we can prove we could have stopped someone from using your User ID or password without your permission if you had told us, you could lose as much as $500. Also, if your deposit account statement shows transfers or payments that you did not make, 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 prevented someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your User ID or password has been lost or stolen or that someone has transferred, or may transfer money from your account without your permission, you can call us at the number in the Contact Us section of our website, or write to us at:
    
    Crawford County Bank, 21 North Main, Denison, IA 51442
    
    Note: Do not send notification of lost or stolen user IDs or passwords or unauthorized transfers via email.
    
    
    
19. Error Resolution Procedures
    In case of errors or questions about transfers or payments from your accounts with us, telephone us at the number in the Contact Us section of our website, or write to us at:
    
    Crawford County Bank, 21 North Main, Denison, IA 51442
    
    Contact us as soon as you can if you think a statement you receive is wrong, or if you need more information about a transfer or payment listed on your statement. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
    
    Tell us your name and account number.
    
    Describe the error, or the transfer or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    
    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 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 provisionally credit your account within 10 business days for the amount you think is in error, so that you 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.
    
    
20. Business Days
    For purposes of these Online Banking Services Terms, our business days are Monday through Friday, excluding holidays.
    
    
21. Confidentiality
    We will disclose information to third parties about your account or the transfers you make:(i) Where it is necessary for completing transfers, or (ii) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or (iii) In order to comply with government agency or court orders, or (iv) If you give us your written permission. Also see our Privacy Policy.
    
    
22. Account Alerts
    The Account Alerts service enables you to request and receive electronic mail (email) messages about your accounts with us. You may receive Account Alerts via email account, subject to the terms and conditions of your agreement with your internet service provider. You are responsible for any fees imposed by your internet service provider. We provide Account Alerts to you by utilizing the instructions you provide to us. You are responsible for providing us a current, accurate email address to receive Account Alerts. Account Alerts are sent to you without being encrypted and may include your name and information pertaining to your account(s). Your receipt of Account Alerts may be delayed or prevented by factor(s) affecting your internet service provider(s) and other factors outside our control. We do not guarantee the delivery or the accuracy of the contents of any Account Alert. We are not responsible for (a) inaccurate or incomplete content in a Account Alert; (b) non-delivery, delayed delivery, or misdirected delivery of a Account Alert; (c) your dependence on or use of the information provided in a Account Alert for any purpose; or (d) security relating to the delivery of a Account Alert. Account Alerts are provided for convenient informational purposes only. Account Alerts do not comprise a bank record for the account to which it relates. We reserve the right to terminate or change the Account Alerts service at any time and for any reason without prior notice to you.

B. TERMS OF USE

These Terms of Use are in addition to the Online Services Terms. In the event of conflict between these Terms of Use and the Online Services Terms, the Online Services Terms control. READ THE FOLLOWING TERMS OF USE CAREFULLY. BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THE FOLLOWING TERMS OF USE AND THAT YOU ACCEPT AND WILL BE BOUND BY THEM, AS THEY MAY BE MODIFIED BY US FROM TIME TO TIME. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT USE THIS WEBSITE. ANY USE OF THE WEBSITE IS AT YOUR SOLE RISK. "WE", "US" AND "OUR" REFER TO Crawford County Bank.

1. General Restrictions Concerning Use of Our Website
   As a condition to the use of our website, you agree not to use our site for any purpose or transaction that is unlawful or prohibited by these terms or any other agreement you have with us. You also agree not to use our website in any manner which could: (1) damage, disable, overburden, or impair our website or anyone else's site; or (2) interfere with any other party's access to or use of our website or anyone else's site. You agree not to obtain or attempt to obtain access to or use of any aspect of our website through any means we do not intentionally make available on the site. You agree not to frame our website or to mirror our website on any other site and agree not to link to any portion of our site other than our home page. Unauthorized use of this website and systems, including but not limited to, unauthorized use of our systems, misuse of passwords, or misuse of any information posted to this website, is strictly prohibited.
   
   
2. Copyright and Trademark Notices
   The works of authorship contained at , including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by us or one of our affiliates.
   
   We retain title, all intellectual and proprietary rights (including, without limitation, patent, copyright, trademark and trade secret rights), and all other rights in and to our websites, all information, resources, content, tools, services and other features accessible thereon, all our business methods and processes, and all modifications, improvements, enhancements and new functionalities added to any of the foregoing. Except for the access and usage privileges that we specifically grant to you in and subject to these terms, nothing shall be deemed to grant you any right, title, interest or license in or to any of the foregoing. All privileges granted to you are limited, non-exclusive, non-transferable, and revocable.
   
   Except as otherwise expressly stated herein, our intellectual property (including, without limitation, patent, copyright, trademark and trade secret rights) may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent. You may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.
   
   
3. Notification of Claimed Infringement
   This notice is issued pursuant to the Online Copyright Infringement Liability Limitation Act.
   
   If you believe that any material or content posted on this site constitutes copyright infringement, please forward the following information in writing to the email address listed below (a "Notice"): (i) your address, telephone number, and email address; (ii) a description of the copyrighted work that you claim has been infringed; (iii) a description of where the alleged infringing material is located; (iv) a statement by you that you have a good faith belief that the dispute use is not authorized by you, the copyright owner, its agent, or the law; (v) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; and (vi) a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by us, any alleged infringer, or any copyright owner or its authorized agent or licensee.
   
   Notice must be emailed to: FNBOCopyrightOffice@fnni.com
   
   
4. Patent Notice
   Crawford County Bank and its affiliates which include Crawford County Bank, are licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. United States Patents: 5,561,707; 5,828,734; 5,684,863; 5,815,551; 5,974,120; 5,917,893; 5,898,762; and others.
   
   
5. Limitation or Termination of Website Access
   We reserve the right to terminate access to our website and any or all services in whole or in part at any time, with or without cause and without prior written notice. We also reserve the right to temporarily suspend access to our website and any or all services in situations we deem appropriate, in our sole and absolute discretion, including, without limitation, when we believe a system security breach has occurred or is being attempted.
   
   
6. Information Accuracy
   This information on this website is for information purposes only. It is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. Although we strive for accuracy, some information and resources provided to you using the services may contain technical or other errors, inaccuracies or omissions, typographical errors, and may become outdated. Information on our website including without limitation, product descriptions, definitions, explanations of uses, frequently asked questions, glossary of terms, and helpful hints are provided for your convenience only. We may change our products, services, terms, conditions and pricing at any time without notice and without first updating our website. Nothing on our website is intended to provide legal, accounting, tax or financial advice; you should consult your own professional advisor on such matters. Tools that you may access through our site are provided for your convenience, but are not guaranteed to be error-free.
   
   
7. Limitation of Liability and Disclaimer
   THE INFORMATION CONTAINED IN OR ACCESSED VIA THIS WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE". NEITHER WE NOR ANY THIRD PARTY DATA PROVIDER IS PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE. WE AND ALL THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, WE WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL WE BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND OUR CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.
   
   NEITHER WE NOR ANY THIRD PARTY DATA PROVIDERS WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EACH EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN ALL MATERIALS AND INFORMATION.
   
   FURTHERMORE, WE AND OUR AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND OUR AND OUR AFFILIATES' CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING OUR RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.
   
   UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER WE HAVE BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
   
   IF YOU ARE DISSATISFIED WITH ANY ASPECT OF OUR SITE OR THE SERVICES AVAILABLE VIA OUR WEBSITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESS.
   
   
8. Links to Other Websites
   This website contains links to other websites. We are not responsible for the content, accuracy, or opinions expressed in such websites, and such websites are not investigated, monitored, or checked for accuracy or completeness by us. Inclusion of any linked website does not imply approval or endorsement of the linked website by us.
   
   
9. Additional Terms
   These terms do not supersede the agreements, terms and disclosures applicable to other products or services that you may have previously acquired from us or that you may acquire from us in the future including, without limitation, the terms applicable to your deposit accounts, credit cards, debit cards or other line of credit or loan products. Where appropriate, review those specific terms and conditions.
   
   
10. Information Submissions
    All information submitted via this site by a visitor to this website shall be deemed and remain our property and by sending us such information you: (1) grant us an unrestricted, royalty-free, perpetual, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute that information; and (2) agree that we are free to use any ideas, expressions of ideas, concepts, know-how, designs, techniques for any purpose whatsoever including, but not limited to developing, manufacturing and marketing products incorporating such information that you send us. We shall not be subject to any obligations of confidentiality regarding such submitted information except as agreed by our entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing our responsibilities and obligations to customers in accordance with our Privacy Policy posted on our website.
    
    
11. Violations of Terms; Indemnity
    We reserve the right to seek all remedies available at law and in equity for violations of these terms, including the right to block access from a particular Internet address to the Site. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD US HARMLESS FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY’S FEES, RELATED TO YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.
    
    
12. Governing Law; Venue
    Unless we otherwise agree in writing, Iowa a law governs these terms and all aspects of our relationship with you. If any part of these terms is invalid or unenforceable, the remainder will stay in effect. Litigation arising out of or relating to these terms, our website, the Services or any aspect of our relationship with you shall be commenced and maintained solely and exclusively in the state and federal courts sitting in Crawford County, Iowa, United States.
    
    
13. Area of Service
    The Services are not necessarily available everywhere, and may or may not be available to non-residents or non-citizens of the United States. Accessing our website from outside the United States is not permitted, except for access by our existing customers. Information about products and services is provided for informational purposes only and should not be considered an offer to make those products and services available to you. We have no obligation to provide a product or service until: (i) we have received and approved an application in the form we require; and (ii) you have signed a separate written agreement in the form we require (if any). We may require in-person closings for certain products.
    
    
14. Waiver
    We will not be deemed to have waived any of our rights or remedies unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

C. PRIVACY POLICY

This is our current privacy policy

D. CONSUMER ONLINE SAFEGUARDS

This is our current Personal Online Safeguards. For additional information, review the Privacy and Individual Consumer Online Safeguards sections.

E. PAPERLESS STATEMENTS AGREEMENT

If I agree to these Paperless Statements Terms and Disclosures it becomes part of the Online Agreement (the "Agreement"). You agree to these terms when you SELECT "I would like to receive Paperless Statements for this account" during the initial online banking enrollment process or CLICK "SUBMIT" from the "Enroll in Paperless Statements" page under the "Accounts" tab when you enroll in Paperless Statements at a later time. YOU ARE ALSO CONFIRMING YOUR CONSENT TO RECEIVE THESE TERMS AND "YOUR DOCUMENTS" (AS DEFINED BELOW), ELECTRONICALLY. YOU ARE ALSO AGREEING THAT YOU DO NOT NEED TO BE PROVIDED WITH A PAPER COPY UNLESS YOU SPECIFICALLY REQUEST A PAPER COPY BY FOLLOWING THE INSTRUCTIONS BELOW. IF YOU ELECT TO RECEIVE PAPERLESS STATEMENTS ON ONE BUT NOT ALL OF YOUR ACCOUNTS, WE MAY PROVIDE GENERAL ACCOUNT NOTICES, DISCLOSURES, PRIVACY NOTIFICATIONS, RE-DISCLOSURES AND SIMILAR GENERAL ACCOUNT NOTIFICATIONS REGARDING ALL OF YOUR ACCOUNTS ELECTRONICALLY. ONCE YOU HAVE ENROLLED IN PAPERLESS STATEMENTS, YOUR ACCOUNT STATEMENTS WILL BECOME ONE OF "YOUR DOCUMENTS" THAT ARE PROVIDED ELECTRONICALLY.

"Your Documents" means this agreement the Online Agreement, our Privacy Policy, our Security Statement, account statements, new account agreements, deposit agreements, account re-disclosures, other agreements and notifications relating to your account, privacy notifications, administrative fee notifications, terms and conditions, and any disclosures required now or in the future by applicable law or regulation. "Your Documents" do not include tax documents unless you separately enroll to receive them electronically here.

If you do not consent to receiving "Your Documents" electronically, you should not enroll in Paperless Statements.

If you wish to withdraw consent to receiving "Your Documents" electronically, call us at the number in the Contact Us section of our website. If you do so you may be unable to access our services online. Withdrawal of your previously given consent will not affect transactions which occur before we receive notice from you and have reasonable opportunity to act.

You should print this Agreement and "Your Documents" and retain a copy for your records. If you need a paper copy of "Your Documents" from us, please call us at the number in the Contact Us section of our website, and tell us which documents you need copies of. We may assess a fee.

1. Your Documents
   Generally, you will receive a notification that Your Documents are available at our site via an e-mail sent to the address you provide, subject to the terms and conditions of your agreement with your internet service provider. You are responsible for any fees imposed by your internet service provider. Your receipt of e-mails may be delayed or prevented by factor(s) affecting your internet service provider(s) and other factors outside our control. We do not guarantee the delivery or the accuracy of the contents of e-mails as received by you. We are not responsible for (a) inaccurate or incomplete content in an e-mail (except that we use reasonable care to achieve accuracy and completeness at the time we send it); (b) non-delivery, delayed delivery, or misdirected delivery of an e-mail; (c) your dependence on or use of the information provided in an e-mail; or (d) security relating to the delivery of an e-mail.
2. Checks
   You understand that checks drawn on your account will not be sent to you and will not be provided in your monthly electronic account statement. Should you need a copy of a check, please refer to the Transaction Search section on our site or you may call us at the number in the Contact Us section of our website.
3. Email Address Change
   You are responsible for providing us a current, accurate e-mail address. If your e-mail address changes, please update it by selecting the Update Email option under the Account Services Tab. You may call us at the number in the Contact Us section of our website. You will be responsible for maintaining an accurate e-mail address at which to receive the e-mail notifications.
4. Your right to request a paper copy of Your Documents.
   With Paperless Statements, we will not normally mail you paper copies of Your Documents sent to you electronically. To obtain a paper copy, please refer to the Services tab section on our site. You may call us at the number in the Contact Us section of our website. Applicable fees may be billed to your account.
5. You have the right to withdraw consent.
   You may withdraw your consent to receive Your Documents electronically at any time by updating your selections in the Manage Account Alerts section of our site. You may call us at the number in the Contact Us section of our website.
6. You have hardware and software that meet the following technical requirements.
   Your device must meet the minimum software requirements to receive documents, information, notices, and disclosures (Your Documents) from us electronically.

F. TERMS APPLICABLE TO MOBILE APP SERVICES

To enroll, you may download the App to your Device. If you agree to these terms, it becomes part of this Agreement. You agree to these terms by reading them and when you enroll in the Services and access the Services on your Device.

Eligibility. You acknowledge that the App may change over time and that if you wish to continue to access and receive the App, you may be required to download certain Apps and updates from time to time. Additional enrollments may be required for some Apps. You must be the authorized user of the Device that you wish to enroll and it must have the functions needed to support use of the App (e.g., it must be web-enabled). The App may not be accessible in all geographic locations and may not function with some Devices, Service Providers and mobile plans. You are solely responsible for charges imposed by your Service Provider or any third party based on the use of your Device. Not all customers are eligible for the App. You may not be able to enroll if you are not eligible or if you do not follow all enrollment instructions. You represent that the information you supplied with your enrollment is accurate. You agree to keep the information in your mobile banking profile accurate and up-to-date and you should notify us in advance if your phone number, email address or mailing address is going to change. You consent to receiving electronic communications from us through your Device and our App.

Your Responsibility Generally. You agree to use ordinary care in using the App. You agree not to share your Device or your user ID, password, passcode or other login credentials with others. You agree to protect your Device against loss, theft or unauthorized use and you agree to follow the security recommendations that we make to you from time to time. You must not leave your Device unattended while logged into the App and you must log off immediately at the completion of each session. You agree to notify us immediately if your Device is lost or stolen or if you believe the security of your user ID, password, passcode or other login credentials have been compromised. You are responsible for protecting your Device against viruses, key loggers, malware and other unwanted functionalities. You may not use your Device through an unsecured network (such as public Wi-Fi) or from a location outside the United States. You also agree to monitor the activity in your Accounts and to keep informed of any changes in terms by diligently using the App and other information we make available. You understand that we may monitor any and all communications and transactions in connection with the App. You agree to cooperate with any reviews, audits or investigations that we conduct related to your use of the App.

FAILURE TO PROTECT YOUR DEVICE, USER ID, PASSWORD, PASSCODE OR OTHER LOGIN CREDENTIALS OR FAILURE TO COMPLY WITH THESE TERMS MAY RESULT IN SOMEONE ELSE BEING ABLE TO ACCESS THE APP AND/OR YOUR ACCOUNTS IN YOUR NAME. WE WILL CONSIDER ANY ACCESS AND ANY TRANSACTION USING YOUR USER ID AND PASSWORD, PASSCODE OR OTHER LOGIN CREDENTIALS AS BEING AUTHORIZED BY YOU. YOU ASSUME, TO THE FULLEST EXTENT ALLOWED BY LAW, ALL RISK OF FRAUDULENT OR UNAUTHORIZED ACCESS AND TRANSACTIONS MADE WITH YOUR USER ID AND PASSWORD, PASSCODE OR OTHER LOGIN CREDENTIALS.

Your Responsibility for Losses. You accept responsibility for the losses we suffer in connection with providing the App to you. MORE SPECIFICALLY, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD US HARMLESS FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, LOSSES, COSTS, DAMAGES AND EXPENSES (INCLUDING REASONABLE ATTORNEY'S FEES) RELATED TO: (I) ANY THIRD PARTY CLAIMS ARISING OUT OF OUR PROVISION OF THE APP TO YOU, INCLUDING ANY RESPONSIBILITY THAT WE HAVE TO THIRD PARTIES FOR HANDLING OR BEING ASSOCIATED WITH ANY TRANSACTION YOU INITIATE OR ANY ITEM OR FILE THAT WE CREATE TO COLLECT YOUR DEPOSIT; (II) YOUR FAILURE TO FULFILL YOUR RESPONSIBILITIES OR YOUR BREACH OF ANY OF YOUR REPRESENTATIONS OR AGREEMENTS IN THESE TERMS OR ANY OTHER AGREEMENT WITH US; OR (III) YOUR ACTS, OMISSIONS, ERRORS, REQUESTS, INSTRUCTIONS, TRANSACTIONS OR DEPOSITS. YOU ARE NOT REQUIRED TO INDEMNIFY US FOR OUR WILLFUL MISCONDUCT. YOUR RESPONSIBILITY UNDER THIS PARAGRAPH SURVIVES ANY TERMINATION OF THESE SERVICES OR OUR RELATIONSHIP.

Additional App Services Terms.  If you download an App, you agree to comply with the terms and conditions applicable to that App in addition to these terms. You have no right, title, or interest in any mobile application that you download or in any intellectual property relating to the mobile application. You agree not to copy, reproduce, reverse engineer, decompile or disassemble any mobile application. You agree not to use any App except to access the App. All works of authorship, trademarks, service marks, resources, tools, services, features, business methods and processes and other information and content that you may access through the App are subject to the copyright and patent notice information and other intellectual property rights information in the Terms of Use section of this Agreement, the same as if they were accessed through our Website.

Our Liability. We will use ordinary care in providing the App. We do not guarantee that the App or access to the App will be uninterrupted or error free. We are not responsible for problems with your Device, for interruptions to or problems with your Service Provider, or for losses or errors that occur during the transmission of information to or from us. We may have liability to you imposed by statute, which cannot be waived. Except for that liability, IN NO EVENT WILL WE BE LIABLE FOR DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, REGARDLESS OF WHETHER WE WERE INFORMED OF THEIR POSSIBILITY. THE APP IS PROVIDED AS IS AND WE DISCLAIM ANY AND ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, WRITTEN OR ORAL IN RESPECT OF THE APP, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. The preceding limitations of liability apply regardless of whether any limited remedy herein fails of its essential purpose.

Mobile Remote Deposit.  The mobile remote deposit feature provides a way for you to deposit certain checks into your checking or savings account by using your Device to send us an image of the checks and other information.  A remote deposit may not be provisionally credited to your checking or savings account until the next business day if we receive it after 8:00 p.m. Central Time or on a day that is not a business day.  Funds from remote deposits will not be available immediately. Mobile Remote Deposits into new accounts (open for 60 days or less) may not be available until the fifth business day after the business day the deposit has been made. Longer delays may apply. Remote deposits are not addressed by the Funds Availability Policy that we have previously provided to you. We may nonetheless choose (but are not obligated) to treat them as subject to that policy, including the exceptions and holds referenced in that policy. In alignment with that policy, funds from the first $500 of remotely deposited checks will be available on the day we receive the deposit. Funds from remote deposits will not be made available faster than any other type of deposit. We may convert the information and images you submit in a remote deposit into a differently formatted item and may then collect that item in the manner we choose. Even though we may have sent you a confirmation or receipt, if your items are not finally paid or are returned to us for any reason, we may reverse the credit to your checking or savings account. Returned items will be available to you in a format we select.

Mobile Remote Deposit Limitations. You may not use the remote deposit feature to deposit more than ten (10) checks or more than forty thousand dollars ($40,000) on any one business day. If we allow you to exceed these limits, your remote deposit will still be subject to these terms and we will not be obligated to allow you to exceed the limits again. These limitations are subject to change at any time without advance notice. We may reject any image that you submit as a remote deposit. We may reject a remote deposit even if we have indicated to you that the image was successfully submitted. We are not responsible for the losses you may suffer because we reject an image or a remote deposit. If we reject any image that you submit as a remote deposit, you may still attempt to deposit the original paper check through other available means.

Proper Use of the Mobile Remote Deposit Feature. You agree to comply with the instructions and restrictions we provide from time to time (including the instructions provided through the App). You agree not to remote deposit any check that has been previously negotiated or:  (i) any check drawn on an Account that you own; (ii) any check drawn on a financial institution located outside the United States; (iii) any check that is damaged, illegible, altered or incomplete; (iv) any check that is marked "nonnegotiable,” that is more than six (6) months old or that is not the original of the check; (v) any US Treasury check; or (vi) any other check that we designate as ineligible. You are responsible for assuring that:

1. each check you remote deposit is properly indorsed before you make an image of it (and, after you receive a message that the check has been "successfully submitted," you must write the words "ALREADY DEPOSITED" on the front of your check);
2. each image you submit is completely legible and that it accurately represents all of the information on the front and back of the original check, including all endorsements;
3. all information you remote deposit with each check image accurately reflects the original check and the image of the check you send us;
4. no remote deposit will include any duplicate checks and no remote deposit will include any amount for a check that has already been presented to or deposited with us or any other institution;
5. no check reflected in a remote deposit with us or any image of such a check will be subsequently transferred to anyone else or presented to or deposited with another institution;
6. after you make your remote deposit, the original paper checks will be stored securely in a locked drawer, cabinet or container accessible only by you for no less than fourteen (14) days and no more than one hundred eighty (180) days and you will make those original checks available to us on request; and
7. the original checks will be completely and securely destroyed following the above time period, unless doing so would be a violation of law (original checks should not be disposed of in the garbage unless they are shredded first). You may not make or keep any other copies of the checks you remote deposit.

When you submit an item for remote deposit, you should receive a message indicating that it has been "successfully submitted."  Notify us right away if you do not receive this message. If you do not notify us within one (1) business day after submitting your item you agree not to make a later claim about that remote deposit. You agree not to use the feature in any manner or in connection with any activity that constitutes a violation of any law or that may subject us to legal action.

Your Responsibility for Mobile Remote Deposits. Each time you use the remote deposit feature, you are authorizing us to accept the relevant deposit to your Account and you are representing to us that:

1. the remote deposit is of a check payable to and endorsed by you and reflects a bona fide payment to you by the drawer of the check;
2. the check is not being deposited, directly or indirectly, for the benefit of any other person or entity;
3. you are not aware of any reason that the check will not be paid; and
4. as to each check reflected in a remote deposit:  (i) you are a person entitled to enforce the check; (ii) the check has not been altered; (iii) the check bears all endorsements applied by parties that previously handled the check in any form (if any); and (iv) no person will be charged for the check, or another paper or electronic representation of the check, such that they will be asked to make payment for a check or item that they have already paid.

For each check and the item it is converted into, you also accept the same responsibilities and liabilities that you would have had if you had deposited the original check in person. You have all these responsibilities and are subject to these terms with respect to every remote deposit that is made using your user ID and password. You agree to notify us immediately if any original checks are lost or stolen after they are deposited.

Passcode. You may change your four (4) digit code at any time. In the event that it is necessary for you to obtain a new mobile banking user ID and password, you will need to log in with your new credentials to reactivate the Passcode feature.

If you forget your Passcode you will need to log in with your user ID and password to reset your Passcode.

When creating your Passcode, you should NOT choose:

• A numeric code that represents your date of birth; or
• A series of consecutive numbers or the same numbers.

You should never record your Passcode on your Device. Refer to “Passwords; Security” in the Terms Applicable to Web and App Services section for information and requirements regarding keeping Passcodes secure.

Joint Account Holders.  Each joint Account holder must establish a separate mobile banking user ID and password.

Passcode on Multiple Devices. If you have already opted in to the Passcode feature on your Device you will be permitted to use Passcode on additional Devices. In order to register an additional Device you will be required to enter your existing online banking user ID and password.

Passcode Restrictions. You agree not to: (i) Disclose your Passcode to any other person that is not contractually bound to your Account; or (ii) allow a non-qualified person to use your Passcode for the purpose of registering another Device for Passcode.

We do not guarantee the delivery or the accuracy of any content accessed through the Passcode feature. We are not responsible for: (i) Inaccurate or incomplete content; or (ii) your dependence on or use of the information provided for any purpose; or (iii) security relating to the content delivered through Passcode.