This Agreement states the terms and conditions that apply when you use “COMMMUNITY” Financial Bank’s – Online Banking Service -. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You can obtain copies of any disclosures pertaining to any-or-all of your Community Financial Bank accounts by calling (715)-428-2801 –or- (715) 687-9000. Our Staff will be happy to assist you. As a Bank “Customer”, You must also follow all of our instructions and procedures applicable to the services offered by the Bank & covered by this agreement.

The terms “you” and “your” mean each person who establishes a “COMMUNITY” Financial Bank Online Customer Account with us, or who uses or is authorized to use a “COMMUNITY” Financial Bank Online Banking Account with an “Assigned” User ID and Password or other means of access we establish or approve upon your request. “Online Banking” means our service that allows you to make payments (if authorized and qualified), transfer funds, access accounts, obtain information and perform other transactions over the “Internet” by use of a personal computer and modem and/or other means we authorize or allow. Since the Bank does not offer “Bill Pay” at this time you may only make payments internally on your own Loan Accounts by “Internal” transfer of funds. The Bank may Add “BILL PAY” at a later date at our sole discretion and option. You will be Notified of any such change in a timely manner.

Should conflicting terms arise between the Community Financial Bank Online disclosures and the original product or account disclosures, the “Original” Account Disclosure will take precedence.

Qualifications

To qualify for Online Banking you must:

-Be an “Established” customer, or be in the process of “opening” an Account, of “COMMUNITY” Financial Bank with all accounts in good standing.

User I.D. And Password

To access the Bank’s Online Banking Service for the first time, you will need your “Established” Account Number(s), Or Apply to Establish an Account with “COMMUNITY” Financial Bank. Upon “REQUEST BY THE CUSTOMER”, the Bank will issue the customer a “NetTeller I.D.” for the “First Time” Access to NetTeller and a Temporary “Password” You can use to then access the Community Financial Bank’s Online Service via our Web Site:

www.communityfinancialbank.net

Click on the On-Line Banking Icon. There you will be asked to change to your own NETTELLER I.D. and NETTELLER Password. NET TELLER User IDs have a maximum of Twelve(12) characters using both Alpha & Numeric characters. User IDs are NOT case sensitive. NETTELLER Passwords must have a minimum of four(4) characters and a maximum of eight(8) characters using both Alpha & Numeric characters. Your password should contain at least one (1) alpha and one (1) numeric character for Better & Safer security. Passwords are NOT case sensitive. Passwords can only be changed once in a twenty-four hour period. For your security, you will be prompted to change your password every 90 days. You may not re-use passwords. Anyone, to whom you give your Community Financial Bank Online User ID and Password, or other means of access, will have full access to your accounts even if you attempt to limit that person’s authority. By Sharing your User ID and Password, you Assume “Full” Liability of USE.

Online Banking Transactions

You, or someone you have authorized access by giving them your Online User I.D. and Password, or other means of access (even if that person exceeds your authority), can instruct us to perform the following transactions:

-Make transfers between your “qualifying” Community Financial Bank accounts to the extent authorized on the Accounts being used.

-Transfer between your Community Bank “Authorized” deposit accounts.

-Transfer to a Community Bank loan account/authorizing payment Amount.

-Authorize electronic funds transfers.

-Obtain information that we make available on your “qualifying” accounts.

-View Account Activity (Checking, Savings & C.D. Deposits, Loans, etc.).

-View stop payment list.

-Obtain other services or perform other transactions that we authorize.

CAUTION: By Sharing your User ID and Password, You Assume “Full” Liability of USE.

Transaction Limitations of “COMMUNITY” Financial Bank Online Banking

You must have enough “Collected Funds”, or credit, in any account from which you instruct us to make a payment or transfer. You may not designate any account that requires more than one signature for withdrawals as an account for use for payments or debits. If any of your qualifying accounts are Money Market Savings Accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than SIX (6) in any specified period. The specified period for money market accounts is the “monthly” statement period. The kinds of withdrawals covered by this limitation are those made by means of pre-authorized or automatic transfers and payments or telephone agreement (However, payments to your loan accounts (internal transfers) with us are not counted toward the limits for savings and money market deposit accounts.) You also agree to the “Terms & Conditions of Your Deposit Account” that you received when you opened your deposit account. You can request another account disclosure at the time you fill out your Online Banking application.

There is a Bank Designated dollar limit of $9,999.99 (or the “available” balance in the designated account) on which any payment is drawn.

Our Liability For Failure To Complete Payments Or Transfers

If we do not complete a payment or transfer on time or in the correct amount or a stop payment according to our agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will NOT be liable, for instance:

-Through no fault of ours, the account has “insufficient funds”, has been closed, or is not in good standing at the time of the “request”.

-We reverse a payment or transfer because the account had “insufficient funds” to cover the request.

-The payment or transfer would exceed the any credit limit of the account.

-You have not given us complete, correct or current account numbers or other information required to complete the payment, credit, transfer, or other transaction.

–Your equipment was not working properly when you attempted to conduct the transaction and therefore the bank did not receive it.

–Our equipment was not working properly when you attempted to conduct the transaction and it should have been apparent to you at the time.

-You do not properly follow our instructions, fail to provide accurate information, or fail to promptly inform us of any inaccurate information about which you became aware.

-You do not request a stop payment within the time period set forth in this agreement and/or the payment is completed prior to the notice.

-The account balance is subject to legal process or other claims that restrict the payment, transfer, or other transaction from being completed.

-Circumstances beyond our control prevent, delay, intercept, alter or otherwise adversely affect the payment, credit, transfer, or other transaction including exemptions allowed by law for banking.

Business Days

The Community Financial Bank’s Online Banking service is generally available 24/7 (-24 hours a day/ –7 days a week). However, we only process transactions and update information on defined Business Days. Our business days are Monday through Friday. External transfers made after 6:00 P.M. will be processed on the next business day. Federal holidays, even though the bank may be open, are not included due to the Federal Reserve Processing System closure. Federal holidays not included as business days are: New Year’s Day, Martin Luther King Day, Presidents Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day when they occur on a Monday through Friday Day.

Statements

Your Community Financial Bank Online Banking transfers and activity will be indicated on the monthly or quarterly statements we provide, or make accessible to you, by Online Banking. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.

Your Liability

You agree to the terms of this account and the schedule of charges that may be imposed. You authorize us to deduct these charges as accrued directly from the account balance. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your Online Banking Identification Number, User I.D., and Password, or other means of access, and want to terminate that person’s authority, you must change your User ID and Password, or other means of access, or take additional steps to prevent further access by such person. Please note that your “prior” authorization precedes our ability to act. You have “Intentionally” Shared your rights.

CAUTION: By Sharing your User ID and Password, You Assume “Full” Liability of USE.

“Unauthorized” Transactions -Or Loss- -Or Theft- Of Your Online Banking User I.D. and/or Password –(SECURITY PROTECTION)

(a) Consumer Liability. (1). Notify us AT ONCE if you believe your User ID and/or Password has been stolen or that an unauthorized transfer has occurred or may occur. Notifying us by telephone is the best way of minimizing your exposure to losses. It is possible to lose all of the money in your account. Call Immediately: (715) 428-2801 –or- (715) 687-9000.

If you notify us within TWO (2) business days after learning of the loss or theft of your User ID and/or password, you can lose no more than $50 if someone used your User ID and/or Password without your authorization or permission.

If you DO NOT notify us within TWO (2) business days after you learn of the loss or theft of your User ID and/or password, and if we can prove we could have stopped someone from using your User ID and/or password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, notify us AT ONCE. If you do not notify us within 60 days after the statement was mailed to you at your last known address, you may be liable for the entire amount transferred after the 60 days if we could have taken action to reduce your loss with timely notice.

If you delay in notifying us because of extenuating circumstances, we will allow an extension of time for a reasonable period at the bank’s discretion.

(2). Contact us in the event of any unauthorized transfers. Telephone us AT ONCE at

715-428-2801 –or- 715-687-9000 if you believe your User ID and/or Password has been stolen or that an unauthorized transfer has occurred or may occur. While calling us at 715-428-2801 –or- 715-687-9000 is the best way to notify us, you may also notify us by mail at 450 Center St., Prentice WI. 54556. If you notify us in writing, include your name, address, telephone number and a brief description of your problem.

Error Resolution

In case of errors or questions about your transactions and electronic transfers, call or write us at the telephone number or address listed in this agreement, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

– Tell us your Name and Account Number involved (as best you can).

– 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.

– Tell us the dollar amount of the suspected error.

– If you tell us orally, we “will” require that you send us your complaint or question in writing Dated & Signed by You within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign-initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) 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. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Fees

There is no fee to access your account information on Community Financial Bank’s Online Banking System. Please contact “COMMUNITY” Financial Bank for the current fee schedule for costs associated with each of our programs.

Security

All transactions occur on a secure server which is “linked” to our Data Processor

== ( https://www.netteller.com/communityfinancialbank ) ==, which uses numerous firewalls and encryption programs. At no time will you be requested to pass your account numbers over the Internet. A user will automatically be logged out of the online connection after 20 minutes of inactivity. A user will automatically be locked out after Three“unsuccessful” password attempts. No money can be transferred out of your Community Financial Bank Online account unless you, or someone you have authorized by giving them your Online User ID and Password or other means of access (even if that person exceeds your authority), have initiated the transaction.

CAUTION: By Sharing your User ID and Password, You Assume “Full” Liability of USE.

PC Requirements

Your computer will need the following to use “Community” Financial Bank’s Online Banking thru our bank’s Website:www.communityfinancialbank.net .

The customer is required to use a secure browser incorporating secure socket layer (SSL) to establish a connection to the login screen. Presently, the system requires 128-bit encryption. The Bank reserves the right to change this requirement at any time to maintain the security of our Online Banking System.

Scheduled System Maintenance

The scheduled maintenance window for the Bank’s Online Banking is on Sundays from 2:00 AM until 6:00 AM CST. During maintenance windows, portions of “COMMUNITY” Financial Bank’s Online could be unavailable for use for short periods of time on occasion. Multiple “sign-on” attempts may be needed before being connected to use the NetTeller Online Banking System.

Security Procedures

By accessing the OnLine Services, you hereby acknowledge that you will be entering a “Protected” Site owned by the Bank & It’s OnLine Provider which may be used only for authorized purposes. The Bank may monitor and audit usage of the Service, and all persons are hereby notified that the use of the Service constitutes consent to such monitoring and auditing. “Un-Authorized” attempts to up-load information and/or change information on these Web Sites are strictly prohibited and are subject to prosecution under state and federal law to the FULLEST EXTENT Available.

Waiver of Jury Trial

 

BANK & CUSTOMER WAIVE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF THIS AGREEMENT.

 

PLEASE READ THIS AGREEMENT CAREFULLY AND PRINT A COPY FOR YOUR

FILES & RECORDS.

Initialization of a “COMMUNITY” Financial Bank Net Teller Online Account will be considered your acceptance of the Terms of this Agreement.

Rev 9/09