Personal Enrollment Form Agreement

Personal Agreement Text

Please read the following agreement and click the "I Agree" button at the end, if you agree to all of the information contained within



This Online Banking Services Agreement (“Online Banking Agreement”) explains the terms and conditions governing the Online Banking Services
offered through Benton State Bank. You should read this Online Banking Agreement and the related information provided by the Bank prior to
using Online Banking. By using the Online Banking Services you agree to abide by the terms and conditions of this Online Banking Agreement.
The terms “we,” “us,” “our,” and “Bank” refer to Benton State Bank Bank. The words “you”, “your”, and “yours” mean each deposit account
owner, authorized deposit account signer, and anyone authorized to act on behalf of a deposit account owner. You agree that the Bank may
provide any notices required by law or by this Agreement in electronic form.


You can access your Benton State Bank accounts through Online Banking. Each of your accounts at the Bank is also governed by your
“Deposit Account Agreement and Disclosure”, Funds Availability Act Disclosure, Electronic Funds Transfer Act Disclosure and related
account agreements.


To access your personal and/or business accounts through Online Banking, you must have an eligible Bank account (listed below), a User
ID, and an online banking password. Benton State Bank Bank accounts accessible through Online Banking include:

*Regular Checking *Hometown Advantage Checking *Money Market Accounts*Savings Accounts *18 Candles Saving Accounts *Christmas Club
*NOW and Super NOW Checking *Certificate of Deposits *Business and Consumer Loans


There are no monthly fees for accessing your account(s) through Online Banking. Certain fees may apply to services ordered online.



Sending E-mail through Online Banking is a way to communicate with the bank. Online Banking has provided E-mail capabilities for you to ask
questions about your account(s) or to provide us comments on your banking service. This E-mail capability is accessible after you sign on
with your password to a secure session with Online Banking. Despite our best efforts, messages sent by E-mail may not be secure, may be
intercepted by third parties and may not be immediately received by the appropriate department of Benton State Bank. Please do not use
E-mail to send us communications which contain confidential information, which we require in writing or which need our immediate attention.
An Internet record that an E-mail has been “sent” or “received” is not verification that the E-mail has been received by Benton State Bank.
You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within
Online Banking or call the Benton State Bank Customer Service at (608) 759-3600.


The Bank may, from time to time, introduce new Online Banking services. We shall update this Online Banking Services Agreement to notify you
of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.


The first time you, or someone authorized by you on your behalf, access your bank accounts through Online Banking the system confirms your
agreement to be bound by all the terms and conditions of this Online Banking Agreement and acknowledges your receipt and understanding
of this disclosure.

IV. In Case of Errors or Questions About Your Transactions

Call us at: 608-759-3600
or write to:
Benton State Bank
42 W Main St
PO Box 27
Benton WI 53803

or use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a
transaction listed on the statement or receipt. You must contact the bank no later than 60 days after the bank sent you the first statement
on which the problem or error appears. You must be prepared to provide the following information:

Your name and account number.

A. description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you
need more information.

The dollar amount of the suspected error.

If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from
you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new
accounts and foreign initiated transfer(s) to investigate your complaint or questions. If we decide to do this, we will credit your account
within ten (10) business days (twenty business (20) days for new accounts) for the amount which you think is in error, so that you will have
the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and
we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all
electronic fund transfers that occur within the first thirty (30) calendar days after the first deposit to the account is made, including
those for foreign initiated transactions.

We will tell you the results within three (3) 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.

B. We will not be responsable for errors in your account caused by programing.

V. Liability for Failure to Complete Transaction,

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 as provided by law. However, there are some exceptions. We will NOT be liable, for instance:

If through no fault of ours, you do not have enough money in your account to make the transfer.

If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.

If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of
communications facilities) prevent the transfer, despite reasonable precautions we have taken.

If we have terminated our Agreement with you.

If we receive inaccurate or incomplete information needed to complete a transaction.

In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle
the transfer.

If the funds in the account are subject to legal action preventing a transfer to or from your account.

There may be other exceptions provided by applicable law.

VI. Disclosures Regarding Electronic "Wholesale Credit" Transactions
Subject to Uniform Commercial Code Article 4A
Provisional Payment:
Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for
such entry through Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are
entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry
(i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.

A. Notice of Receipt of Entry:
Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your
account, 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 continue
to notify you of the receipt of payment in the periodic statement we provide to you.

B. Choice of Law:
We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses ("ACH")
and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be
construed in accordance with and governed by the laws of the state of Wisconsin, unless it has otherwise specified in a separate
agreement that the law of some other state shall govern.

C. Disclosure of Account Information

We will disclose information to third parties about your account or electronic fund transfers made to your account:

Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or

In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or

In order to comply with government agency or court orders; or

With your consent.

D. Definition of Business Day
Business days are Monday through Thursday 8 AM until 4 PM and Friday 8 AM until 6 PM, excluding holidays.

VII.Limitations on Transactions

A. Check Cashing Fees- Benton State Bank/Shullsburg Community Bank and Tennyson/Potosi Community Bank reserves the right to charge a
$15.00 check cashing fee for non-customers.

B. Cash Out Limitation - Benton State Bank/Shullsburg Community Bank and Tennyson/Potosi Community Bank reserves the right to limit cash
out for payment of any draft to $5,000. Any remaining balance may be paid through an official check or bank draft.

C. The Benton State Bank/Shullsburg Community Bank and Tennyson/Potosi Community Bank reserves the right to close any deposit
account at our discretion.

VIII. Limits on Transfers from Certain Accounts.

Federal regulation limits the number of telephonic transfers and preauthorized electronic transfers to third parties (including
Point of Sale transactions) from money market and savings type accounts. You are limited to six such transfers from each money market
and/or savings type account(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone.

IX. Your Responsibility to Notify Us of Loss or Theft

A. Consumer Liability For Preauthorized Transfers
If your statement shows transfers you did not make, tell us at once. If you fail to telephone us or write us within sixty (60) days of
receiving your periodic statement or other receipt of an electronic fund transfer which appears to be unauthorized, you will be liable
for the lesser of $50.00 or the amount of the unauthorized electronic fund transfer that appears on the periodic statement or receipt or
that occurs during the sixty (60) day period. If you do not tell us within sixty (60) days after the periodic statement or receipt was
mailed to you, you may not receive back any of the money you lost after the sixty (60) days, and therefore, you could lose all the money
in your account (plus your maximum overdraft line of credit), if we can prove that we could have stopped someone from taking the money
had you given us notice in time.

X. Charges for Transfers or The Right to Make Transfers

A. Please see our schedule of fees and charges for any charges that may be incurred by you for usage of our automatic teller machines,
telephone banking system, or from usage of your debit cards.

B. Disclosure of Account Information. We will disclose information to third parties about your account or electronic fund transfers
made to your account:
1. Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
3. In order to comply with government agency or court orders; or
4. With your consent.

XI. Customer Privacy Policy Disclosure

A. Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank and our affiliated parent company, BSB Community
Bancorporation Inc., continue to recognize and respect your personal privacy. Confidentiality is a key part of providing quality financial
services. Our organization continues its commitment to upholding high standards of privacy for your protection and benefit. Whether you are
an existing customer or are considering a relationship with us, we want you to know how we collect, use and retain information about you
and your business relationship with us. Summarized below is our customer privacy program.

B. Recognition of Customer Privacy Expectations:
Our financial institution respects that our customers expect and deserve privacy. Information that has been entrusted to us will be held
in the strictest confidence. We maintain high standards to ensure that the information is used only for appropriate business reasons in
accordance with applicable laws and regulations.

C. Collection, Use and Retention of Customer Information:
We collect, use and retain customer information from a variety of sources for the purpose of administering our business or to provide
products, services or other opportunities for our customers. Customer information is obtained directly from the customer, is collected when
recording customer activity and related transactions, or is requested with your permission from outside sources (such as employment
verifications, credit reports, etc.). This information is used to evaluate and manage our risks; to protect and administer your accounts,
records and funds; to comply with applicable laws and regulations; to develop and enhance our portfolio of products and services and
other valid business purposes.

D. Information Accuracy:
Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank and our affiliate company continually strive to maintain complete
and accurate information about you and your accounts. If you ever believe that our information is inaccurate or incomplete, please notify us
immediately. We will review your concerns and correct any inaccuracies. Under the Fair Credit Reporting Act, you have the right to notify us
if you believe we have reported inaccurate information about your account to any Consumer Reporting Agency. Please submit your request for
correction in writing and include your full name, current address, social security number, account number, telephone number, and the
information you believe is inaccurate. Please inform us of the reason you believe the information is incorrect and we will research and
correct information appropriately. Send your note to:

Benton State Bank
42 W Main Street
PO Box 27
Benton WI 53803

E. Employee Access to Customer Information:
Benton State Bank/Shullsburg Community Bank Tennyson/Potosi Community Bank and our affiliate maintain security levels and related procedures
to assist in the prevention of unauthorized access to confidential information within our organization. Secured access is delegated upon a
"need to know" basis commensurate with each employee's responsibilities. Our employees are instructed in the importance of confidentiality
and are provided with written privacy guidelines. Appropriate disciplinary action will be taken to enforce our privacy standards.

F. Maintaining Customer Privacy with Third Party Business Partners:
It is necessary upon occasion to provide personally identifiable information about our customers to a party outside of our organization.
Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank and our affiliate are highly selective in choosing vendors and
service companies that assist us in servicing our customers. These relationships are maintained solely to perform services on our behalf
including, but not limited to, customer statement rendering, items processing, electronic data processing services, or other services required
to support our products and services. These business partners agree to safeguard our confidential customer information and they must abide
by applicable law.

G. Internet and Electronic Privacy:
With the rapid expansion of technological capability in our industry and in our institution, Benton State Bank/Shullsburg Community Bank/
Tennyson/Potosi Community Bank is committed to maintaining and expanding effective systems to facilitate the convenient delivery of services,
regardless of the methods of delivery. We value our customers and recognize the importance of your trust and confidence in us. Information
gathered via the internet, when established, or other electronic means will be used only for appropriate purposes such as evaluation of our
web pages' effectiveness, designing new products or services for the benefit of our customers or estimating system capacity needed to
conveniently service our customers.

H. Restricted Disclosure of Information:
Responsible use of information benefits our customers by protecting your privacy and by enabling us to offer you improved products and
services based on your needs. It is our policy to prohibit the sale of customer information to parties outside of our corporate family.
Benton State Bank/Shullsburg Community Bank/Tennyson/Potosi Community Bank and our affiliate does not reveal specific information about your
accounts or other personally identifiable data to external parties unless:

• You request disclosure of the information
• The information is necessary to complete a transaction or perform a service at your request;
• The information is provided to a reputable credit bureau or similar information reporting agency; or
• The disclosure is otherwise lawfully permitted or required.

I. We are permitted to share information about your transaction and account experience with our affiliate through a central information
system, and also with companies that perform marketing services on our behalf, and with whom we have joint marketing agreements. This assists
us in improving the type and selection of services available to you. We are also permitted by law to share other customer information with
our branches. Shullsburg Community Bank and Tennyson/Potosi Community Bank are branches of the Benton State Bank.

We do not disclose nonpublic personal information about former customers, except as permitted by law.

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