• View account balances and review transaction history.
• Transfer money between accounts at Wadena State Bank. (As noted in the Account Agreement). The account vesting must be the same for each account.
• Pay bills to any merchant, institution or individual.
• Communicate directly with Wadena State Bank through e-mail.

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III.  Terms & Conditions
The first time you access your Bank accounts through Wadena State Bank> Online you agree to be bound by all the terms and conditions of this Agreement and you acknowledge receipt and understanding of this Disclosure.

A. Your Online Password
You will be given an Online Password that will give you access to your Bank accounts for Wadena State Bank Online access. This password can be changed through Wadena State Bank Online. We recommend that you change your password regularly. We are entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential.

B. Payment Account
You may be asked to designate a payment account for selected services such as bill pay. You agree to pay promptly all fees and charges for services provided under this Agreement, and authorize us to charge the account that you have designated as the payment account or any other account for the fees.

If you close the payment account, you must notify Wadena State Bank and identify a new payment account for the selected services. Additionally, if you close all Wadena State Bank accounts, you must notify us to cancel the Wadena State Bank Online services.

You agree to be responsible for any telephone charges incurred by accessing your Wadena State Bank accounts through Wadena State Bank Online.

C. Our Liability
Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Wadena State Bank, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), OR by Internet access providers OR by online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Services, or Internet browser or access software.

D. Hours of Accessibility You can access your Bank accounts through Wadena State Bank Online seven days a week, 24 hours a day. However, at certain times, some or all of Wadena State Bank Online may not be available due to system maintenance. During these times, you may use our 24-Hour Telephone Banking service (218/631-1800), a Wadena State Bank ATM, or contact us at 218/631-1860 to conduct your transactions.

A transfer initiated through Wadena State Bank Online before 3:00 PM (Central Time) on a business day is posted to your account the same day. All transfers completed after 3:00 PM (Central Time) on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day.

Our business days are Monday through Friday, except for banking holidays. "Banking Holidays" shall mean all Federal banking holidays.

E. Additional Terms and Conditions
Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts that are enrolled in Wadena State Bank Online. Account balance and transaction history reflects activity through the close of the previous business day.

Transferring Funds - The number of transfers from a savings account is limited as described in the applicable Account Agreement. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Canceling Online Services - Your online access may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, Wadena State Bank Online services may be reinstated, once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call Wadena State Bank Customer Service at (218) 631-1860.

If you wish to cancel any of the Wadena State Bank Online services offered through Wadena State Bank Online, please contact our Customer Service Department at (218) 631-1860 or send us cancellation instructions in writing To: Wadena State Bank, P.O. Box 191, Wadena, MN 56482.

Inactive Online Services - If you do not access your Bank accounts through Wadena State Bank Online for any (1) one year period, Wadena State Bank reserves the right to disconnect your service without notice. Please note that your bill payment information will be lost if you are disconnected.

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IV. Bill Pay Service
A. Using the Service The Wadena State Bank Online Bill Pay Service allows you to schedule bill payments. You can schedule, at your option, for the payment of your current, future, and recurring bills from the checking account you designated on your Setup form. There is no limit to the number of payments that may be authorized. You may pay any merchant or individual through the use of Wadena State Bank Online. We are unable to process any payment of taxes or court-directed payments through Wadena State Bank Online Bill Pay services.

By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide us through Wadena State Bank Online. When we receive a payment instruction (for the current or a future date), we will remit funds to the payee on your behalf, from the funds in your selected checking account, on the day you have instructed them to be sent ("Payment Date"). However, we shall not be obligated to make any such payment unless your account has sufficient funds or credit availability to pay the bill on the Payment Date. Funds for ALL bill payments (whether these payments are made electronically or by check) will be withdrawn from your account within two business days of the scheduled payment date.

Your bill payment is sent on the Payment Date you selected and in some instances beyond our control (such as delayed mail delivery, slow responding companies or financial institutions), a bill payment may actually be received by the payee & presented after its actual due date.

For this reason, it is recommended that all bill payments be scheduled at least (5) five business days before the actual due date, not the late date.

If you properly follow the procedures described herein, and Wadena State Bank Online fails to deliver a payment on the scheduled payment date, we will pay any late fees or finance charges as long as your account was in good standing with the merchant prior to this incident. In any other event, including, but not limited to, choosing a payment date less than (5) five days prior to the actual due date, the risk of incurring and the responsibility for paying any and all charges or penalties shall be borne by you.

Wadena State Bank Online will use its best efforts to process all your payments properly. However, Wadena State Bank Online shall incur no liability if it is unable to complete any payments initiated by you through Wadena State Bank Online Bill Pay services because of the existence of any one or more of the following circumstances:

1. Your account does not contain sufficient funds to complete the transaction.
2. The Wadena State Bank Online processing center is not working properly and you know or have been advised by the service about the malfunction before you execute the transaction.
3. You have not provided Wadena State Bank Online with the correct names or account information for those persons or entities to whom you wish to direct payment.
4. Circumstances beyond the Wadena State Bank Online's control such as, but not limited to, fire, flood, or interference from an outside force that would prevent the proper execution of the transaction. Wadena State Bank Online has taken reasonable precautions to avoid those circumstances.

Wadena State Bank reserves the right to terminate your use of Wadena State Bank Online bill payment service in whole or part, at any time without prior notice.

If, for any reason, you should ever wish to cancel Wadena State Bank Online bill payment services, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using Wadena State Bank Online or calling Wadena State Bank's Customer Service at (218) 631-1860. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.

B. Bill Pay Service Fees
The monthly fee for Wadena State Bank Bank Online Bill Pay services is $5.95 per statement cycle, for unlimited access. The first three months of this service is free. This fee covers bill payments to anyone you wish to pay in the U.S. These fees cover service for the previous month and are effective after the three month trial period. Fees will be charged to your payment account, whether or not bill payments are made out of that account, or any other account linked to Wadena State Bank Online Bill Pay services.

Additionally, you agree to pay any special charges in effect as announced by the Bank from time to time. These charges are in addition to the fees and service charges specified in your applicable checking, savings, overdraft protection account agreements (for example, uncollected or overdraft charges on your checking account).

If the payment account has insufficient funds to cover fees, the Bank will deduct the fee from any other account you have with the Bank (in any order we may choose). If the fee cannot be paid, we may cancel your bill pay service. After cancellation, your bill pay service may be reinstated by contacting Wadena State Bank Customer Service once sufficient funds are available in your payment account to cover the bill payment fees and any other pending transfers or debits.

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V. General Terms
A. Changes to Charges, Fees or Other Terms We reserve the right to change the charges, fees or other terms described in this Online Access Agreement. When changes are made to any fees, charges, or other material terms we will update this Online Access Agreement and either send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. The Account Agreement governs changes to fees applicable to specific accounts.

B. Overdrafts: Order of Payments, Transfers, Other Withdrawals
If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, preauthorized transactions, Wadena State Bank Online transfers and bill payments, etc.) that you have requested for a given business day, then:

1. Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and
2. The electronic funds transfers initiated through Wadena State Bank Online may result in an overdraft of your account and may, at Wadena State Bank's discretion, be canceled. In addition, you will be charged the same overdraft charges that apply to your account.

C. Disclosure of Account Information You understand that in addition to information furnished pursuant to legal process, some information about your accounts may automatically be disclosed to others.

1. To comply with government agency or court orders;
2. To verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
3. Where it is necessary for completing transfers:
4. To provide services relating to your account or to offer other products and services; or
5. If you give us permission.

D. Questions or Error Correction on Wadena State Bank Online and Bill Pay Services
In case of questions or errors about Wadena State Bank Bank Online funds transfers through Wadena State Bank Online involving your account, please notify us in one of the following methods:

• Contact Wadena State Bank by electronic mail (E-mail) @ wsb@wcta.net
• Fax Wadena State Bank at (218) 631-2319
• Telephone Wadena State Bank at (218) 631-1860

Write Wadena State Bank at PO Box 191, Wadena, MN 56482 as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record. We must hear from you no later than sixty (60) days after we have sent the first paper statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.

• Tell us your name and account number.
• Describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information.
• Tell us the dollar amount of the suspected error.
• For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question

• If, through no fault of ours, you do not have enough money in your account to make a transfer.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• A legal order directs us to prohibit withdrawals from the account.
• If your account is closed or if it has been frozen.
• If you, or anyone you allow, commits any fraud or violates any law or regulation.
• If you have not provided us with complete and correct payment information, including without limitation the name, address, account number, and payment amount for the payee on a bill payment.
• If you have not properly followed the instructions for using Wadena State Bank Online
• If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.

Bill Pay      
After the three (3) month trial period the fee is:
$5.95 per statement cycle, unlimited access

Stop Payments      
$0.00 - $100.00 - $10.00 each
$101.00 & Over - $15.00 each

Wire Transfer      
Outgoing - $15.00      
Incoming - Free

In addition, your account is subject to the fees and charges stated in the Account Agreement and Bank Service Fees.