Disclosures

Notice to Consumer Accounts

At Monona Bank, we make every effort to ensure the accuracy of our records. However, if you believe that there is an error in one of your accounts, we encourage you to contact us at your earliest convenience. Please note that there may be time limits in which we can correct errors, so please contact us at (608) 223-3000 as soon as you notice any discrepancy.

In Case of Errors or Questions About Your Electronic Transfers

If you believe your statement or receipt is incorrect, or need additional information, please contact us toll-free at (866) 672-8890 or in writing to P.O. Box 6500, Monona, WI 53716 as soon as you can. You must notify us no later than 60 days after you received the first statement on which the problem or error appeared.

Please provide us with the following information:

1. Your name and account number.
2. The error or transfer you are unsure about. Please explain as clearly as you can why you believe it is an error or need more information.
3. The dollar amount of the suspected error.

We will investigate your complaint and correct any error promptly. If our investigation takes more than 10 business days, we will credit your account for the amount you believe to be in error. You will be able to use the money during this time.

Notice to Consumer Accounts

At Monona Bank, we make every effort to ensure the accuracy of our records. However, if you believe that there is an error in one of your accounts, we encourage you to contact us at your earliest convenience. Please note that there may be time limits in which we can correct errors, so please contact us at (608) 223-3000 as soon as you notice any discrepancy.

In Case of Errors or Questions About Your Personal Line of Credit (Your Billing Rights Summary)

If you believe your statement is incorrect, or need more information about a transaction on your statement, please contact us in writing to P.O. Box 6500, Monona, WI 53716 as soon as you can.

You must notify us no later than 60 days after you received the first statement on which the problem or error appeared.

You can also contact us via telephone but doing so does not preserve your rights.

Please provide us with the following information:

1. Your name and account number.
2. The error you are unsure about. Please explain as clearly as you can why you believe it is an error or need more information.
3. The dollar amount of the suspected error.

We will investigate your complaint promptly. During this investigation time, you do not have to pay any amount in question but are still required to pay the portion of your bill which is not in question. While we investigate your questions, we will not report you as delinquent or take any action to collect the amount in question.

This Monona Bank Online E-Sign Agreement ("Agreement") contains important information about Electronic Statements, also referred to as E-Statements. You should keep a copy of this Agreement for your records.

This Agreement applies to each account you select now or in the future ("Accounts") for which electronic statements are available. The words "we", "us", and "our" mean Monona Bank and the words "you" and "your" mean you the individual(s) or entity that is identified on the Accounts as the owner or authorized signer or holder on the Accounts. As used in this Agreement, "Statement" means any periodic statement, billing notice, or other information related to your Accounts, including but not limited to information that we are required by law to provide to you in writing.

Scope of Statements Provided in Electronic Form

When you select "Online Only" with respect to your Accounts, you agree that we may provide you with any communications relating to your Accounts in electronic format, and we may discontinue sending paper communication to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transaction includes but is not limited to:

• Initial disclosures or agreements for your Accounts or associated payment features
• Periodic statements or billing notices for your Accounts
• Notices or disclosures about a change in terms of your Accounts or associated payment features
• Privacy policies or disclosures

All E-Statements we provide to you in electronic form will be accessed through your Monona Bank online banking account. We may send you a paper statement as well as the electronic version for your first statement cycle. After the first statement cycle you will receive your periodic statements only in electronic form.

All statements in either electronic or paper format from us to you will be considered "in writing". You should print or download a copy of this Agreement for your records.

In the event our system is unavailable we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Statement that you have authorized us to provide electronically.

Hardware and Software Requirements

In order to access, view, print and retain E-Statements that we make available to you, you must have

A Monona Bank online banking account

• A personal computer with connections to the internet capable of receiving, accessing, displaying, and either printing or storing statements received in electronic form from Monona Bank.
• A current version of computer operating software and internet browser
• Internet browser that supports 128 bit encryption
• A valid e-mail account
• Sufficient electronic storage capacity on your computer's hard drive

Statements are provided in PDF format. To download the most current version of "Adobe Acrobat" click here.

Monona Bank will notify you if there is a material change in hardware or software requirements that creates a risk that you will not be able to access or retain subsequent E-Statements. If you are unable to update your system you will then have the right to withdraw your consent to receive E-Statements without incurring any fees or consequences not previously disclosed.

How to Update Your Records

It is your responsibility to provide us true, accurate and complete e-mail address, contact and other information related to this Agreement and your Accounts, and to maintain and update promptly any changes in this information. You may update such information by calling us at (608) 223-3000.

Requesting Paper Copies

We will not send you paper copies of any Statement on Accounts where you have consented to receive E-Statements unless requested. You can print a paper copy of any E-Statement yourself; E-Statements will be available on line for multiple months. If you need to request a paper copy, contact us by calling (608) 223-3000. We may charge you a reasonable service charge for the delivery of paper copies of any statements you have elected to receive electronically.

How to Withdraw Your Consent

You may withdraw your consent to receive communications in electronic form for any of your Accounts at any time by using your online banking account or by calling us at (608) 223-3000.

We may impose a reasonable fee to process your withdrawal of consent to receive E-Statements. Any withdrawal of your consent will be effective after Monona Bank has had a reasonable period of time to process your withdrawal.

Termination

We reserve the right, in our sole discretion, to discontinue the provision of your E-Statement, or to terminate or change the terms and conditions by which we provide E-Statements. We will provide you with notice of any termination or change as required by law.