Your Deposit Account

• TERMS AND CONDITIONS

• ELECTRONIC TRANSFERS

• FUNDS AVAILABILITY

ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

Indicated below are the types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and bank information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to:

• Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).

• Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).

• Electronic check conversion. You may provide your check to a merchant of service provider who will scan the check for the encoded bank and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check by other means such as by mail or drop box.

• Electronic returned check charge. Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.
Phone Bank Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day, seven days a week, at (920) 232-2265 using your personal identification number and touch tone phone, to:

• transfer funds from checking to checking

• transfer funds from checking to savings

• transfer funds from savings to checking

• transfer funds from savings to savings

• make payments from checking to loan accounts with us

• make payments from savings to loan accounts with us

• get information about:

  • the account balance of checking accounts

  • the account balance of savings accounts

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.
ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your West Pointe Check Card and personal identification number, to:

• make deposits to checking account(s)

• make deposits to savings account(s)

• get cash withdrawals from checking account(s)

  • you may withdraw no more than $200.00 per card, per day

• get cash withdrawals from savings account(s)

  • you may withdraw no more than $200.00 per card, per day

• transfer funds from savings to checking account(s)

  • you may transfer no more than $200.00 per card, per day

• transfer funds from checking to savings account(s)

  • you may transfer no more than $200.00 per card, per day

• make payments from checking account(s)

• get information about:

  • the account balance of your checking account(s)

  • the account balance of your savings account(s)

Some of these services may not be available at all terminals.
Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.
Types of West Pointe Check Debit Card Transactions - You may access your checking or money market account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).
Debit Card Transactions - dollar limitations - Using your debit card:

• you may not exceed $500.00 in transactions per card, per day

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.
Chargebacks. For any point-of-sale transaction of $50.00 or more, if we receive written or oral notice from you within three banking business days of the transaction, we shall reverse the transaction and recredit your account. Notice must be provided to us at the address or telephone number appearing in this disclosure.
Currency Conversion. If you effect a transaction with your West Pointe Check Debit Card in a currency other than US Dollars, MasterCard International Incorporated will convert the charge into conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently, the conversion rate used by MasterCard International to determine the transaction amount in US dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.
Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

• Transfers from a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, debit card, or similar order to third parties.

• Transfers from a money market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, debit card, or similar order to third parties.

FEES

• We do not charge for direct deposits to any type of account.

• We charge $2.00 per card, per month, if your account is set up to use ATMs.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.
ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

• Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.

• Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (920) 232-2260 to find out whether or not the deposit has been made.

• Periodic statements.
     You will get a monthly account statement from us for your checking accounts.
      You will get a monthly account statement from us for your savings account, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS

• Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
     Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
      We will charge you $15.00 for each stop-payment order you give.

• Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only from the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. 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. However, there are some exceptions. We will not be liable, for instance:

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

2. If you have an overdraft line and the transfer would go over the credit limit.

3. If the automated teller machine where you are making the transfer does not have enough cash.

4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

6. There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

1. where it is necessary for completing transfers; 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. as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

   (a) Consumer liability.

• Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You can lose no more than $50 if you fail to give us notice of a lost or stolen card and/or code, you will be liable for the lesser of:

  1. $50 or

  2. the amount of any money, property, or services obtained by unauthorized use of the card and/or code before you gave us notice.

       Also, if your statement shows transfers 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 stopped someone from taking the money if you had told us in time.
        If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

• Additional Limits on Liability for West Pointe Check Debit Card, when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your West Pointe Check Debit Card, when used for point-of-sale transactions, if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limitation on liability does not apply to PIN-based transactions not processed by MasterCard.

   (b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

ERROR RESOLUTION NOTICE

   In Case of Errors or Questions About your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).

2. 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.

3. 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 business days (20 business days if the transfer involved a new account) 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 (20 business days if the transfer involved a new account) 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
    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.

WEST POINTE BANK
1750 WITZEL AVENUE, P.O. BOX 2266
OSHKOSH, WISCONSIN  54903
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (920) 232-2260
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

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YOUR ABILITY TO WITHDRAW FUNDS

   This policy statement applies to all deposit accounts.
    Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.
    Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
    For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
    If you make a deposit at an ATM before 6:00 P.M. on a business day that we are open, we will consider that to be the day of your deposit. However, if you make a deposit at an ATM after 6:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
    If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
    If we accept for a deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

LONGER DELAYS MAY APPLY

   In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, may be available on the first business day.
    If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If you deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.
    If you will need the funds from a deposit right away, you should ask us when the funds will be available.
    In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
    We believe a check you deposit will not be paid.
    You deposit checks totaling more than $5,000 on any one day.
    You redeposit a check that has been returned unpaid.
    You have overdrawn your account repeatedly in the last six months.
    There is an emergency, such as failure of computer or communications equipment.
    We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

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