The Bank of Tescott's
Online Banking Agreement and Disclosure


The Bank of Tescott
Phone:  785 825-1621
Fax:  785 452-9771
website@bankoftescott.com

Welcome to The Bank of Tescott's Internet Banking Service.  This Internet Banking agreement governs your use of The Bank of Tescott's Internet Banking.  Throughout this website this agreement may be referred to as "Agreement".  The first time you access your accounts through Online Banking, you agree to be bound by the terms and conditions of this Agreement and acknowledge its receipt and your understanding of its terms.
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TABLE OF CONTENTS

  1. Scope of this Agreement
  2. Accepting this Agreement
  3. Definitions
  4. System Requirements/Equipment Maintenance
  5. Requirements for Enrolling in the Service
  6. Enrollment Process/Password Security
  7. Basic Online Banking Services/Fees
  8. Service Guaranty
  9. Electronic Disclosures
  10. Electronic Mail (E-Mail)
  11. Privacy/Disclosure of Information/Internet Security
  12. Links to other Sites
  13. Account Balances/ Transfer Limitations
  14. Reg E Disclosures:  Unauthorized Transactions and Error Resolution for Electronic Payments
  15. Damages and Warranties
  16. Service Termination, Cancellation or Suspension
  17. Indemnification
  18. Additional Remedies
  19. Governing Law, Relation to Other Agreements and Assignment
  20. Waiver
  21. Force Majeure
  22. Construction
  23. Restrictions
  24. Alerts
  25. Mobile App Terms and Conditions
  1. Scope of this Agreement

This Agreement between you and The Bank of Tescott (the bank), 104 S. Main, P.O. Box 195, Tescott, KS 67484, governs your use of our "Online Banking" (the Service).  The Service permits our customers to perform a number of banking functions on accounts linked to the Service through the use of a personal computer and the Internet.

  1. Accepting this Agreement

After you have read this Agreement in its entirety and the linked Privacy Notice, you will be asked to sign The Bank of Tescott's Online Banking Agreement and Disclosure.

  1. Definitions

Agreement – means the terms and conditions of the Online Banking Agreement which governs our online banking.

Business Customer – refers to anyone other than a consumer who owns an Eligible Account with respect to which the Service is requested primarily for business purposes.

Business Day – is every Monday through Friday, excluding Federal Reserve Bank holidays.  Account transactions are processed on all business days that the Federal Reserve is open for business.

Business Day Cut-off – refers to the cut-off time for posting purposes.  The cut-off time is based on our Business Days and the Central Standard Time (CST) Zone.  The following daily cut-off times shall apply for certain transactions to be processed on the same business day.


Type of Transaction

Cut-Off Time

Transfers to make loan payments

4:00 p.m. CST

Transfers between accounts

4:00 p.m. CST

 

 

Consumer – refers to a natural person who owns an Eligible Account with respect to which the Service is used primarily for personal, family or household purposes.

Customer – refers to any Consumer or Business Customer.

Electronic Funds Transfer (EFT) – refers to any transfer of funds initiated through the Service such as account transfers.  If we authorize your Eligible Account(s) for EFTs through the Service, you have certain rights and responsibilities under the EFT Act (Regulation E) which are further detailed in our Reg E Disclosure.

Eligible Accounts – You must have an existing account relationship with us to enable our Internet Banking Service.  Eligible Account means any one of your deposit account(s), savings account(s) to which we may allow access via the Service under this Agreement.  When using the Service, you agree to maintain one or more Eligible Account(s) with us and to keep sufficient balances in any account to cover any transaction(s) and fee(s) that are ultimately approved by or related to the Service.

Joint Accounts – If the account(s) added to the Service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Access ID and Password are authorized unless we have been notified to cancel the Service.

Service – refers to The Bank of Tescott's Online Banking services.

Service Hours – You can use the Service seven (7) days a week, 24 hours a day, although some or all features may be subject to Business Day processing times.  The Service may not be available occasionally due to emergencies or scheduled system maintenance.  In addition, access to the Service may be slower at times due to high Internet traffic or other factors beyond our control.  We are not responsible for any delays or difficulties you may have in accessing the Service or certain features.

Service Provider – includes any agent, licensor, independent contractor or subcontractor this financial institution may involve in the provision of the Online Banking service.

We, us or our – refers to The Bank of Tescott and any agent, independent contractor, service provider, licensor, designee or assignee The Bank of Tescott may involve in the provision of our Service.

You or your – refers to the owner of the eligible account and person subscribing to our Service.

Access ID – refers to User Name, ID or Access ID.

  1. System Requirements/Equipment Maintenance

Prior to enrolling in the Service and accepting the electronic version of this Agreement, you must verify that you have the required hardware and software necessary to access the Service and to be able to retain a printed copy of this Agreement for your records.  You will need the following:

Virus Protection:  The Bank of Tescott is not responsible for any electronic virus that you may encounter using the Service.  We encourage you to routinely scan your computer and diskettes using a reliable virus protection product to detect and remove viruses.  If undetected and un-repaired, a virus can corrupt and destroy your programs, files and hardware.  Additionally, you may unintentionally transmit the virus to other computers.

Firewalls:  You should also utilize a firewall (hardware and/or software) especially if you have a broadband Internet connection such as DSL or cable modem.

Patches:  You should periodically update your operating system and browser for critical security related patches.  Microsoft updates and patches can be found at www.microsoft.com.

YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS AND OPERATIONS OF YOUR COMPUTER.  THE BANK OF TESCOTT SHALL NOT BE RESPONSIBLE FOR ANY ERRORS, DELETIONS, OR FAILURES THAT OCCUR AS A RESULT OF ANY MALFUNCTION OF YOUR COMPUTER OR YOUR SOFTWARE, NOR WILL WE BE RESPONSIBLE FOR ANY COMPUTER VIRUS THAT AFFECTS YOUR COMPUTER OR SOFTWARE WHILE USING OUR SERVICE.

WITH YOUR ACCEPTANCE OF THIS AGREEMENT AND YOUR USE OF THE SERVICE, YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL COSTS, EXPENSES, OR ANY DAMAGES WHATSOEVER (INCLUDING LOST SAVINGS OR PROFIT, LOST DATA, BUSINESS INTERRUPTION, OR ATTORNEY'S FEES) RESULTING FROM ANY ERRORS OR FAILURES FROM ANY MALFUNCTION OF YOUR COMPUTER OR ANY VIRUS OR COMPUTER PROBLEMS THAT YOU MAY ENCOUNTER RELATED TO THE USE OF THIS SERVICE.

  1. Requirements for Enrolling in the Service

In order to enroll in the Service, you must:

  1. Enrollment Process/Password Security

You will need to complete the enrollment process to use this Service.  To enroll, go to: www.bankoftescott.com.  You will then set up your Access ID (ID) and Password.  The Access ID must be a minimum of 6 characters and a maximum of 18.   The password must be a minimum of 6 characters and maximum of 17, contain one number, one alpha character and one special character.  

The Bank of Tescott is entitled to act on any instructions it receives using your password.  For security purposes, it will be necessary for you to change your password every 180 days.  It is recommended that you memorize your password and do not write it down.  Your password can be changed at any time on our Online Banking site.  You are responsible for keeping your password and account data confidential.  When you give someone your password, you are authorizing them to use the Service.  You are responsible for all transactions performed using your password, even if you did not intend to authorize them.  Fraudulent transactions initiated using your password will be charged against your account(s).

  1. Basic Personal Online Banking Services/Fees

The basic Personal Online Banking service (for consumers only) currently offers the following features:

There is currently no charge for the use of the Personal Online Banking Services, however, there may be fees and/or charges associated with some of these services that you can access through Online Banking, for example: (a) there is typically a stop payment fee associated with each check; (b) check charges will apply when you reorder checks through the Service, and (c) a statement reprint request fee  will be assessed for statement requests sent via the Service.  Please refer to our fee brochure for additional information on fees and service charges that may relate to your account.

We may add or remove certain features and/or functionality from time to time.

  1. Service Guaranty (The Bank of Tescott Liability for Failure to Make Transfers or Payments)

If we do not complete a transfer or payment to or from your account on time or in the correct amount according to our Agreement with you and the instructions you transmit, we will be liable for your actual losses or damages.  However, we will not be liable:

  1. Electronic Disclosures

In the future we may deliver amendments to this Agreement and other disclosures to you in an electronic format.  Other disclosures may include:  monthly account statements, deposit account disclosures, notices regarding changes in account terms and fees, and privacy notices.

WITH YOUR ACCEPTANCE OF THIS AGREEMENT BELOW, YOU AGREE TO ACCEPT INTERNET BANKING AND RELATED DISCLOSURES IN ELECTRONIC FORMAT.  YOU ALSO AGREE THAT YOU HAVE THE NECESSARY EQUIPMENT FOR ACCESSING THE SERVICE AND FOR VIEWING, PRINTING AND SAVING ELECTRONIC DISCLOSURES.

You may change the method of delivery at any time (e.g. from electronic format to paper format) by contacting us through secure e-mail in the Service or at the phone number or address listed in this Agreement.

In addition, you can request paper copies of documents through the Service.  Additional fees for paper copies may be imposed depending on the type of account you have and/or the reason and frequency of your requests for paper copies.

You should print or save a copy of all disclosures delivered electronically.

  1. Electronic Mail (E-Mail)

Sending e-mail is a very good way to communicate with us regarding your accounts or the Service.  The Bank of Tescott requires an e-mail address as part of the enrollment process.  We must maintain your current e-mail address in order for us to deliver this information to you.

It is your sole responsibility to ensure that your contact information is current and accurate.  This includes, but is not limited to name, address, phone numbers and e-mail address.  Changes can be made either within the system through the Customer Services menu or by contacting our Internet Banking Department.  If information is updated by the system a bank employee will contact you to verify the change.  You agree to maintain and promptly update your information as applicable.  You agree not to impersonate any person or use a name that you are not authorized to use.

You cannot initiate Online Banking transactions via e-mail.  All such transactions must be initiated using the appropriate features in the Service.  Your e-mail may not be secure if it is sent through your own software.  Because of this, you should never include confidential information, such as account numbers, PINS, passwords, or balances in any e-mail communication sent to us.

  1. Privacy/Disclosure of Information/Internet Security

We are strongly committed to protecting the security and confidentiality of our customers' account information and we understand how important privacy is to our customers.

You should read our Privacy Notice posted on our web site at www.bankoftescott.com.                  

The Service utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet.  Prior to activating your access to the Service, a bank representative will verify your identity and authorization against information on file for the eligible accounts that you request to be tied to the Service.

Access ID's and Passwords:  One of the main security features protecting the Service is the unique combination of your Online Banking Access ID and a Password  Your password is encrypted in our database and neither The Bank of Tescott nor its Service Provider(s) has access to this information. 
When you accept the terms of this Agreement below, you agree to:

Encryption:  The Service uses the Secure Socket Layer (SSL) encryption technology for everything you do while using the Service.  Your browser automatically activates this technology when it attempts to connect to our Service.  As previously noted, our Service requires a browser that supports 128-bit encryption.

Certificate Authority:  The servers hosting the Service have been certified by a "Certificate Authority" to assure you that you are actually talking to our Service instead of someone pretending to be us.  If you are using an older browser, such as anything prior to versions 7.0 on Netscape Navigator or Internet Explorer, you will see that the "Certificate Authorities" key may have expired.  You will need to update it on your browser. 

Cookies:  During your use of the Service, our Service Provider will pass an encrypted cookie to your computer in order to identify your computer during the session.  This cookie enables us to process multiple transactions during the session without having to provide an Access ID and Password for each individual transaction.  User must accept this cookie to use the Service.  This cookie does not contain any personal information; it simply provides another level of security for the Internet Banking Service.  The cookie is stored on your hard drive, identifying your computer while you are logged on.  When you log off, close your browser, or shut down the computer, the cookie will be destroyed.  A new cookie is used for each session; thus no one can use the prior cookie to access your account.

Use of Public Computers:  The security of public computers (e.g. in a library or Internet Café, etc.) cannot be assured; therefore we strongly recommend that our customers refrain from accessing the Service on a public computer.

There are numerous security features in place to protect your personal information while using the Service in addition to the ones described above.  Security related notices of interest to our customers will be posted on our website or within the Service from time to time.  It is your responsibility to read all security notices.

Notwithstanding our efforts to ensure that the service is secure, The Bank of Tescott and its Service Providers cannot and do not warrant that all data transfers via the Service will be free from monitoring or access by others.

  1. Links to other Sites

The Bank of Tescott may have links to other sites.    The Bank assumes no responsibility for the content, safety, security, or privacy of any such site and makes no representations about any other web site that you may access to, from or through this site.  The bank disclaims liability for any failure of products or services advertised on these sites.  Each site may have a privacy policy that is different from ours, and may provide less security.  You should take precautions when downloading files from sites to protect your computer software and data from viruses and other destructive programs.

  1. Account Balances

Balances shown in your accounts may include deposits subject to verification by us.  The balance may also differ from your records due to deposits in progress, outstanding checks, or other withdrawals, payments or charges.  While the balances within the Service are "real time" balances, there may be situations that cause a delay in an update of your balances or processing of your requests.  The Service will use the most current balance available at the time of a transaction to base our approval for account transfers.  A transfer request must be made before the Business Day Cut-Off times discussed under Definitions to be effective the same Business Day.

  1. Reg E Disclosures:  Unauthorized Transfers and Error Resolution for Electronic Payments

The EFT Act, most commonly known as Regulation E, provides consumers with certain rights and responsibilities with respect to EFTs initiated through our Internet Banking Service.  Please read the following EFT disclosures carefully.  You should print a copy of this information for future reference.
Consumer Liability:  Tell us AT ONCE if you're Access ID and password has been compromised, lost or stolen.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account (plus your maximum overdraft line of credit).  If you tell us within 2 business days, you can lose no more than $50 if someone used your Access ID and/or password without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your Access ID and/or password, and we can prove we could have stopped someone from using your Access 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, tell us at once.  If you do not tell us within 60 days after the statement was sent 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 periods.

Please remember that when you give someone your Access ID and/or password, you are authorizing that person to use the Service and you are responsible for The Bank of Tescott transactions the person performs using the Service with your Access ID and/or password.  All transactions that a person performs including transactions that you did not intend or want performed, are authorized transactions.  If you notify us that the person is no longer authorized, then any transactions that person performs after the time you notify us are considered unauthorized.  Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

For your protection, safeguard your Access ID and password and sign off every Internet Banking session when you are finished using the Service.
A consumer has no liability for erroneous or fraudulent transfers initiated by an employee of the Bank.
Contact in the event of unauthorized transfer:  If you believe your Access ID and/or password has been obtained without your authorization or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number(s) or address(s) listed here:

The Bank of Tescott
P.O. Box 195
Tescott, Kansas 67484
785-283-4217
Lincoln Branch:
P.O. Box 249
Lincoln, Kansas 67455
785-524-4458
Salina (Santa Fe) Branch:
P.O. Box 2537
Salina, Kansas 67401
785-825-1621
Salina (S Ohio) Branch:
2040 S. Ohio
Salina, Kansas 67401
785-452-9975
Lindsborg Branch:
202 N Main
Lindsborg, Kansas 67456
785-227-8830
FAX 785-452-9771
website@bankoftescott.com

Error Resolution Notice:  In Case of Errors or Questions About Your Electronic Transfers or if you think your statement or receipt is wrong or if you need more information about a transfer listed on a statement or receipt, call or write us at the telephone number(s) or address(s) listed above as soon as you can.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
Please include the following information in your notification to us:

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 (5 days if involving a Visa transaction or 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 (5 days if involving a Visa transaction or 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.  An account is considered a new account for 30 days after the first deposit in made, if you are a new (consumer) customer.

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.

Other Problems:  If you believe an error, other than an EFT problem or unauthorized transaction has occurred, you can call us at 1-866-837-2688

  1. Damages and Warranties

In addition to the terms previously disclosed, we are not responsible for any losses, errors, injuries, expenses, claims attorney's fees, interest or other damages, whether direct, indirect, special, punitive, incidental or consequential, (collectively, "Losses") caused by the Service or use of the Service or in any way arising out of the installation, use or maintenance of your personal computer hardware or software, including any software provided by us or one of our service providers.  In addition, The Bank of Tescott disclaims any responsibility for any electronic virus (es) you may encounter after installation of such software or use of the Service.  Without limiting the foregoing, neither the Bank nor our Service Providers shall be liable for any: (i) failure to perform or any losses arising out of an event or condition beyond their reasonable control, including but not limited to communications breakdown or interruption, acts of God or labor disputes; or (ii) the loss, confidentiality or security of any data while in transit via the Internet, communication lines, postal system or ACH network.  The Bank of Tescott and our Service Providers provide the Service from their own sites and they make no representation or warranty that the information, material or functions included in the Service are appropriate for use by you in your jurisdiction.  If you choose to use the Service, you do so on your own initiative and are solely responsible for compliance with applicable local laws and regulations.  Neither The Bank of Tescott nor its Service Providers warrant the adequacy, accuracy or completeness of any information provided as a part of the Service or contained in any third party sites linked to or from our web site.  THE BANK OF TESCOTT MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF THE ONLINE BANKING OR ANY SOFTWARE THAT MAY BE USED IN CONNECTION WITH THE SAME.  THE BANK OF TESCOTT DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES OF MERCANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR ERROR-FREE OPERATION.

  1. Service Termination, Cancellation or Suspension

In the event you wish to cancel the Service, you may contact our Internet Banking Department by calling 1-866-837-2688, by sending an e-mail through the Service, or in writing at the address(s) above.

We may terminate or suspend Service to you at any time.  Neither termination nor suspension shall affect your liability or obligations under this Agreement.  Access to the Service may be canceled without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us.  If your account(s) is closed or restricted for any reason, we may automatically terminate access to the Service.

After termination or suspension of the Service, we may consider reinstatement once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits.  In order to request reinstatement of services, you must contact your local branch.  For terminations, reinstatement will involve completing the enrollment process again.

  1. Indemnification

The Customer shall indemnify, defend and hold harmless The Bank of Tescott and its officers, employees, directors and Service Providers in their individual capacities or otherwise, from and against any Losses arising out of (i) Customer's negligence, (ii) Customer's failure to comply with applicable law, or (iii) Customer's failure to comply with the terms of this Agreement.

  1. Additional Remedies

Due to the likelihood of irreparable injury, the Bank shall be entitled to an injunction prohibiting any breach of this Agreement by the Customer.

  1. Governing Law, Relation to Other Agreements and Assignment

Accounts and Services provided by The Bank of Tescott may also be governed by separate agreements with you.  This Agreement supplements any other agreement(s) or disclosures related to your account(s) and provided to you separately.

This Agreement shall be governed by and construed in accordance with the laws of the State of Kansas without regard to its conflicts of laws and provisions.

You may not assign this Agreement to any other party.  We may assign or delegate this agreement, in part or whole, to any third party.

  1. Waiver

The Bank shall not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of its rights under this Agreement.  No waiver by the Bank of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of this Agreement.

  1. Force Majeure 

Neither party shall be liable for any loss or damage due to causes beyond its control, including fire, explosion, lightning, pest damage, power surges or failures, strikes or labor disputes, water, acts of God, the elements, war, civil disturbances, acts of civil or military authorities or the public enemy, inability to secure raw materials, transportation failures, fuel or energy shortages, acts or omissions of communications carriers, or other causes beyond that party's control.  Either party may terminate this Agreement immediately on written notice if the other party is prevented from performing its obligations under this Agreement for a period of more than thirty (30) days due to the reasons set forth in this subsection.

  1. Construction

This Agreement shall be construed equally against the parties regardless of who is more responsible for its preparation.  If there is a conflict between a part of the Agreement and any present or future law, the part of this Agreement that is affected shall be curtailed only to the extent necessary to bring it within the requirements of that law.

  1. Restrictions

You may not appropriate any information or material that violates any copyright, trademark or other proprietary or intellectual property rights of any person or entity while using the Service.   You may not gain, or attempt to gain, access to any Service server, network or data not specifically permitted to you by us or our service providers and you must not include any obscene, libelous, scandalous or defamatory content in any communications with us or our service providers.

  1. Alerts

Your enrollment in The Bank of Tescott's Online Banking and/or Mobile Banking (the "Service") includes enrollment to receive notifications ("Alerts").  Alerts are electronic notices from us that contain transactional information as well as login/password changes/email changes regarding your Bank of Tescott account(s).  Alerts are available in the following categories:

Alerts must be managed and or added online through the Service.  You cannot maintain all Alerts through your mobile device, as we may add or cancel Alerts from time to time.  We will usually notify you when we cancel Alerts, but are not obligated to do so.  The Bank of Tescott reserves the right to terminate its Alert service at any time without prior notice to you.

Methods of Delivery:  We may provide Alerts through one or more channels ("Endpoints")- (a) a mobile device, by text message, (b) a mobile device by push notification (c) an email account via email message or (d) your Bank of Tescott online banking inbox Secure Mail message area. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (d) above supports the email, push notification and text message Alerts provided through the Service.  Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences.  You agree to provide us with a valid mobile phone number or email address so that we may send you Alerts. If your email address or mobile phone number changes, you are responsible for informing us of that change.  Your alerts will be updated to reflect the changes communicated to us.

Alerts via Text Message: To stop Alerts via text message, text "STOP" to 31727. To restore Alerts on your mobile phone, just visit the Alerts tab in The Bank of Tescott Online Banking and click the box next to your mobile number for the Alert you want to receive again.  For Help with SMS text alerts, text "HELP" to 31727. In case of questions, please contact customer support at 785-825-1621.  Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations:  The Bank of Tescott provides Alerts as a convenience to you for informational purposes only.  An Alert does not constitute a bank record for the account(s) to which it pertains.  We strive to provide alerts in a timely manner with accurate information, however you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) outside of our control.  Such factors could be service with your phone provider, internet service provider.  We neither guarantee the delivery, nor the accuracy of the contents of each alert.  You agree to not hold The Bank of Tescott, its directors, officers, employees, agents and service providers liable for losses or damages, including attorney fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery , or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use the information provided in an Alert for any purpose.

Alert Information: Alert information sent via SMS, email and push notifications are not encrypted; we will never include your login id or full account number.  You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts and anyone with access to your Alerts will be able to view the contents of these messages.

  1. Mobile App Terms and Conditions

Standard Terms and Conditions Terms and Conditions: The Bank of Tescott Thank you for using The Bank of Tescott Mobile Banking combined with your handheld's text messaging capabilities. Message & Data rates may apply. For help, text "HELP" to 31727. To cancel, text "STOP" to 31727 at any time. In case of questions please contact customer service at 866-837-2688 or visit www.bankoftescott.com. The Bank of Tescott Privacy Policy Terms and Conditions: Program: The Bank of Tescott offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be on-going. Message & Data rates may -apply. Customers will be allowed to opt out of this program at any time. Questions: You can contact us 866-837-2688 or send a text message with the word "HELP" to this number: 31727. We can answer any questions you have about the program. To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to this number: 31727. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages. Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS .Mobile Banking and any software you may obtain from Mobile Banking ("Software") may not be available at any time for any reason outside of the reasonable control of The Bank of Tescott or any service provider. Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, The Bank of Tescott and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively "User Information"). The Bank of Tescott and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. The Bank of Tescott and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content. Restrictions on Use. You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, "spam," and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party's intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by The Bank of Tescott (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of The Bank of Tescott or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor),tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content),crime-related (e.g., organized crime, notorious characters), violence-related(e.g., violent games), death-related (e.g., funeral homes, mortuaries),hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancel bots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose The Bank of Tescott or any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii)any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party's account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d)otherwise abuse Mobile Banking or the Software. Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legalnotices_maps.html, or other URLs as may be updated by Google. Touch ID™ for Mobile Banking. Touch ID is an optional fingerprint sign-in method for The Bank of Tescott Mobile Banking that is currently available for most Apple® devices that have a fingerprint scanner. To use Touch ID, you will need to save your fingerprint by going to "Settings > Touch ID & Passcode" on your Apple device to complete the setup (for more help with fingerprint scanning, contact Apple support at apple.com/support). Fingerprints are stored on your device only and The Bank of Tescott never sees or stores your fingerprint information. You acknowledge that by enabling Touch ID, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within The Bank of Tescott Mobile Banking. The Bank of Tescott reserves the right to suspend or disable this feature at any time. Touch ID can only be associated with one Mobile Banking username at a time on a device. If your device doesn't recognize your fingerprint, you can sign in using your password. To use Touch ID for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable Touch ID anytime from the Services menu within The Bank of Tescott Mobile Banking. Apple and Touch ID are trademarks of Apple Inc. Currently, fingerprint sign-in for The Bank of Tescott Mobile Banking is only available on compatible iOS devices. Card Controls Additional Terms. The following supplemental Terms of Use ("Supplement") applies to the card controls feature ("Card Controls") within the Mobile Banking mobile application ("Mobile Banking App"), notwithstanding anything in the Agreement to the contrary. The Supplement only applies to Card Controls. If Card Controls are not available to you, then this Supplement does not apply. To the extent there is any conflict between the terms of the Agreement and this Supplement with respect to Card Controls, then the terms in this Supplement shall apply.

1. The Card Controls feature is only available for debit cards issued by The Bank of Tescott that you register within the Mobile Banking App.

2.  The Card Controls alerts and controls you set through use of the Mobile Banking App may continue to apply, even if you delete the Mobile Banking App or remove it from your mobile device. Please contact The Bank of Tescott to discontinue the alerts and controls.

3. Certain Card Control functionality within the Mobile Banking App may not be available for all transactions. Controls and alerts based on the location of the mobile device where the Mobile Banking App is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the actual location of the merchant differs from the merchant's registered address.

4. Card Controls may enable access to The Bank of Tescott and third parties' services and web sites, including GPS locator websites, such as Google's. Use of such services may require Internet access and that you accept additional terms and conditions applicable thereto.

5. To the extent this Mobile Banking App allows you to access third party services, The Bank of Tescott, and those third parties, as applicable, reserve the right to change, suspend, remove, or disable access to any of those services at any time without notice. In no event will we be liable for the removal of or disabling of access to any such services. We may also impose limits on the use of or access to certain services, in any case and without notice or liability.

6. THE MOBILE BANKING APP, THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE MOBILE BANKING APP OR THE SERVICES MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU TO THE EXTENT THEY ARE PROHIBITED BY STATE LAW.

7. Limitation of Liability. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE MOBILE BANKING APP AND THE SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE MOBILE BANKING APP, OR THE SERVICES, OR THE WEBSITES THROUGH WHICH THE MOBILE BANKING APP OR THE SERVICE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO THE MOBILE BANKING APP, THE SERVICES OR THE WEBSITE THROUGH WHICH THE APP OR THE SERVICES IS OFFERED, THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

8. Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State in which you reside, without regard to its conflicts of law's provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. The Bank of Tescott Alerts Terms and Conditions The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Alerts. Your enrollment in The Bank of Tescott Online Banking and/or Mobile Banking (the "Service") includes enrollment to receive transaction alerts and notifications ("Alerts"). Alerts are electronic notices from us that contain transactional information about your Bank of Tescott account(s). Alerts are provided within the following categories:

• Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.

• Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.

• Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the More menu within The Bank of Tescott Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time or cancel old Alerts. We usually notify you when we cancel Alerts but are not obligated to do so. The Bank of Tescott reserves the right to terminate its Alerts service at any time without prior notice to you. Methods of Delivery. We may provide Alerts through one or more channels ("EndPoints"): (a) a mobile device, by text message; (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Bank of Tescott Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us regarding your primary and secondary email addresses or mobile device number. Alerts via Text Message. To stop Alerts via text message, text "STOP" to 31727 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in The Bank of Tescott Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again. For help with SMS text alerts, text "HELP" to 31727. In case of questions please contact customer service at 866-837-2688. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. Limitations. The Bank of Tescott provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside The Bank of Tescott's control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold The Bank of Tescott, its directors, officers, employees, agents and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose. Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

http://www.bankoftescott.com/privacy-statement-1/ Privacy and User Information – Data Analytics. You acknowledge that in connection with your use of Mobile Banking, The Bank of Tescott and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive data about your usage of the service (such as session length, number of transactions and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software. The Bank of Tescott and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking, perform analytics to improve the service, and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you.

Jan 2020