Disclosure

eBanking and eBusiness Online Banking Agreement

This Internet Banking Agreement for personal and business account customers is between Lakeview Bank and you, states the terms and conditions that govern your use of Lakeview Bank’s eBanking and eBusiness Online Banking Services for accessing your Eligible Accounts, and other financial services as described herein. The terms and conditions of this Agreement are in addition to other terms and conditions that may apply to any Account or Online Banking Service covered by this Agreement. Also included are the regulatory requirements for Electronic Funds Transfers as they pertain to these eBanking and eBusiness Online Banking Services; these supersede any other regulatory requirements you may have received solely, however, in connection with Electronic Fund Transfers over the Internet through our Web Site (www.lakeview-bank.com). You agree to all of the terms and conditions of this Agreement, and any instructional material that we provide you regarding the Services, and agree to be bound by them as well as such other terms and conditions as shall be imposed from time to time by Lakeview Bank on notice to you.

Services Provided

Lakeview Bank will provide Online Banking Customers with access to Lakeview Bank's "eBanking and/or eBusiness Online Banking System". Said systems will provide Customer's account(s) activity information and may enable Customer to place stop payments and/or transfer funds between accounts at the Bank. Transfers of funds from Accounts are subject to the restrictions contained in the applicable Account Agreement and/or Application. All transfer requests are subject to having an Available Balance sufficient to complete the requested transaction. You agree that by requesting the transfer capability within the Online Banking Service, you authorize us to carry out your transfer instructions, withdraw the necessary funds and applicable fees (including charges and penalties) under this Agreement and any Account Agreement, without requiring your signature on the item and without any notice to you. In addition, according to Federal regulations, you are limited to six preauthorized withdrawals or automatic Electronic Fund Transfers (including telephone or data transmission) per statement cycle from a Savings or Money Market Savings account. Each fund transfer through the Online Banking Service from your savings or money market savings account is counted as one of the six limited transfers you are permitted each periodic statement cycle. However, payments to your loan accounts with us are not counted toward this limit. We may reject your Electronic Fund Transfer request if you exceed this limitation. We may refuse to process any transaction because of inaccurate or incomplete information or if you lack an Available Balance sufficient to complete the requested transaction.Without your signature, you authorize us to access your Overdraft Line of Credit (if you have one), and charge applicable fees (including charges and penalties) under this Agreement and any Account Agreement, when you lack a sufficient Available Balance in your account to complete the requested transaction. You agree that we may either access your Overdraft Line of Credit or refuse to complete the requested transfer, in either event, you are responsible for any fees (including charges and penalties) under this Agreement and any Account Agreement we may impose.

General Information

Customer shall be solely responsible for establishing user password and maintaining the confidentiality of said password. If Customer has any reason to believe that the password has or will become known to unauthorized person(s), the Customer shall immediately notify Lakeview Bank. In order to protect against possible unauthorized use or access to the system, Lakeview Bank may, at its option, temporarily deny all access or use of the system and Lakeview Bank will thereafter replace the passwords in accordance with Lakeview Bank’s security policy. Customer shall be solely responsible and liable by reason of any unauthorized access to Customer's account or any funds transferred prior to the receipt of notice from Customer to Bank. Lakeview Bank's responsibility to take appropriate action to protect Customer's accounts shall include a reasonable period of time to permit the Bank adequate opportunity to take necessary action to prevent unauthorized access. Lakeview Bank reserves the right to modify or change security procedures and codes from time to time and shall provide written notice of same to Customer prior to implementing such procedures or codes. Customer hereby represents, warrants, and agrees that all information obtained by or coming into the possession of Customer in connection with any of the services provided herein, including but not limited to the software, user guides, security procedures, and passwords, will be maintained as confidential and shall not be divulged, transferred, sold or made available to any other person or entity.Customer is solely responsible for the establishment or maintenance of appropriate procedures or policies which are reasonably designed to assure the absolute confidentiality of Lakeview Bank's security procedures and codes. Lakeview Bank hereby agrees that Customer account information will remain confidential and protected from unauthorized access provided, however, that it shall be presumed that Lakeview Bank has satisfied the foregoing obligations by Lakeview Bank’s adherence to its duly adopted security procedures and policies. The Customer shall compensate Lakeview Bank for Online Banking Services as shall be mutually agreed upon between the parties from time to time as per the Bank's Service Charge Schedule (which may be amended upon notice). Lakeview Bank obligations hereunder may be temporarily suspended by reason of computer or data processing computer failure or other condition beyond Bank's control for which Lakeview Bank shall have no liability whatsoever to Customer. Lakeview Bank reserves the right to transfer, assign or delegate all of its obligations to perform services hereunder to an appropriate third party limited to situations or conditions where computer or data processing equipment is inoperable or malfunctioning or other conditions beyond the Bank's control which make it temporarily or permanently impossible for Lakeview Bank to perform the services hereunder. Lakeview Bank's obligation to provide access to Customer's account(s) and to process Customer's transactions and instructions are expressly conditioned upon Customer's compliance with all of the terms and conditions contained herein. Lakeview Bank will be under no obligation to process, either in whole or in part any transaction or instruction that:

Exceeds Customer's available funds on deposit;
Is not consistent with the terms and conditions mutually agreed upon by the Customer and Bank;
Lakeview Bank has reason to believe that said transaction or instructions have not been authorized by the Customer;
Involves funds subject to restraints, levy or legal process preventing withdrawal or transfer; would violate any provisions of any present or future "risk control program" of the Federal Reserve System or any current or future law or regulation;
Is inconsistent with any requirement set forth in this agreement or is contrary to Bank policy, procedure or practice as duly adopted by the Bank or is required by Federal or State laws, rules or regulations;
Lakeview Bank deems it necessary and reasonably believes that it is necessary for the protection of Bank or the customer's interest.

In the event that a Customer has obtained an appropriate authorization from a Related Entity Customer of the Bank and further provided that said Customer has submitted the original authorization on forms provided by the Bank together with any other supporting documentation that the Bank, in its discretion, may require, the Bank agrees that it will permit Customer Banking access to said Related Entity accounts. Customer hereby agrees to indemnify and hold harmless Lakeview Bank, its assigns, its subsidiaries, its trustees or officers from and against any damage, loss of liability of any kind, including, without limitation, reasonable attorney's fees, costs and disbursements which result directly or indirectly in whole or in part from the services provided under this agreement except when such loss, damage or claim shall arise from or be caused by the gross negligence of Lakeview Bank. In no event shall Lakeview Bank be liable for any loss which is a result of any encoding, key punching, date or other instruction furnished by Customer which shall be inaccurate or incorrect. This agreement shall continue in effect until or unless terminated by either party upon thirty days written notice to the other. Lakeview Bank, however, reserves the right, without prior notice or at any time to immediately terminate this agreement if Lakeview Bank shall reasonably believe that loss or damage to either the Customer or the Bank may result from continued performance under this agreement. This agreement shall be governed by and be construed under the laws of the State of Minnesota. This agreement represents the contract between the parties hereto and supersedes any prior agreement or representation, whether written or oral, relating to the services and may not be modified, extended or changed in any manner except in writing signed by the parties hereto. This agreement shall be accompanied by Customer's Application for Online Banking Services and shall also include, if applicable, "Automated Banking Related Entity Authorization Agreements. Such application shall designate the Customer account(s) to be maintained subject to this agreement. Additions, deletions and changes are to be submitted via a new application form, in person, or verbally if the Customer identify can be confirmed by means of the Customer codeword established with Lakeview Bank. The Customer agrees to provide all necessary documents, applications and/or resolutions to duly authorize the services provided by this agreement.

E-mail and Online Messages

You agree to check your Messages every time you log on to Online Banking Services. No action will be taken on any of your email messages until we actually receive it and have a reasonable opportunity to act. If you need immediate assistance (for instance, to report an unauthorized transaction from an account) or your message is sensitive to you and confidential and you prefer not to use this email function, do not use any email system-you must instead call our Online Banking Department at the number provided or contact us in person. Unless otherwise provided in this Agreement, email messages do not serve as a substitute for any requirement imposed on you to provide us with “written” notice.

Canceling or Changing Transfers

To stop recurring transfers you must edit the transfer you wish to change before the Business Day Cut-off of the processing date. Up to that time, you may change or delete a transfer.

eBanking/eBusiness Online Banking Disclosure Consumer Liability

Tell us AT ONCE if you believe your security code or password has been 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 believe your code has been lost or stolen, and you tell us within two (2)-business days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your code without your permission. If you do NOT tell us within two (2)-business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60)-days after the statement was mailed to you, you may not get back any money you lost after sixty (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 kept you from telling us (such as a long trip or a hospital stay), we will extend the time periods on a case by case basis.

Contact in Event of Unauthorized Transfer

If you believe your security code or password has been lost or stolen or that someone has transferred or may transfer funds from your account without your permission, call: 952.892.9700. Or write to:

LAKEVIEW BANK
9725 163rd Street West
Lakeville, MN 55044
Attn: Online Banking Department

Business Days

Account transfers and payments processed before 6:00 p.m. CST, Monday — Friday, excluding holidays, will be posted to your account on the day of the transaction. Transfers of payments after 6:00 p.m. CST will be posted to your account on the next business day.

Fees

There are no monthly or transaction fees for the account information services and transfer service; we may, however, establish a schedule of service charges and fees for any transaction under this agreement at any time. Other fees, charges and penalties as described in an applicable Account Agreement may apply to the Online Banking Services under this Agreement and will continue to apply; changes to those are governed by the specific Account Agreement and applicable law. You agree to keep sufficient Available Balance in any one of the Accounts to cover any transaction and any applicable fees (which include charges and penalties) under this Agreement and any Account Agreement. You agree to promptly pay all fees (charges and penalties) under this Agreement and any Account Agreement applicable to the transactions under this Agreement and you authorize the deduction of these from any of your Accounts without requiring your signature and without prior notice to you. You are responsible for other fees, charges and penalties you may incur by using these Online Banking Services as, for example, telephone charges and ISP charges. We reserve the right, in our business judgment, to waive, reduce or reverse a fee under this Agreement and any Account Agreement in individual situations. If we must initiate any legal action to collect money owed us under this Agreement, including any counterclaim, you agree to pay all costs incurred by us (as allowed by applicable law) for such action, including any reasonable attorney’s fees. Disclosure of Account

Information to Third Parties; we will disclose information to third parties about your account or the transfers you make:

Where it is necessary for completing transfers; or
In order to verify the existence and condition of your account for a third party, such as credit bureau or merchant; or
In order to comply with government agency or court order; or
If you give us written permission; or
Where otherwise permitted by law.

Bill Payment Service - Retail Customers

Our Online Bill Payment Service is offered to bank approved retail customers for a monthly fee of $5.50 for 10 payments and $.40 for each additional payment. This fee will be assessed and charged directly to your checking account. The fee may vary, depending on the particular account(s) maintained at the bank by the customer. We recommend you select a payment date for electronic payments at least three (3)-business days before the payee’s payment due date to ensure the payment is received on time. For payments being made by check, you should establish the payment date at least ten (10)-business days prior to the payment due date. Saturdays, Sundays and holidays are not considered business days. Payments requested after 2:00 p.m. CST will be initiated on the next business day. Failure to provide for adequate processing time may result in a late payment.

Bill Payment Service - Business Customers

Our Online Bill Payment Service is offered to bank approved business customers for the low monthly fee of $5.50 for 10 payments and $.40 for each additional payment. This fee will be assessed and charged directly to your checking account or may be assessed as a soft charge for customer accounts that are maintained on a monthly account analysis basis. The fee may vary, depending on the particular account(s) maintained at the bank by the customer. We recommend you select a payment date for electronic payments at least three (3)-business days before the payee’s payment due date to ensure the payment is received on time. For payments being made by check, you should establish the payment date at least ten (10)-business days prior to the payment due date. Saturdays, Sundays and holidays are not considered business days. Payments requested after 2:00 p.m. CST will be initiated on the next business day. Failure to provide for adequate processing time may result in a late payment.

Other Services – Business Customers

Our eBusiness service offers additional services to our commercial customers, including ACH and wire transfer origination. These services are offered on a case-by-case basis as determined by the bank and reviewed on a periodic basis, and may be governed by other Agreements specific to the specific service. eBusiness customers are provided one administrator user profile at the time of being set up on the system. It is the responsibility of the company to maintain the administrator profile, as well as other users of the service(s), and to maintain all access authorities/limitations as is commensurate with company policy. Lakeview Bank shall bear no responsibility for modifications made to either the original administrator user profile or other users added or removed subsequent to the initial set up of the company by the bank, or for actions or transactions initiated by any such users.

Cancellation / Termination

We may at any time cancel your access to any or all of the Banking Services without prior notice if there has been no Online Banking for a period of three (3) consecutive months, if there is an insufficient Available Balance in any one of your Accounts to cover requested transactions and fees (including charges and penalties) under this Agreement and any Account Agreement, or for any other reason. After cancellation due to insufficient Available Balance, the canceled service may be reinstated once a sufficient Available balance is available in your Account(s) to cover any fees (including charges and penalties) under this Agreement and any Account Agreement and pending transfers or debits. For reinstatement, call the Internet Banking Department at 952.892.9700 to request reinstatement. Lakeview Bank may also at any time and without prior notice to you cancel this Agreement. If this Agreement is cancelled, your right to use the Online Banking Services shall immediately cease. You may cancel this Agreement at any time by giving at least five (5)-business days prior written notice of termination to the address provided. If you cancel this Agreement or terminate a transfer Service, you authorize us to continue making transfers, and other transactions you have previously authorized until we have a reasonable opportunity to act upon your termination notice, unless you have previously stopped or canceled the transaction in accordance with this Agreement. No matter when we acted on your notice, once we have acted we have no responsibility to make transfers or other transactions you may have previously authorized that may still be pending. Prior to cancellation or termination, you will remain responsible for all transfers, or other transactions processed and for any associated fees (including charges and penalties) under this Agreement and any Account Agreements.

Documentation

Pre-authorized 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, the person or company making the deposit may not tell you every time they send us the money. You can call us at 952.892.9715 to find out whether or not the deposit has been made.
Periodic statements. You will receive a monthly statement displaying all of your account activity.

Pre-Authorized 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's how: Call us or write us at the telephone number or address listed in this disclosure, 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 will require you to put your request in writing and provide it to us within 14-days after you call. (Stop payment fee is per Service Charge Schedule, which may be amended upon notice.)
Liability for failure to stop payment of pre-authorized 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. 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:
a. If, through no fault of ours, you do not have enough money in your account to make the transfer.
b. If the transfer would go over the credit limit on your overdraft line;
c. If the system was not working properly and you knew about the problem when you started the transfer.
d. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
e. There may be other exceptions stated in our agreement with you.

Error Resolution Notice

In case of errors or questions about your Electronic Transfers, call or write us at the telephone number or address listed below, 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.

Tell us your name and account number.
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you need more information.
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 (5-business 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-business 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 is made, if you are a new 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.

Change in Terms

Should we change our Terms or Conditions affecting your Electronic Transfers, and if the change would result in increased fees or charges, increased liability, fewer types of available electronic fund transfers, or stricter limitations, we will notify you by mail at least 21-days prior to those changes. Notice need not be given where an immediate change in Terms or Conditions is necessary to maintain, or restore the security of an electronic funds transfer system or account. If such a change is to be made permanent, we shall provide written notice to you within 30-days, unless disclosure would jeopardize the security of the system or account.