Common use of Additional Provisions Applicable Only to Consumer and Sole Proprietorship Accounts Clause in Contracts

Additional Provisions Applicable Only to Consumer and Sole Proprietorship Accounts. A. In Case of Errors or Questions About Your Electronic Transactions In case of an error or question about your electronic transactions, send us a secure Internet mail message or call us at 000-000-0000. You may also write us at: Glenwood State Bank P.O. Box 197 Glenwood, MN 56334 Contact us immediately if you think: • Your statement or transaction record is wrong • You need more information about a transaction listed on your statement • An unauthorized person has discovered your Online Banking Password • Someone has transferred or may transfer money from your account without your permission • Bill Pay transactions have been made without your authorization We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a Bill Pay from an account maintained at another financial institution). If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) ban k business days (Online Banking customers may use secure Internet mail). When you contact us, please provide the following information: • Your name and account number • The date and dollar amount of the transaction in question • The name of the payee if the transaction in question is a payment • The transaction number assigned by Online Banking, if available • A description of the transaction about which you are unsure Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation within 10 bank business days (5 bank business days for debit card point-of- sale transactions and 20 bank business days if the transfer involved a new account) after we hear from you, and we will promptly c orrect any error we have made. If we need more time, however, we may take up to 45 bank business days (90 bank business days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days (5 bank business days for debit card point-of-sale transactions and 20 bank business days if the transfer involved a new account) for the amount you think is in error, so that you 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 your letter in 10 bank business days, we reserve the right not to provisionally credit your account. If we conclude there was no error, we will send you a written explanation within three (3) bank business days after we complete our investigation. You may request copies of the documents that we used in our investigation.

Additional Provisions Applicable Only to Consumer and Sole Proprietorship Accounts. A. In Case of Errors or Questions About Your Electronic Transactions In case of an error or question about your electronic transactions, send us a secure Internet mail message or call us at 000-000-0000. You may also write us at: Glenwood State Bank P.O. Box 197 Glenwood, MN 56334 Contact us immediately if you think: • Your statement or transaction record is wrong • You need more information about a transaction listed on your statement • An unauthorized person has discovered your Online Banking Password • Someone has transferred or may transfer money from your account without your permission • Bill Pay transactions have been made without your authorization We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a Bill Pay from an account maintained at another financial institution). If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) ban k business days (Online Banking customers may use secure Internet mail). When you contact us, please provide the following foll owing information: • Your name and account number • The date and dollar amount of the transaction in question • The name of the payee if the transaction in question is a payment • The transaction number assigned by Online Banking, if available • A description of the transaction about which you are unsure Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation within 10 bank business days (5 bank business days for debit Mastercard®-branded card point-of- sale transactions and 20 bank business days if the transfer involved a new account) after we hear from you, and we will promptly c orrect correct any error we have made. If we need more time, however, we may take up to 45 bank business days (90 bank business days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days (5 bank business days for debit Mastercard®- branded card point-of-sale transactions and 20 bank business days if the transfer involved a new account) for the amount you think is in error, so that you 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 your letter in 10 bank business days, we reserve the right not to provisionally pro visionally credit your account. If we conclude there was no error, we will send you a written explanation within three (3) bank business days after we complete our investigation. You may request copies of the documents that we used in our investigation.

Additional Provisions Applicable Only to Consumer and Sole Proprietorship Accounts. A. In Case of Errors or Questions About Your Electronic Transactions In case of an error or question about your electronic transactions, send us a secure Internet mail message or call us at 000-000-0000. You may also write us at: Glenwood Xxxxx State Bank P.O. Box 197 Glenwood123 Lowry, MN 56334 56349 Contact us immediately if you think: • Your statement or transaction record is wrong • You need more information about a transaction listed on your statement • An unauthorized person has discovered your Online Banking Password • Someone has transferred or may transfer money from your account without your permission • Bill Pay transactions have been made without your authorization We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a Bill Pay from an account maintained at another financial institution). If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) ban k business days (Online Banking customers may use secure Internet mail). When you contact us, please provide the following foll owing information: • Your name and account number • The date and dollar amount of the transaction in question • The name of the payee if the transaction in question is a payment • The transaction number assigned by Online Banking, if available • A description of the transaction about which you are unsure Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation within 10 bank business days (5 bank business days for debit Mastercard®-branded card point-of- sale transactions and 20 bank business days if the transfer involved a new account) after we hear from you, and we will promptly c orrect correct any error we have made. If we need more time, however, we may take up to 45 bank business days (90 bank business days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days (5 bank business days for debit Mastercard®- branded card point-of-sale transactions and 20 bank business days if the transfer involved a new account) for the amount you think is in error, so that you 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 your letter in 10 bank business days, we reserve the right not to provisionally pro visionally credit your account. If we conclude there was no error, we will send you a written explanation within three (3) bank business days after we complete our investigation. You may request copies of the documents that we used in our investigation.

Additional Provisions Applicable Only to Consumer and Sole Proprietorship Accounts. A. In Case of Errors or Questions About Your Electronic Transactions In case of an error or question about your electronic transactions, send us a secure Internet mail message or call us at 000-000-0000. You may also write us at: Glenwood Xxxxx State Bank P.O. Box 197 Glenwood123 Lowry, MN 56334 56349 Contact us immediately if you think: • Your statement or transaction record is wrong • You need more information about a transaction listed on your statement • An unauthorized person has discovered your Online Banking Password • Someone has transferred or may transfer money from your account without your permission • Bill Pay transactions have been made without your authorization We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a Bill Pay from an account maintained at another financial institution). If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) ban k bank business days (Online Banking customers may use secure Internet mail). When you contact us, please provide the following information: • Your name and account number • The date and dollar amount of the transaction in question • The name of the payee if the transaction in question is a payment • The transaction number assigned by Online Banking, if available • A description of the transaction about which you are unsure Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation within 10 bank business days (5 bank business days for debit Mastercard®-branded card point-of- sale transactions and 20 bank business days if the transfer involved a new account) after we hear from you, and we will promptly c orrect correct any error we have made. If we need more time, however, we may take up to 45 bank business days (90 bank business busi ness days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days (5 bank business days for debit Mastercard®- branded card point-of-sale transactions and 20 bank business days if the transfer involved a new account) for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put p ut your complaint or question in writing, and we do not receive your letter in 10 bank business days, we reserve the right not to provisionally credit your account. If we conclude there was no error, we will send you a written explanation within three (3) bank business days after we complete comple te our investigation. You may request copies of the documents that we used in our investigation.

Additional Provisions Applicable Only to Consumer and Sole Proprietorship Accounts. A. In Case of Errors or Questions About Your Electronic Transactions In case of an error or question about your electronic transactions, send us a secure Internet mail message or call us at 000-000-0000. You may also write us at: Glenwood State Bank P.O. Box 197 Glenwood, MN 56334 Contact us immediately if you think: • Your statement or transaction record is wrong • You need more information about a transaction listed on your statement • An unauthorized person has discovered your Online Banking Password • Someone has transferred or may transfer money from your account without your permission • Bill Pay transactions have been made without your authorization We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a Bill Pay from an account maintained at another financial institution). If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) ban k business days (Online Banking customers may use secure Internet mail). When you contact us, please provide the following informationinformat ion: • Your name and account number • The date and dollar amount of the transaction in question • The name of the payee if the transaction in question is a payment • The transaction number assigned by Online Banking, if available • A description of the transaction about which you are unsure Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation within 10 bank business days (5 bank business days for debit Mastercard®-branded card point-of- sale transactions and 20 bank business days if the transfer involved a new account) after we hear from you, and we will promptly c orrect correct any error we have made. If we need more time, however, we may take up to 45 bank business days (90 bank ba nk business days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days (5 bank business days for debit Mastercard®- branded card point-of-sale transactions and 20 bank business days if the transfer involved a new account) for the amount you think is in error, so that you 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 your letter in 10 bank business days, we reserve the right not to provisionally pro visionally credit your account. If we conclude there was no error, we will send you a written explanation within three (3) bank business days after we complete our investigation. You may request copies of the documents that we used in our investigation.

Additional Provisions Applicable Only to Consumer and Sole Proprietorship Accounts. A. In Case of Errors or Questions About Your Electronic Transactions In case of an error or question about your electronic transactions, send us a secure Internet mail message or call us at 000-000-0000. You may also write us at: Glenwood State Bank P.O. Box 197 Glenwood, MN 56334 Contact us immediately if you think: • Your statement or transaction record is wrong • You need more information about a transaction listed on your statement • An unauthorized person has discovered your Online Banking Password • Someone has transferred or may transfer money from your account without your permission • Bill Pay transactions have been made without your authorization We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a Bill Pay from an account maintained at another financial institution). If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) ban k bank business days (Online Banking customers may use secure Internet mail). When you contact us, please provide the following information: • Your name and account number • The date and dollar amount of the transaction in question • The name of the payee if the transaction in question is a payment • The transaction number assigned by Online Banking, if available • A description of the transaction about which you are unsure Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation within 10 bank business days (5 bank business days for debit card point-of- sale transactions and 20 bank business days if the transfer involved a new account) after we hear from you, and we will promptly c orrect correct any error we have made. If we need more time, however, we may take up to 45 bank business days (90 bank business days if the transfer involved a new account, a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days (5 bank business days for debit card point-of-sale transactions and 20 bank business days if the transfer involved a new account) for the amount you think is in error, so that you 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 i n writing, and we do not receive your letter in 10 bank business days, we reserve the right not to provisionally credit your account. If we conclude there was no error, we will send you a written explanation within three (3) bank business days after we complete comple te our investigation. You may request copies of the documents that we used in our investigation.