Common use of Online Banking for Consumers and Businesses Clause in Contracts

Online Banking for Consumers and Businesses. You may use Online Banking to: • Transfer funds between your linked Glenwood State Bank accounts on either a one-time or recurring basis, including a payment to a linked installment loan or mortgage • Transfer funds between your account at Glenwood State Bank and your account at another financial institution. • View current balance information for your linked Glenwood State Bank accounts • Review available transactions for your linked accounts • Perform self-service account maintenance and change your User ID and Internet Password • Send us secure email messages and questions regarding your accounts and Online Banking service • View images of deposits and paid checks • View bank statements • Pay Bills through Bill Pay • Person to Person payments through Bill Pay • Perform Cash Management Services for Business Customers Some of the above services may not be available for certain accounts or customers. Security: Glenwood State Bank Online Banking transmits data using SSL (Secure Socket Layer) technology that supports 128 -bit key encryption. If your browser does not support 128-bit encryption, you will not be able to access Online Banking. The Glenwood State Bank web server does not connect directly to the Internet. It is buffered from the Internet through the use of firewalls and a service provider interface. All access from outside the bank must go through these firewalls, which screens the requests and allows only valid http traffic to reach the server. Hardware and Software Requirements. To be able to use Online Banking, you must provide your own personal computer with Internet access. Online Banking can be accessed through a basic web browser like Microsoft Internet Explorer and should always have the latest version (See Security above for encryption requirements.) You should also have current appropriate anti-virus and spyware software. You are and will remain solely responsible for the purchase, hook-up, installation, loading, operation, and maintenance of your own personal computer and for all related costs. You are solely responsible for scanning the Hardware and the Software for computer viruses and other related problems before you use them.

Online Banking for Consumers and Businesses. You may use Online or Mobile Banking to: • Transfer funds between your linked Glenwood State Bank accounts on either a one-time or recurring basis, including a payment to a linked installment loan or mortgage • Transfer funds between your account at Glenwood State Bank and your account at another financial institution. • View current balance information for your linked Glenwood State Bank accounts • Review available transactions for your linked accounts • Perform self-service account maintenance and change your User ID and Internet Password • Send us secure email messages and questions regarding your accounts and Online Banking service • View images of deposits and paid checks • View bank statements • Pay Bills through Bill Pay • Person to Person payments through Bill Pay and Zelle • Perform Cash Management Services for Business Customers Some of the above services may not be available for certain accounts or customers. Security: Glenwood State Bank Online Banking transmits data using SSL (Secure Socket Layer) technology that supports 128 -bit 256 bit key encryption. If your browser does not support 128256-bit encryption, you will not be able to access Online Banking. The Glenwood State Bank web server does not connect directly to the Internet. It is buffered from the Internet through the use of firewalls and a service provider interface. All access from outside the bank must go through these firewalls, which screens the requests and allows only valid http traffic to reach the server. Hardware and Software Requirements. To be able to use Online Banking, you must provide your own personal computer computer, mobile device or tablet with Internet access. Online Banking can be accessed through a basic web browser like Microsoft Internet Explorer and should always have the latest version (See Security above for encryption requirements.) You should also have current appropriate anti-virus and spyware software. You are and will remain solely responsible for the purchase, hook-up, installation, loading, operation, and maintenance of your own personal computer and for all related costs. You are solely responsible for scanning the t he Hardware and the Software for computer viruses and other related problems before you use them.

Online Banking for Consumers and Businesses. You may use Online Banking to: • Transfer funds between your linked Glenwood Xxxxx State Bank accounts on either a one-time or recurring basis, including a payment to a linked installment loan or mortgage • Transfer funds between your account at Glenwood State Bank and your account at another financial institution. • View current balance information for your linked Glenwood Xxxxx State Bank accounts • Review available transactions for your linked accounts • Perform self-service account maintenance and change your User ID and Internet Password • Send us secure email messages and questions regarding your accounts and Online Banking service • View images of deposits and paid checks • View bank statements • Pay Bills through Bill Pay • Person to Person payments through Bill Pay • Perform Cash Management Services for Business Customers Some of the above services may not be available for certain accounts or customers. Security: Glenwood Xxxxx State Bank Online Banking transmits data using SSL (Secure Socket Layer) technology that supports 128 -bit key encryption. If your browser does not support 128-bit encryption, you will not be able to access Online Banking. The Glenwood Xxxxx State Bank web server does not connect directly to the Internet. It is buffered from the Internet through the use of firewalls and a service provider interface. All access from outside the bank must go through these firewalls, which screens the requests and allows only o nly valid http traffic to reach the server. Hardware and Software Requirements. To be able to use Online Banking, you must provide your own personal computer with Internet access. Online Banking can be accessed through a basic web browser like Microsoft Internet Explorer and should always have the latest version (See Security above for encryption requirements.) You should also have current appropriate anti-virus and spyware software. You are and will remain solely responsible for the purchase, hook-up, installation, loading, operation, and maintenance of your own personal computer and for all related costs. You are solely responsible for scanning the Hardware and the Software for computer viruses and other related problems before you use them.

Online Banking for Consumers and Businesses. You may use Online Banking to: • Transfer funds between your linked Glenwood State Bank accounts on either a one-time or recurring basis, including a payment to a linked installment loan or mortgage • Transfer funds between your account at Glenwood State Bank and your account at another financial institution. • View current balance information for your linked Glenwood State Bank accounts • Review available transactions for your linked accounts • Perform self-service account maintenance and change your User ID and Internet Password • Send us secure email messages and questions regarding your accounts and Online Banking service • View images of deposits and paid checks • View bank statements • Pay Bills through Bill Pay • Person to Person payments through Bill Pay • Perform Cash Management Services for Business Customers Some of the above services may not be available for certain accounts or customers. Security: Glenwood State Bank Online Banking transmits data using SSL (Secure Socket Layer) technology that supports 128 -bit key encryption. If your browser does not support 128-bit encryption, you will not be able to access Online Banking. The Glenwood State Bank web server does not connect directly to the Internet. It is buffered from the Internet through the use of firewalls and a service provider interface. All access from outside the bank must go through these firewalls, which screens the requests and allows only o nly valid http traffic to reach the server. Hardware and Software Requirements. To be able to use Online Banking, you must provide your own personal computer with Internet access. Online Banking can be accessed through a basic web browser like Microsoft Internet Explorer and should always have the latest version (See Security above for encryption requirements.) You should also have current appropriate anti-virus and spyware software. You are and will remain solely responsible for the purchase, hook-up, installation, loading, operation, and maintenance of your own personal computer and for all related costs. You are solely responsible for scanning the Hardware and the Software for computer viruses and other related problems before you use them.