2. Enrollment/Application Forms. To establish TriLine you will complete certain enrollment screens or other documents evidencing your desire to access your accounts using TriLine. The specific services available to you are identified in Section 10 of these Disclosures. Your completion of the enrollment screen and signature on the Transfer Agreement constitutes your agreement to the terms of this Agreement.

3. Your Responsibility. You are responsible for selecting all systems, hardware and your Internet Service provider and for any defect, malfunction or interruption in service or security due to hardware failure, your choice of Internet Service provider and systems and computer services.

4. Eligible Tri City National Bank Accounts. To access your account(s) through TriLine, you must have at least one eligible account with us. For purposes of this agreement, eligible accounts are limited to consumer deposit accounts and include the following:

		Demand Deposit (Checking) Accounts
		Savings Accounts (See 11. Fees)

5. Access Codes. To access TriLine, you must obtain a unique User Identification Number and Password. The Password has the same effect as your signature to authorize transactions. You agree to keep the Password private, not to record the Password or otherwise disclose or make the Password available to anyone. Anyone to whom you disclose your Password and anyone who has access to your Password will have full access to the services you can perform on TriLine, including full access to your accounts. You have no ability to limit any such person's authority. If anyone uses your Password with your permission, you will be responsible for all future transactions performed by that person whether or not authorized by you.

6. Customer Liability. Tell us at once if you believe your Password has been lost, stolen or otherwise became available to an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line of credit). If you tell us within two business days, you can lose no more than $50 if someone used your Password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Password, and we can prove that we could have stopped someone from using your Password without your permission, you could lose as much as $500.

Also, if your statement shows transfers initiated online that you did not make, tell us at once. If you do not tell us within 60 days of the date we mail a periodic statement to you, you lose any rights to recover from us, even if we failed to use ordinary care in making the transfer.

write us at:

Tri City National Bank Unauthorized Transfers PO Box 44017 West Allis, WI 53214

8. Business Days. Our business days are Monday through Friday, excluding federal holidays. We can process a funds transfer on the same business day as your instructions, if we receive your instructions before our TriLine cut-off hour of 11 PM Central Time on a business day. If we receive your instruction after the end of our business day, we process the transaction on our next business day.

9. Hours of Operation. Although you may access TriLine 24 hours a day, 7 days a week, at certain times some or all of TriLine's account options may not be available due to system maintenance. If TriLine will not be accessible for an extended period of time, we will attempt to provide you with notice, but cannot guarantee prior notice will be provided.

10. Online Services. Using your User ID and Password you can perform the following:

A.	Account Information - You can obtain specific information about your accounts, including: a) account balance information, loan payment due dates and maturity dates, b) detail information including interest rates and interest paid year to date, c) account activity including deposits and withdrawals. You wil have the ability to download your account information to specific file formats.
B.	Funds Transfers - You may transfer funds between Tri City National Bank accounts, provided you have signed and returned the Transfer Agreement. Permissible funds transfers include: Transfers from checking to checking Transfers from savings to savings Transfers from checking to savings Transfers from savings to checking Transfers from your home equity line of credit to checking Transfers from your checking to your home equity line of credit A transfer of funds between any of these accounts may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. You agree to transfer funds only from accounts that have sufficient funds to complete a transfer and understand that a transfer from an account with insufficient funds will not be completed. (1) Limitations on Transfers - Under federal regulations, you may make no more than six transactions per month from your savings or money market deposit account. These transactions include preauthorized fund transfers, telephone transfers, TriLine transactions, checks and point-of-sale transactions. Of these six transactions, you are limited to no more than three transactions per month by check, draft, debit card or similar order to third parties. Each funds transfer through TriLine from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each month.
C.	Stop-Payments - A stop payment order must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date and amount of the item, and the payee. We will honor a stop-payment request by the person who signed the particular item, and, by any other person, who has a right to withdraw from the account, even though the other person did not sign the item. A release of the stop-payment request may be made only by the person who initiated the stop-payment. Any stop payment request initiated online will be mailed a confirmation of the stop payment. The confirmation notice will be mailed to the account address in our files. (1) Right to stop-payment and procedure for doing so - If you have told us in advance to make regular payments out of your account, you can stop any of these payments, here is how: Complete the Stop Payment screen available through TriLine, or call us at 1-888-874-2489 or write us at:   Tri City National Bank Stop Payment Requests PO Box 44017 West Allis, WI 53214 Refer to our current fee schedule for charges. (2) Liability for failure to stop payment of preauthorized transfer - If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
D.	Contact Us - The "Contact Us" option allows you to make inquiries about your accounts, initiate maintenance (i.e. address changes), etc. over a secure line. However, transactions initiated through "Contact Us" will not be honored.

11. Fees. Tri City National Bank does not charge consumers to access TriLine Online Banking if the customer has a Checking Account. A customer with only a Savings Account may still access TriLine Online Banking, but will be assessed a monthly fee of $4.00. Normal account and/or activity charges are applicable and you will be charged accordingly.

12. Periodic Statements. Your TriLine account activity will appear on your periodic account statement. If there are no transfers in a particular month, you will receive statements at least quarterly.

13. Our Liability For Failure to Make Transfers. If you have given us all of the proper and timely instructions and have properly completed all fields to complete a transfer or bill payment, and 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:

		If, through no fault of ours, you do not have enough money in your account to make the transfer
		If the money in your account is subject to legal process or other encumbrances restricting the transfer.
		If the transfer would go over the credit limit on your overdraft credit plan, if any.
		If the transfer system was not working properly and you knew about the breakdown when you started the transfer.
		If circumstances beyond our control (such as fire or flood) prevent the transfer or use of TriLine despite reasonable precautions that we have taken.
		If we have a reasonable basis for believing that unauthorized use of your account(s) has occurred or is occurring, if you are in default under this or any other Agreement with us, or if you or we have terminated or suspended your use of TriLine.
		If your operating system is not properly installed or functioning properly.
		For errors or failures from any malfunctions of your browser, Internet service provider, computer, computer virus or other problems relating to the computer equipment you use with TriLine, including, without limitation, your inability to access TriLine or any part of TriLine.
		For a failure to provide access or for interruptions in access to TriLine due to TriLine system failure.
		NOTWITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY US OR OUR THIRD PARTY PROVIDER IN TRANSFERRING FUNDS OR PAYING A BILL WILL BE TO CORRECT THE ERROR, BUT IN NO CASE WILL THE BANK BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES IN CONNECTION WITH OR IN ANY WAY RELATED TO INTERNET SERVICE.

14. Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make, as permitted by law, including, without limitation

		where it is necessary for completing or tracing transfers or resolving errors or claims
		in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution
		in order to comply with court orders or other legal process
		to other companies affiliated with us
		to others with your consent
		and whenever required by law

View our privacy policy for more information.

15. Termination. We may modify, suspend or terminate your privilege of using TriLine and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate TriLine, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable.

If you have not logged into TriLine Online Banking within a three month period of time, you may need to reenroll.

You may terminate your access to TriLine by notifying us in writing at:

Tri City National Bank PO Box 44017 West Allis, WI 53214

16. Third Parties. You understand that support and services relating to TriLine are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service.

17. Amendment. We may amend this Agreement at any time. Notice will be sent to you at your current address in our files. Amendments will be effective upon the date indicated in the notice. By accessing TriLine after the amendments have been made, you agree to be bound by the amended Agreement.

18. General. This Agreement is intended to supplement and not to replace other Agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail.