Associated Website Terms of Use

INTRODUCTION. Welcome to the Associated website. Associated Bank, N.A. and affiliates provide access to their website(s) ("Site") subject to the following terms and conditions of website use ("Terms of Use"). By accessing the Site and any pages thereof, you hereby consent to and accept the Terms of Use, including as they may change from time-to-time. Associated Bank, N.A. and affiliates may change the Terms of Use at any time without notice and updated Terms of Use will be posted on this website.

RELATED PRODUCTS AND SERVICES. Associated Bank and affiliates offer a variety of products and services on the Site. Such products and services are subject to applicable underlying agreements for such products and services. Site Terms of Use are intended to supplement underlying product and service agreements and such underlying product and service agreements control in cases of conflicting provisions. Not all products and services are available in all geographic areas and the terms and fees of such products and services may vary by geographic region. Product information is subject to change without notice. Your eligibility for products and services is subject to review and acceptance by the Associated affiliate providing such products or services. Deposit and loan products are offered by Associated Bank, N.A. Associated Bank, N.A. is an affiliate of Associated Banc-Corp. Associated Bank, N.A. is a Member FDIC, an Equal Housing Lender and an Equal Opportunity Lender. Loan products are subject to credit approval and involve interest and other costs. Please ask about details on fees, conditions and terms of these products. Associated Risk Group, LLC is an affiliate of Associated Banc-Corp.

SECURITIES AND ADVISORY SERVICES (OTHER THAN THOSE PROVIDED BY REPRESENTATIVES OF ASSOCIATED FINANCIAL GROUP, LLC) ARE OFFERED BY ASSOCIATED INVESTMENT SERVICES, INC (“AIS”) , member FINRA and SIPC, d/b/a Associated Investment Services Group in Minnesota. • Insurance products are offered by licensed agents of Associated Financial Group, LLC (“AFG”). • SECURITIES AND ADVISORY SERVICES PROVIDED BY REPRESENTATIVES OF AFG ARE OFFERED BY LPL FINANCIAL , member FINRA and SIPC. • Investment management services are provided by representatives of AFG through Financial Resource Management Group, Inc. d/b/a AFG Financial Services ("FRMG”). • Fiduciary, administrative, and planning services are provided by Associated Trust Company, N.A. (“ATC”). Investment management services are provided to ATC by Kellogg Asset Management, LLC ® (“KAM”), an SEC-registered investment adviser.Securities and insurance products offered are NOT deposits or obligations of, insured or guaranteed by Associated Banc-Corp (“AB-C”) or any bank or affiliate, are NOT insured by the FDIC or any agency of the United States, and involve INVESTMENT RISK, including POSSIBLE LOSS OF VALUE . • Advisory services may not be available in all locations. • AIS, AFG, FRMG, ATC and KAM are all affiliates of AB-C. • LPL is NOT an affiliate of AB-C.

ADDITIONAL DEFINED TERMS. The following terms are defined for the remainder of the Terms of Use.

Associated – “Associated” refers to Associated Bank, N.A. and affiliates.

Internet service provider – “ISP” refers to Internet service provider.

SOFTWARE AND HARDWARE REQUIREMENTS. To access the Site, you must obtain access to the Internet which involves computer hardware (e.g., computer, modem) and software (e.g., web browser) requirements. You are solely responsible for any fees and charges related to your access to the Internet, including but not limited to any ISP fees, telephone charges and cellular provider charges. Certain segments of the Site require additional hardware and/or software to effectively use the Site and to sign up for various products and services online. Adobe® Acrobat Reader is also needed to view statements online and to agree to some products and services online. Associated requires you to use a web browser that supports adequate security measures which includes the use of Secure Socket Layer (SSL) encryption technology with 128 bit encryption, and such standards may change from time-to-time as determined by Associated. Associated recommends you use adequate anti-virus and anti-spyware software and that you keep such software current to help you avoid data compromise and related losses. You are responsible for selecting all systems, hardware and your ISP. You are also responsible for any defect, malfunction or interruption in service or security due to hardware failure, your choice of ISP and systems and computer services. Associated is not responsible for any computer virus or related problems that may arise with your use of the Site, products or services. Some services on the site may require you to have a telephone for OOBA (Out-of-Band Authentication) which provides additional, multi-factor authentication to help prevent unauthorized access.

LINKS TO OTHER SITES/WEBLINKING. The Associated Site contains a variety of web links to third-party websites. These links are provided as a convenience to you and such third-party websites are not under Associated control. Associated makes no representations or warranties as to the accuracy and information on or from other websites. Please be advised that the privacy policy and security policy of third-party linked websites are not that of Associated.

PRIVACY. For consumers, please refer to the Associated Privacy Policy. This Privacy Policy reflects our understanding and expectations at the time we provide it, but may change from time-to-time. No information communicated by Associated regarding its privacy policy statement alters, amends or creates any contractual relationship and does not constitute any type of warranty. The following information is supplemental privacy information pertaining to the Site environment. To serve you better, the Site was set up to capture your domain name and email address. By capturing this information we will be able to provide you with updates to our Site, notify you of new products and services being offered and allow us to enhance our Site based on traffic trends. Associated and Associated’s Service Providers may use a "cookie" or similar text files on some pages of our Site and in our online advertising. A "cookie" is an element of data that a website can send to your browser, which may then store it on your system. A cookie helps a website to recognize whether or not you have visited the website before, allowing the browser to provide your information back to the server on subsequent visits. A cookie does not retrieve any data from your hard drive, does not carry computer viruses and does not reveal anything about you that you have not already revealed.

You agree not to provide Associated with personal health care information on the Site, unless asked for such information by Associated. The Site is not intended for residents of countries other than the United States.

Some services offered on or through the Site require you to provide an electronic mail address to facilitate provision of the service. If you provide us with an electronic mail address, Associated may use such electronic mail address to send to you communications, including marketing communications. If you would prefer not to receive marketing communications by electronic mail, such marketing electronic mail items will contain a method for you to opt-out of receipt of marketing by electronic mail from Associated.

SECURITY. Please refer to the Security section on the Site for additional information on security. Electronic mail over the Internet is not secure or confidential. Associated is not responsible for any damages in connection with electronic mail you send to Associated or electronic mail sent to you, at your request.

CHILDREN USING SITE. Due to the Children's Online Privacy Protection Act, the Site is not intended for use by individuals under the age of 13. Associated does not knowingly solicit or knowingly market to children under 13 without parental consent. Children should always ask a parent or legal guardian for permission before sending personal information to anyone online.

BOOKMARKS AND LINKING. You may create a bookmark in your web browser to the Site, but you may not create a link to the Site on any other publicly accessible website without the express written consent of Associated.

AGGREGATION. There are a variety of aggregation websites on the Internet that allow you to consolidate account information from various sources to be viewed on a website. If you choose to use an aggregator service, you should ensure that the aggregator company is reputable and has appropriate policies and practices to protect the privacy and security of information you provide and/or information they obtain access to pertaining to you. Associated does not have control over third-party aggregator policies and practices.

COPYRIGHTS, TRADEMARKS AND/OR RESTRICTIONS ON USE. Except were expressly noted, you acknowledge and agree that Associated, our services providers and/or our licensors own all rights to the Site and the content and works of authorship displayed on the Site; including without limitation photos, text, icons, source code, video, software, graphics and sound recordings (including how such information and materials are arranged on the Site). Such items are protected by copyright and/or other laws. You are authorized to view such information and materials on the Site only for your own informational purposes. You may not copy, distribute, disseminate, sell, reproduce, display, link to, license, create derivative works of or republish the Site or any portion of the Site for any commercial or public purpose without our prior express written consent. In addition, Associated or others (e.g., our licensors and/or Service Providers) as indicated also owns the trademarks, service marks, registered service marks or registered trademarks and logos (each referred to as “Marks”) which are displayed on the Site. You agree not to use such Marks without the prior express written consent of Associated or the indicated third-party that may own the Marks. You agree that except as expressly provided herein, Associated has granted you no license, rights in or rights to use any of the Marks; Associated and/or our Service Providers and licensors retain all rights to the Marks.

REGULATION GG. You agree not to use the Site, products and/or services provided by Associated in a way that involves "restricted transactions" (as defined in Regulation GG, 12 CFR Part 233) pertaining to unlawful Internet gambling. You agree to inform us if your organization is an Internet gambling business (as defined in Regulation GG, 12 CFR Part 233) or if you process transactions for an Internet gambling business. Unless you notify us in writing that your organization is an Internet gambling business, you certify that your organization does not engage in an Internet gambling business. You agree to notify us in writing if your organization becomes an Internet gambling business. Restricted transactions are prohibited from being processed through the Site and/or your account at Associated. Associated reserves the right to prohibit and/or reject transactions involving Internet gambling.

NOTE: In the DISCLAIMER and LIMITATION OF LIABILITY section, the term “ASSOCIATED” encompasses our service providers.

DISCLAIMER. THE INFORMATION, MATERIALS AND SERVICES CONTAINED IN THE SITE, INCLUDING TEXT, LINKS, GRAPHICS OR OTHER ITEMS ARE PROVIDED "AS AVAILABLE", "AS IS." ASSOCIATED MAKES NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE AND SERVICES HEREUNDER, OR ANY RELATED SERVICE, OR THE FITNESS OF THE SITE AND/OR SERVICES FOR CUSTOMER’S USE. ASSOCIATED HEREBY EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING OR COURSE OF PERFORMANCE. NO ORAL OR WRITTEN INFORMATION GIVEN BY ASSOCIATED, ITS EMPLOYEES, LICENSORS OR THE LIKE WILL CREATE A WARRANTY HEREUNDER. ALSO, ASSOCIATED DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE OR SERVICES PERTAINING TO NONINFRINGEMENT, SECURITY, ACCURACY, NON-INTERRUPTION AND FREEDOM FROM COMPUTER VIRUS. ASSOCIATED DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR ADEQUACY OF THE INFORMATION AND MATERIALS ON THE SITE.

LIMITATION OF LIABILITY. Except as otherwise expressly provided in this agreement or otherwise expressly provided by applicable law, rule, or regulation, you agree that neither we nor any entity or person who provides services or products to us ("Service Providers") will be liable for any loss, injury, or damage, including, but not limited to, indirect, incidental, special, consequential, or punitive damages, whether under contract, tort, or any other theory of liability, arising out of or relating to any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line failure, or unauthorized interception or access to your communications with us, even if we or the Service Providers are aware of the possibility of such events. To the extent any law, rule, or regulation provides for us to be liable for any such loss, injury, or damage, but permits our liability to be limited or eliminated by agreement, this paragraph limits or eliminates our liability to the fullest extent permitted.

MISCELLANEOUS. The Site is intended for use only in the United States. Column headings are for informational purposes only and do not impact the meaning of the Terms of Use. You agree not to use the Site in any illegal activity or for the transmission of material that is harassing, unlawful, libelous, threatening, obscene or invasive of another’s privacy. Associated does not give tax or legal advice. Consult with your tax and/or legal advisor for information specific to your situation. You agree not to reverse engineer any content or process on the Site.

GOVERNING LAW. These Terms of Use are governed by and shall be interpreted under the internal laws of the State of Wisconsin, excluding its conflict of law principles.

INDEMNIFICATION. You agree to indemnify, defend and hold harmless Associated and its respective directors, officers, employees, Service Providers and agents from and against all claims and expenses (including reasonable attorneys’ fees) arising out of your violation of the Site Terms of Use or misuse of the Site.

QUESTIONS. If you have any questions regarding the Site, please contact Associated.