GLENVIEW STATE BANK. Personal HOMEBanker, SM MOBILEBanker SM and Personal Xpress Deposit SM Services Agreement and Disclosure Statement

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1 GLENVIEW STATE BANK Personal HOMEBanker, SM MOBILEBanker SM and Personal Xpress Deposit SM Services Agreement and Disclosure Statement 1. TERMS OF AGREEMENT. This Agreement and Disclosure Statement including Schedules A through D (this "Agreement") governs your use of the HOMEBanker SM Services, the MOBILEBanker SM Services, the Personal Xpress Deposit SM Services, Bill Payment Feature, Wire Transfer Feature and estatement Feature (collectively, the Services ) currently offered by Glenview State Bank (the "Bank" or "we" or "us") and makes disclosures required by law as to certain Services involving electronic funds transfers or payments. HOMEBanker, SM MOBILEBanker SM and Personal Xpress Deposit SM are each registered service marks of Glenview State Bank. You may print a copy of this Agreement at This Agreement contains the terms and conditions under which you as a customer of the Bank ("you" or "your") may use certain Services with respect to your Accounts (as defined in Section 2 below). When you use or access any of the Services, or permit anyone else to do so with respect to your Accounts, you and all other owners and/or signatories of the Accounts (if any) agree to be bound jointly and severally by the terms and conditions of this Agreement. If any of your Accounts are joint Accounts, we may rely upon the verbal, written or electronic instructions of any authorized signer for such Account or any owner. We are authorized by you to honor any instruction for funds transfers using the Services by any one person using the Identifiers established pursuant to Section 8 of this Agreement despite any other agreement with us that requires more than one signature on a check. The Accounts and all transactions using the Services are also subject to terms and conditions of all applicable agreements, fee schedules, rules and regulations of the Bank relating to the type of Account with respect to which the Services are made available, now or in the future, as said agreements, fee schedules, rules and regulations are now in effect or as they may hereafter be amended, modified or adopted (collectively, the Account Agreements ). This Agreement and the Account Agreements together constitute our complete agreement with you relating to the Services. No other statements, whether oral, written or on our Site, are part of this Agreement unless otherwise provided herein. Unless otherwise provided in the Account Agreements, Business Days means Monday through Saturday, excluding Sundays and Bank holidays and Business Hours means generally from 7 AM to 7 PM Monday through Friday and 7 AM to 3 PM on Saturday. 2. HOMEBANKER SM AND MOBILEBANKER SM SERVICES. As used in this Agreement, the term HOMEBanker SM Services means the online banking services designated as such for individuals that are offered from time to time in the Bank s discretion through its website at (the Site ) and the term MOBILEBanker SM Services means banking services designated as such for individuals that are offered from time to time by the Bank in its discretion for use by customers using certain mobile devices. 1

2 As further described below, the Services currently include the activities described below with respect to the checking, negotiable order of withdrawal ("NOW"), savings or insured money market accounts at the Bank of which you are a sole or joint owner (collectively, the "Account" or "Accounts") all on the terms set forth in the Account Agreements and this Agreement (including Schedules A through D). The Services currently available include the ability to: 1. View balance and transaction information concerning your Accounts. 2. View images of checks clearing your Accounts. 3. Transfer funds between your deposit Accounts. 4. Make payments on your loans held by the Bank. 5. Transfer funds from established lines of credit, if any, accessible through your checking Account, or by check, to your deposit Accounts. 6. Schedule future transfers on a one-time or recurring basis. 7. Make payments to payees other than the Bank from any of your checking Accounts. 8. Initiate wire transfers to payees other than the Bank from any of your checking Accounts. 9. Send electronic mail messages to the Bank. 10. Place stop payment orders for checks written against your Accounts. 11. Make deposits of certain original checks using your mobile device. 12. Receive certain statements, disclosures and notices from the Bank in electronic form rather than on paper. 13. Initiate Automated Clearing House ( ACH ) transactions to payees. 3. PERSONAL XPRESS DEPOSIT SM Services. As used in this Agreement the term Personal Xpress Deposit SM Services means the services offered from time to time in the Bank s discretion that allow you to make deposits of certain original checks to your Accounts using the camera feature and other capabilities of your mobile device to deliver digital images and associated information to us or our processor. In addition to the general provisions of this Agreement, the terms and conditions on which Personal Xpress Deposit SM Services are offered are set forth on Schedule A to this Agreement. To the extent that there is any conflict or inconsistency between the terms of Schedule A and any other provision of this Agreement, the terms of Schedule A shall take precedence and control to the extent of such conflict or inconsistency but only with respect to the Personal Xpress Deposit SM Services 4. OFFICIAL RECORD OF ACCOUNTS. The Services allow you to view data for your Accounts with us as a convenience and for informational purposes. The data viewed using the Services is not the official record of your Accounts or their activity. The Account statements furnished by us in paper form remain the official record of the Accounts. The Account data available using the Services is generally updated during the day but is subject to later adjustment and correction. Such Account data therefore should not be the basis for your deciding to take or not take any action. Please note that if you utilize the estatement Feature described in Schedule D, a different version of this Section 4 will apply as set forth in Schedule D. 2

3 5. REQUIREMENTS FOR USE. You shall be solely responsible for obtaining, installing, maintaining and operating your computer, telephone, mobile device, other equipment, related software, Internet service and wireless service as may be required from time to time for you to access and use the Services through the Internet and/or the carrier you select for your mobile devices (collectively, your Devices and Connections ) and guarding them against theft, loss, security breach, damage and misuse. We shall not be responsible for providing, supporting or maintaining any of your Devices and Connections or their security. If you call us for support, we may provide you suggestions for adjusting the settings of your Devices and Connections to help you access the Services. We are not responsible for any impact these changed settings may have on your Devices and Connections or your security, data or any other software, data, services, devices or other equipment. 6. DISCLAIMER OF WARRANTIES. YOU ASSUME THE ENTIRE RISK WITH RESPECT TO YOUR USE OF ANY OF THE SERVICES, AND THE DEVICES AND CONNECTIONS AND ANY ASSOCIATED HARDWARE AND/OR SOFTWARE THAT YOU USE TO ACCESS ANY OF THE SERVICES INCLUDING, WITHOUT LIMITATION, THE RISK THAT ANY AND ALL INFORMATION AND TRANSACTIONS EXCHANGED OR PROCESSED THROUGH ANY OF THE SERVICES ARE VIEWED, COPIED AND/OR TAMPERED WITH BY A THIRD PARTY WHEN IN TRANSIT OR THROUGH YOUR PROVISION OF YOUR IDENTIFIERS (AS DEFINED HEREIN). THE RISK OF ERROR, FAILURE, SECURITY BREACH OR NONPERFORMANCE OF YOUR DEVICES AND CONNECTIONS IS ALSO YOUR RISK. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN OR REQUIRED BY APPLICABLE LAW, ALL OF THE SERVICES ARE PROVIDED "AS IS", AND THE BANK MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT THERETO, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, NON- INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE OR WITH RESPECT TO THE AVAILABILITY, ACCURACY, COMPLETENESS OR TIMELINESS OF ANY SERVICES. THE BANK MAKES NO WARRANTY THAT ANY OF THE SERVICES ARE TOTALLY SECURE OR WILL BE FREE OF ANY VIRUS OR ERROR FREE. IN ADDITION, BANK MAKES NO WARRANTY THAT ANY OF THE SERVICES ARE APPROPRIATE FOR YOUR NEEDS OR THAT THIRD-PARTY GOODS AND/OR SERVICES REFERENCED HEREIN WILL PERFORM AS DOCUMENTED. YOU AGREE TO LOOK SOLELY TO THE THIRD-PARTY PROVIDER WITH RESPECT TO ANY WARRANTY CLAIMS WITH RESPECT TO THE THIRD PARTY S GOODS AND/OR SERVICES. YOU UNDERSTAND AND AGREE THAT THE SERVICES AND ALL INFORMATION PRODUCTS AND CONTENT, INCLUDING THOSE PROVIDED BY THIRD PARTIES, ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE. WE MAKE NO WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, TIMELY OR SECURE. IF YOU HAVE REQUESTED ALERTS USING THE SERVICES WE WILL USE REASONABLE EFFORTS TO CAUSE THE ALERTS TO BE SENT BUT WE SHALL NOT BE RESPONSIBLE FOR A FAILURE TO SEND THE ALERTS UNLESS THE FAILURE WAS DUE TO INTENTIONAL MISCONDUCT OR GROSS NEGLIGENCE. 7. EXCLUSION OF CERTAIN DAMAGES; LIMITATION OF LIABILITY; INDEMNITY. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN OR REQUIRED BY 3

4 APPLICABLE LAW, IN NO EVENT SHALL THE BANK BE LIABLE TO YOU FOR ANY SPECIAL, CONSEQUENTIAL, INCIDENTAL, DIRECT OR INDIRECT DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, OPPORTUNITY OR DATA AND PERSONAL INJURY), WHETHER OR NOT THE BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS, HOWEVER CAUSED, AND ON ANY THEORY OF LIABILITY ARISING OUT OF YOUR USE OF OR INABILITY TO USE THE SERVICES OR ANY OF YOUR DEVICES OR CONNECTIONS THAT YOU USE TO ACCESS OR USE THE SERVICES, VIRUSES OR OTHER PROBLEMS WITH YOUR DEVICES OR CONNECTIONS OR OTHER HARDWARE, SOFTWARE OR SERVICES. Except to the extent otherwise required by applicable law, in no event will the Bank be liable for any claim against you by a third party, and you agree to indemnify and hold the Bank harmless for any third-party claims for costs, damages, expenses or liabilities arising out of or in connection with your use of and the performance of the Services in connection therewith, whether alone or in combination with any other product or service. Without limiting the foregoing, you acknowledge and agree to assume the entire risk of and liability for loss or corruption of any other software or data or malfunction of any equipment or service (including, without limitation, the Devices and Connections) in connection with using the Services. In no event shall we be liable for damages in excess of your actual loss. 8. MEANS OF IDENTIFICATION. When registering for the Services, you will choose a unique User ID ( Username ). You will be assigned a password on a temporary basis that you must change (as initially assigned or later changed, Password ). The first time you use the Services using any access method, you will be required to change your Password to a new Password of your own choice. You will be required to take other steps to further authenticate your identity for increased security by entering a Secure Access Code generated by the Service and sent to your selected delivery channel (phone or ). Your User ID, your Password and all additional authentication information or action required by the Bank, if any, may be referred to collectively as your Identifiers. Your Identifiers are personal and confidential and are used to authenticate and validate your directions to us. You acknowledge and agree that the use of your Identifiers with the Services is a security method intended to help us maintain the security of your Accounts. You are responsible for the safekeeping of your Identifiers. You agree not to disclose your Identifiers to anyone and to take all reasonable precautions to protect others from learning your Identifiers. Any other owner or signer of any Account may obtain separate Identifiers from us to access such Account. The Bank strongly suggests that you change your Identifiers from time to time in order to enhance security. You, however, acknowledge and agree that the security, integrity and privacy of any and all information and transactions exchanged or processed through the Services cannot be guaranteed and that any such information may be viewed, copied or tampered with in transit by a third party. You further acknowledge that Bank is not responsible for your failure to safeguard the privacy of your Identifiers. We are entitled to act on transaction and other instructions received using your Identifiers and you agree that the use of your Identifiers will have the same effect as your signature authorizing the transaction or other instructions. If you disclose any of your Identifiers to any person or entity or permit anyone to access or use them in connection with the Services, you shall be responsible for all transactions and other acts or omissions of such persons or entities. 4

5 We will never contact you by any means requesting your Identifiers. Such a request may be an attempt at identity theft. If you receive such a request you should refuse, take appropriate security precautions and promptly advise us of the attempt. 9. ACCESS, TRANSFER AND PAYMENT LIMITATIONS. You will be denied access to the Services if you do not provide valid Identifiers. Your access may be denied if you exceed the number of invalid attempts allowed by us. Transfers and payments are limited to the amount of funds available for withdrawal in your deposit Accounts or for draws under established lines of credit, if any. The availability of funds in your deposit Accounts is subject to the availability schedule published by us from time to time. Transfers from any insured money market Account cannot exceed six per month (including checks). Transfers performed during any Business Day generally will be posted to your Account as of that day; however, transfers performed after Business Hours on a Business Day or on a Sunday or Bank holiday may not be posted to your Account until the next Business Day. Transfers scheduled for a future date will generally be processed at 1 a.m. on the requested date if it is a Business Day, or at 1 a.m. on the next Business Day if the requested date falls on a Sunday or Bank holiday. If a future transfer cannot be performed because of insufficient funds in your Account, you will be notified by an message posted to your account in the HOMEBanker SM system. You agree that you will not initiate a transfer that violates the applicable laws or regulations of the United States or any other relevant jurisdiction. We reserve the right to refuse to execute any transaction (unless required to do so by applicable law or regulation), but will notify you of our refusal to execute the transaction. Our notice will be provided by for HOMEBanker SM Services. 10. ADDRESS CHANGES. If your postal or address changes, you need to come to the Bank in person or call the Bank at the telephone number set forth in the section of the Agreement entitled How to Notify Us so that we may change our records. 11. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS. Tell us AT ONCE if you believe any of your Identifiers has been lost, stolen or used without your permission. Generally, telephoning is the best way of keeping your possible losses down. You could lose all the money in your Accounts (plus the maximum amount available under established lines of credit, if any, accessible through any checking Account). If you believe any of your Identifiers has been lost, misused or stolen, and you notify us within two Business Days after you learn of the loss, misuse or theft, you can lose no more than $50.00 if someone used any of your Identifiers without your permission. If you do NOT notify us within two Business Days after you learn of the loss, misuse or theft of any of your Identifiers, and we can prove we could have stopped someone from using or accessing your Accounts without your permission if you had notified us, you could lose as much as $ If your statement shows transfers that you did not make, please notify us at once. If you do not notify us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we prove that we could have stopped someone from taking the money if you had notified us in time. 5

6 12. STOP PAYMENT ON CHECKS. You can place a stop payment using HOMEBanker SM Services and/or MOBILEBanker SM Services on any check issued by you and drawn on your Glenview State Bank checking account. It is your sole responsibility to verify that the check has not previously cleared your account by researching that item using all means available to you. Stop payment orders depend on your entering the correct check number. A stop payment order is effective for 365 days and you must renew the stop payment order if you want it to continue after 365 days. If you need to contact us immediately regarding a stop payment request, you should call the Bank at the telephone number set forth in Section 14 of this Agreement entitled How to Notify Us. If you place a stop payment on a check that has already cleared your account we will not be liable for your losses or damages. In no event shall we be liable for damages in excess of your actual loss due to our failure to place a stop payment order on the check you have identified, and we will not be liable for any consequential or other damages of the type described in Section 7 above. You agree to indemnify and hold us harmless from any and all claims, liabilities, costs and expenses, including, but not limited to, court costs and reasonable attorney fees, resulting from or arising in connection with our refusal to pay the identified check. Revocations of stop orders must be placed in writing and must be mailed to: Glenview State Bank Attn: Stop Payment Desk 800 Waukegan Road Glenview IL Please note that there is a different procedure to stop or change preauthorized bill payments that are scheduled using the Bill Payment Feature. See Section 2 of Schedule B for these procedures. 13. TERMINATING AUTOMATIC TRANSFERS. You must cancel at least one (1) Business Day in advance to stop an automatic transfer that you previously authorized using the HOMEBanker SM Services. The cancellation must be processed using the HOMEBanker SM Services or MOBILEBanker SM Services. 14. HOW TO NOTIFY US. If you believe you have had an unauthorized transaction/transfer on any of your Accounts or you believe that any of your Identifiers has been lost, misused or stolen or that someone has transferred or may transfer money from your Account without your permission, immediately call (847) or write: Glenview State Bank Attention: egsb/homebanker 800 Waukegan Road Glenview, Illinois You may also notify us by coming to the above address during Business Hours on Business Days (as defined in Section 1 above). 6

7 15. DAYS AND HOURS OF OPERATION FOR SERVICES. The Services generally are available all day, seven days a week except at times of Systems Unavailability, described below. However, we process transactions and update information only on Business Days. Any transaction(s), including scheduled payments, to be made on a day that is not a Business Day will be credited, completed, or made on the next Business Day. 16. SYSTEMS UNAVAILABILITY. The Services may be unavailable at certain times ( Systems Unavailability ), including but not limited to the following: 1. For certain brief periods during nightly processing, 2. When we determine that systems require maintenance or upgrades, 3. When we determine that unforeseen maintenance is necessary, 4. When third party service providers are unavailable; and 5. When major events occur, such as earthquakes, fires, floods, energy shortages, pandemics, severe weather conditions, acts of God, wars, riots, civil unrest, strikes and other labor interruptions, acts of terrorism or a public enemy, computer or communications failures, interruptions in telephone service, electrical outages or any other cause beyond the Bank s reasonable control. You agree that the Bank is in no way liable for the unavailability of any Services for any reason. In the event of a system failure or interruption, your data may be lost or destroyed. Any transaction that you initiated, were in the process of completing or completed shortly before the system failure or interruption should be verified by you through means other than online to ensure the accuracy and completeness of such transaction. You assume the risk of loss of your data during any system failure or interruption. 17. DISCLOSURE OF INFORMATION ABOUT YOU. We may disclose information to third parties about your Accounts or the transactions you make: 1. Where it is necessary for completing transactions. 2. In order to verify the existence and condition of one or more of your Accounts for a third party, including without limitation, a credit bureau, merchant or other payee. 3. In order to comply with government agency rules, regulations and requirements and or court orders or applicable laws. 4. If you give us your written permission. Except as prohibited by law, you agree that the Bank may share with its affiliated entities the information about you that you provide, or that the Bank obtains as a result of transactions or other activity, for among other things, the purpose of offering you products and services that you may find of interest. If you do not wish to receive telephone and/or mail solicitations, please notify us by writing to the address set forth in the How to Notify Us section of this Agreement. We will then remove your name from any mailing or telephone list used for this purpose. 18. WHAT TO DO IN CASE OF ERRORS OR QUESTIONS. Telephone us or write us at the number and address shown in the "How to Notify Us" (Section 14) of this Agreement as soon as you can if you think your statement is wrong or if you need more information about a transaction 7

8 listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. 1. Tell us your name and Account number (if any). 2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information. 3. 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 tell you the results of our investigation within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your Account within 10 Business Days for the amount you think is in error, so that you will have 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 recredit your Account. If we decide that there was no error, we will send you a written explanation within 3 Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. 19. BANK'S LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account on time and in the correct amount according to our other agreements with you and applicable rules and regulations, we may be held liable for your losses or damages, subject to the limitations set forth in Sections 6 and 7 above. However, there are some exceptions. For instance, we will not be liable: 1. If through no fault of ours, you do not have enough available funds in your Account to make the transfer. 2. If you use the wrong Identifiers or you have not properly followed any applicable instructions from the provider of your Devices and Connections or Bank user instructions for making transfer and bill payment transactions. 3. If any of your Devices and Connections fails, is unavailable or malfunctions or the Services were not properly working and such problem should have been apparent when you attempted such transaction. 4. If the funds in your Account are subject to legal process or another type of restriction on transfer. 5. If incomplete or inaccurate information is forwarded by the United States Treasury or through an automated clearing house. 6. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken. 7. If the error was caused by a system outside the Bank s control, such as your Internet service provider. 8. If there are other exceptions as established by the Bank from time to time. 8

9 20. TERMINATION OF SERVICES OR ACCESS. As standard practice, the Bank may deactivate your access to the Services after 180 days of inactivity. If such action is taken by us, we are not obliged to send you a notice of termination. To resume access after such deactivation, you will need to reapply for the Services, including the selection of Identifiers. We also may at any time, at our sole discretion, limit, suspend, modify or terminate the Services, and may at any time terminate access to your Accounts by use of the Services for any reason. If such action is taken by us, we will try to notify you in advance, but we are not obliged to do so. You may cancel this Agreement and your use of the Services at any time by notifying the Bank as described in the How To Notify Us section of the Agreement. Notice of termination may take up to thirty (30) days to fully process, so you should also cancel any transfer orders or other transactions previously authorized in addition to notifying us that you wish to terminate access to the Services. We will not be liable for any transfers or other transactions during the thirty (30) day period that you have not separately terminated in accordance with the terms of this Agreement. If you terminate use of the Services, such termination will terminate this Agreement but will not affect the rights and responsibilities of the parties under this Agreement with respect to acts and omissions prior to the effective date of such termination. Termination of the Services will not terminate your Accounts with the Bank. 21. CHANGES IN TERMS AND FEES. The Bank may change the Services and the terms and conditions (including fees) set forth in this Agreement at any time. You will be notified of any such changes as required by applicable law, either by mail or by an electronic message posted on the Site except that notice of fee changes will always be mailed. You understand and agree that by using the Services after a change becomes effective, you have agreed to the change(s). Any amendment, modification or rescission made in the manner described above shall be binding upon you as though expressly agreed to by you. If written notice is mailed to you, it shall be mailed to your last known address as shown on the Bank's records. 22. LINKS TO THIRD PARTY WEB SITES. The Site and the Services may contain links to other third party web sites. We are not responsible for, nor do we control, the content, products, or services provided by linked sites. We do not endorse, sponsor or guarantee the products, information or recommendations provided by linked sites and are not liable for any failure of or defects in their products or services. Such other third party sites may provide less security than we do and have privacy policies different than ours. Your access, use and reliance on such sites and their products or services are at your own risk. 23. ENFORCEMENT; GOVERNING LAW. You agree to be liable to the Bank for any liability, loss or expense (including reasonable attorney s fees) that the Bank incurs as a result of any improper use or dispute involving your Accounts or use of the Services other than as expressly permitted by this Agreement. You authorize the Bank to deduct any aforementioned liability, loss or expense from your Accounts without prior notice. This Agreement shall be governed by the laws of the State of Illinois and, to the extent applicable, by the laws of the United States. 9

10 Schedule A Personal Xpress Deposit Services Feature Personal Xpress Deposit Services are designed to allow you to make deposits of certain checks ( original checks ) to your Accounts at Glenview State Bank ( we, us or the Bank ) from home or other remote locations by using the camera capability in your mobile device, and delivering the digital images and associated deposit information ( images ) to us or our processor with your mobile device. After you download the Bank s MOBILEBanker app with respect to your selected Account(s), you may apply for Personal Xpress Deposit Services on your mobile device by selecting the deposit function on your mobile device. By taking this action, you will have accepted and agreed to the terms of the Personal HOMEBanker SM, MOBILEBanker SM and Personal Xpress Deposit Services Agreement and Disclosure Statement and this Schedule A to which it is attached. To the extent that there is any conflict or inconsistency between the terms of Schedule A and any other provision of the Agreement, the terms of Schedule A shall take precedence and control to the extent of such conflict or inconsistency but only with respect to the Personal Xpress Deposit Services. Limits. Deposits made with Personal Xpress Deposit Services are limited in amount to $7,500 per day. These limits are subject to change at any time. Eligible items. You agree to utilize your mobile device s camera to deposit only checks (i.e., drafts drawn on a bank, savings and loan or credit union and payable on demand) that are payable in U.S. Dollars. You agree that you will not use Personal Xpress Deposit to deposit: Cashier s checks, money orders or travelers cheques Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). Checks payable to you and another party who is not a joint owner of the Account in which you would like to have them deposited. Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. Requirements. Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying financial institution that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. 10

11 Endorsements must be made on the back of the check within 1½ inches from the top edge, although we may accept endorsements outside this space. Your endorsement must include your signature and For Mobile Deposit at Glenview State Bank Only. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. In addition, a check payable to two joint owners must be endorsed as follows: If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you AND your joint owner, BOTH of you must endorse the check. Checks payable to you and a payee who is not a joint owner of the Account may not be processed through Personal Xpress Deposit. In addition, the checks must meet the date and other requirements for deposit under the Account Agreements. Receipt of Deposit. All images of checks processed for deposit through Personal Xpress Deposit Services will be treated as deposits under your current Account Agreement with us and will be subject to all terms of the Account Agreements except as otherwise provided herein. When we receive an image, we will confirm receipt via to you. After we receive the deposit and agree to process it ( Accepted ), we will notify you via . We shall not be deemed to have received the image for deposit until we have confirmed receipt to you and Accepted the deposit. Confirmation of receipt and having Accepted the image does not mean that the image contains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a substitute check or clearing the item as an image. We reserve the right, at our sole and absolute discretion, to reject any image for remote deposit into your Account. We will not be liable for doing so even if such action causes outstanding checks or other debits to your Account to be dishonored and returned. We will notify you of rejected images. Original checks. After you receive confirmation that we have received an image, you must securely store the original check for 90 days after transmission to us and make the original check accessible to us at our request. Upon our request from time to time, you will deliver to us within two business days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your Account. Promptly after such 90 day period expires, you must destroy the original check by first marking it VOID and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that after the Item has been submitted for deposit using Personal Xpress Deposit Services, you shall not re-present, otherwise transfer or negotiate the original item, substitute check or any other image thereof. You further agree that you shall be solely responsible for the original item, including storage, retrieval and destruction. You understand that you are responsible if anyone is asked to make a payment based on an original check that you deposited using Personal Xpress Deposit that has already been paid. 11

12 You agree that the electronic image of the item or any substitute check, as defined by federal law, will become the legal representation of the item for all purposes, including return items processing. Provisional Credit; Returned Deposits. Any credit to your Account for checks deposited using Personal Xpress Deposit is provisional. If checks deposited through Personal Xpress Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the check and provide you with an image of the original check based on what you initially provided, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. You will not deposit or otherwise endorse to a third party the original check or a paper or electronic representation of it and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. There are no other duplicate images of the original check. The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. You are authorized to enforce and obtain payment of the original check. You have and will retain possession of the original check until destroyed as required herein and no party will submit the original check for payment. You will only transmit items that originated as paper items. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Personal Xpress Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with 12

13 applicable laws, rules and regulations and not in violation of any foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority Personal Xpress Deposit Unavailability. Personal Xpress Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Personal Xpress Deposit is unavailable, you may deposit original checks at our branches, through our ATMs, or by mailing the original check to: Glenview State Bank, 800 Waukegan Road, Glenview, IL Funds Availability. For purposes of funds availability, Personal Xpress Deposits are deemed to be made in Glenview, Illinois. Personal Xpress Deposits confirmed as received and Accepted before 5 PM CST (Monday through Friday) or 1 PM CST (Saturday), on a Business Day will be credited to your Account the same day by 7 PM CST. Deposits confirmed as received and Accepted after these time periods and deposits confirmed as received and Accepted on holidays or days that are not our Business Days will be credited to your Account on the following Business Day by 7 PM. Funds will be available as described in our Funds Availability Disclosure. Personal Xpress Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone at or with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such auditing and monitoring, to confirm that you have satisfied your obligations under this Agreement. You agree to cooperate and provide information or documents, at your expense, as may be reasonably requested by us in the course of such auditing and monitoring. Your Responsibility. You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image of the check to be deposited. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if Personal Xpress Deposit is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us. You are solely responsible if your mobile device is stolen or accessed without authorization. In addition, you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners, including but not limited to, Q2ebanking, Inc. and Ensenta, retain all rights, title and interests in and to the Services, software and development made available to you. Accountholder s Indemnification Obligation. You understand and agree that you are required to indemnify us and hold us harmless against any and all claims, actions, damages, 13

14 liabilities, costs, and expenses, including reasonable attorneys fees and expenses arising from your use of the Services and/or breach of this Agreement or applicable laws or regulations including, without limitation, any negligent or intentional act or omission by you or anyone you have authorized such as duplicate scanning of the same original item, transmission of duplicate items, calculation errors of deposit totals, numerical errors on deposit data entry and fraudulent or unauthorized use of your Devices, Connections and/or Identifiers. You understand and agree that this paragraph shall survive the termination of this Agreement. You understand and agree that you are required to indemnify our technology partners, including but not limited to Q2ebanking, Inc. and Ensenta, and hold harmless Q2ebanking, Inc., its affiliates, officers, employees and agents, as well as Ensenta, its affiliates, officers, employees, and agents, from and against any third party claims, suits, proceedings, actions or demands, including but not limited to claims of another financial institution, business entity or governmental authority, and all losses, liabilities, damages, fines, penalties, costs and expenses, including court costs and reasonable attorney fees and expenses, arising from such claims, to the extent such claim is related to the Bank or your use of the Services, Q2ebanking Inc. or Ensenta applications, unless such claim directly results from an action or omission made by Q2ebanking, Inc. and Ensenta in bad faith. You understand and agree that this paragraph shall survive the termination of this Agreement. DISCLAIMER OF WARRANTIES. YOU AGREE THAT YOUR USE OF PERSONAL XPRESS DEPOSIT SERVICES OR ANY OTHER REMOTE BANKING SERVICE AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN AS IS AND AS AVAILABLE BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF PERSONAL XPRESS DEPOSIT SERVICES OR ANY OTHER REMOTE BANKING SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT PERSONAL XPRESS DEPOSIT SERVICES OR ANY OTHER REMOTE BANKING SERVICE WILL MEET YOUR REQUIREMENTS OR WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE MAKE NO WARRANTY THAT THE RESULTS THAT MAY BE OBTAINED WILL BE ACCURATE OR RELIABLE OR THAT ANY ERRORS IN ANY REMOTE BANKING SERVICE OR TECHNOLOGY WILL BE CORRECTED. LIMITATION OF LIABILITY. THE LIMITATION OF LIABILITY PROVISIONS INCLUDED IN THE AGREEMENTS ALSO APPLY TO THE PERSONAL XPRESS DEPOSIT SERVICES HEREUNDER. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF ANY REMOTE BANKING SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF, EXCEPT AS OTHERWISE REQUIRED BY LAW 14

15 Financial Information. You must inform us immediately of any change in any of the information relevant to your use of Personal Xpress Deposit and provide us with any financial information we reasonably request in connection with Personal Xpress Deposit. You authorize us to review your history and monitor your use of Personal Xpress Deposit when we deem it appropriate to help assure compliance with the Account Agreements and applicable laws and regulations. Account Agreements. The Personal Xpress Deposit services and all transactions using such services are also subject to the Account Agreements; provided, however, that in the event of any conflict or inconsistency between the Account Agreements and terms applicable to Personal Xpress Deposit, the terms applicable to Personal Xpress Deposit shall control to the extent of such conflict or inconsistency. Schedule B Bill Payment Feature 1. BILL PAYMENT. The HOMEBanker SM Services and MOBILEBanker SM Services include access to the Bill Payment Feature described in this Schedule. The Bill Payment Feature enables you to make payments on your current, future or recurring bills from any of your eligible checking Accounts to any payees you choose (to the extent there are available funds in your designated Account for the FULL payment amount). Before the initial payment to a payee is made, you must provide to us the name and address of your payee and information about your account with that payee. Unless your payee has agreed to accept electronic payments, a check will be mailed to the address you give us. You are responsible for providing the correct address and other relevant information as indicated in the payee s invoice or other payment request document. As used herein, Fed Operating Day means a Business Day which is not a Federal holiday and on which the Federal Reserve System is operating. Payment requests made after 8 P.M. Central time will not begin to be processed until the next Fed Operating Day. When we receive an instruction from you for a bill payment on a future Fed Operating Day (a "Payment Date"), we will begin the payment process on the Payment Date. IMPORTANT NOTE: PAYMENTS MADE THROUGH THE BILL PAYMENT FEATURE REQUIRE SUFFICIENT TIME FOR YOUR PAYEE TO CREDIT YOUR ACCOUNT PROPERLY. TO AVOID IMPOSITION OF A FINANCE CHARGE OR OTHER CHARGES BY THE PAYEE, YOU MUST PROCESS YOUR PAYMENTS ON A DATE WHICH IS SUFFICIENTLY IN ADVANCE OF THE DUE DATE OF YOUR PAYMENT. PAYMENTS GENERALLY SHOULD BE SCHEDULED SO THE PAYMENT DATE IS AT LEAST SEVEN (7) FED OPERATING DAYS PRIOR TO THE PAYMENT DUE DATE OR FIVE (5) FED OPERATING DAYS PRIOR TO THE PAYMENT DUE DATE FOR ANY PAYEE THAT WILL ACCEPT ELECTRONIC DELIVERY. ONCE A BILL PAYMENT DATE IS SELECTED, WE WILL PROVIDE YOU WITH A RANGE OF POSSIBLE PAYMENT DATES, STARTING WITH THE EARLIEST POSSIBLE FED OPERATING DAY AND ENDING WITH THE LATEST POSSIBLE FED OPERATING DAY THAT THE PAYMENT IS EXPECTED TO ARRIVE. EXCEPT TO THE EXTENT PROVIDED IN SECTION 2 BELOW, WE WILL NOT BE RESPONSIBLE FOR ANY CHARGES IMPOSED OR OTHER ACTION TAKEN BY A PAYEE RESULTING FROM LATE PAYMENT, UNLESS YOU CAN PROVE THAT YOU INPUT THE PROPER PAYMENT INFORMATION FOR YOUR ACCOUNT 15

16 WITH THE PAYEE, THAT YOU HAD SUFFICIENT FUNDS IN YOUR ACCOUNT TO COVER THE PAYMENT AND THAT THE PAYMENT WAS NOT MAILED IN TIME TO ARRIVE AT THE PAYEE BY THE GUARANTEED PAYMENT DATE. ANY SUCH RESPONSIBILITY SHALL BE SUBJECT TO THE LIMITATATIONS AND EXCLUSIONS SET FORTH IN THE AGREEMENT TO WHICH THIS SCHEDULE IS ATTACHED. 2. STOP OR CHANGED PREAUTHORIZED BILL PAYMENTS. If you have authorized bill payments to be made from one of your Accounts under the Bill Payment Feature, you can stop or change any scheduled payment as long as the payment process for that particular payment has not begun. You may cancel, reschedule or change the amount of any payment using the Bill Payment Feature prior to 8 P.M. on the Fed Operating Day preceding the Payment Date. Instructions to stop or change a payment on the Payment Date must be given to us by phone or in writing at the number or address shown in Section 12 of the Agreement to which this Schedule is attached. If the payment process has already begun, we cannot guarantee that we can successfully stop the payment. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call, as your oral stop payment order will not be binding on us after 14 days. We will also charge you for each stop payment you order under the Bill Payment Feature, in accordance with the Bank's Banking Fee Schedule for Accounts and Services. If you order us to stop a scheduled payment three or more Fed Operating Days before the Payment Date, and we do not do so, we will be liable for your losses or damages. 3. NO LIABILITY FOR CERTAIN PAYEES. Although payments to the following types of payees may be scheduled through the Bill Payment Feature, such payments are discouraged and are scheduled by you entirely at your own risk. IN NO EVENT WILL WE BE LIABLE FOR ANY CLAIMS OR DAMAGES THAT MAY RESULT IF YOU SCHEDULE PAYMENTS TO THE FOLLOWING PAYEES: Payees outside of the United States, including Canada; Payees to U.S. Territories; Tax payments; Government agencies, or Court ordered payments (such as child support payments or traffic tickets) We have no obligation to research or resolve any claim that may result from these types of payments, nor are we responsible for any late payment-related charges when these types of payments are scheduled and/or processed through the Bill Payment Feature. All research and resolution for any misapplied, misposted or misdirected payments will be your sole responsibility. 4. ASSUMPTION OF RISK. We have no duty to monitor the online transfers or payments that you make. You assume the entire risk of using the Bill Payment Feature properly to ensure that funds are transferred and bills are paid properly and timely. We will not be responsible for any charges imposed or any other action taken by a payee resulting from a bill payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through whom any bill payment is made fails to transmit the payment or the payment instruction properly to the intended payee, or if the payee or its bank fails to transmit a payment instruction or record a bill payment properly. 16