North Shore Trust and Savings E Sign Act Disclosure Online / Mobile Banking Agreement and Electronic Funds Transfer (EFT) Disclosure

Transcription

1 Please take a few minutes t read this User Agreement. When yu're ready, click the I Agree buttn t start enjying the cnvenience and financial security f ESB Online Nrth Shre Trust and Savings E Sign Act Disclsure Online / Mbile Banking Agreement and Electrnic Funds Transfer (EFT) Disclsure E-Sign Act Disclsure The Electrnic Signatures in Glbal and Natinal Cmmerce Act (E-Sign Act) requires yur cnsent t receive electrnically the Nrth Shre Trust and Savings Online Banking Agreement and Electrnic Funds Transfer (EFT) Disclsure befre prceeding with establishing Nrth Shre Trust and Savings ibanking Online service. By clicking the "I Agree" buttn at the bttm f this page, yu are cnsenting t receiving these disclsures electrnically fr this request. Yur cnsent pertains t this transactin nly and des nt include any ther disclsures the bank may need t prvide yu. Yu d have the right t receive a paper versin f these disclsures and may cntact us by t request a paper cpy. If yu d nt want t cnsent t electrnically receiving Nrth Shre Trust and Savings Online Banking Agreement and Electrnic Funds Transfer (EFT) Disclsure, yu shuld exit this frm, and visit ne f ur branches. Nrth Shre Trust and Savings Online Banking Agreement and Electrnic Funds Transfer (EFT) Disclsure Nrth Shre Trust and Savings is pleased t prvide yu the Online Banking service t meet yur banking needs. This agreement cntains the terms and cnditins under which we will prvide Online Banking Services t yu. This agreement is in additin t yur ther agreements with Nrth Shre Trust and Savings, such as yur Prduct and Accunt disclsure, the fee schedules, and any credit agreements yu have with us. If there is a cnflict between the terms and cnditins f this agreement and ne cntained in the ther agreements between yu and us, this agreement will take precedence. Federal and Illinis law requires that cnsumers wh make use f a Bank's electrnic funds transfer services receive the disclsures cntained in this agreement befre using the service. Use f Nrth Shre Trust and Savings nline services as defined belw are gverned by the terms and cnditins established frm time t time by the Bank and utlined in this Disclsure. Please read it carefully and print a cpy t keep it with yur recrds. In this agreement, the terms "financial institutin", "bank", "we", "us" and "ur" refer t Nrth Shre Trust and Savings. The terms "yu" r "yur"" refer t the persn(s) r authrized signers n the accunt, authrized user (whether express r implied) r any individual issued a User ID and Passwrd. If yu have any questins abut these services, please call Nrth Shre Trust and Savings at and ask t speak with a Custmer Service Representative, r stp by any Nrth Shre Trust and Savings ffice. If yu have any technical questins abut using ibanking, yu can reach us fr assistance Mnday Friday, 9:00am 5:00pm by calling

2 Online Banking Equipment We are nt respnsible fr any errrs r failures caused by any malfunctin f yur device and we are nt respnsible fr any virus r related prblems that may be assciated with the use f yur device. Yu are als respnsible fr any telephne r internet charges incurred in cnnecting t yur Internet Service Prvider (ISP) that gives yu access t the Internet. Acceptance f This Agreement Nrth Shre Trust and Savings ibanking is available ver the Internet using yur passwrd, User ID and yur persnal cmputer r mbile device t perfrm transactins nted in this disclsure. By clicking the "I Agree" buttn belw yu are agreeing t the terms and cnditins f this agreement and disclsure and the electrnic delivery f these disclsures. Yu are als agreeing that any cmmunicatin frm us t yu, including any disclsures r ther infrmatin required t be delivered in writing under applicable law, may be delivered t yu in electrnic frm and that such electrnic cmmunicatin shall be in lieu f written cmmunicatin. This includes electrnic delivery f changes in terms ntices affecting yur use f Nrth Shre Trust and Savings Online. Yu agree that the use f yur Nrth Shre Trust and Savings Online system and yur passwrd is yur signature authrizatin fr any payments r transfers. Each time yu enter yur User ID and passwrd, yu are authrizing us t prcess yur request. Business days Fr the purpse f this agreement, ur business days are Mnday thrugh Friday. Hlidays are nt included. Accessible Accunts Yu may access accunt and transactin infrmatin and cnduct electrnic banking transfers with an Nrth Shre Trust and Savings Checking accunt, Mney Market accunt r Statement Savings accunt type. Bill payment may be cnducted with any Nrth Shre Trust and Savings Checking accunt type. Yu may designate a Passbk savings accunt r a Certificate f Depsit as "View Only" accunts. Yu may als access accunt and transactin infrmatin and make payments t yur Nrth Shre Trust and Savings lan accunts. Online Banking Services (ibanking) The Online Banking services gives yu access t: Accunt Balance and transactin Infrmatin. Transfer Funds between yur Nrth Shre Trust and Savings accunts Payments applied t yur Nrth Shre Trust and Savings lan accunts Advances frm yur Nrth Shre Trust and Savings Line f Credit accunts Interbank Transfers Bill Payment t a third party via check r electrnic transactin Electrnic Statement Delivery Balance Alerts Manage yur Nrth Shre Trust and Savings debit card Accunt balance and Transactin Infrmatin The accunt infrmatin yu access via Nrth Shre Trust and Savings Online Banking will generally be current as f the Business Day yu btain the infrmatin, unless anther time is specified. Infrmatin is available fr yur bank accunt(s) fr up t 180 days.

3 Yu may access yur accunt(s) by the internet at r the imbile Applicatin available fr Apple and Andrid mbile phnes and by using yur passwrd and user ID. Transfers between Nrth Shre Trust and Savings Accunts Yu have the ability t set up a ne time r schedule reccurring transfers up t 365 days in advance. Transfer f funds are permitted between yur Nrth Shre Trust and Savings checking and statement savings accunts, and t make Nrth Shre Trust and Savings lan payments using yur passwrd, persnal r ffice cmputer, mbile device and the Nrth Shre Trust and Savings Online Banking system thrugh the Internet. Yu may access yur accunt(s) by the internet at r the imbile Applicatin available fr Apple and Andrid mbile phnes and by using yur passwrd and user ID t: transfer funds frm checking t checking transfer funds frm checking t statement savings transfer funds frm statement savings t checking transfer funds frm statement savings t statement savings yu may transfer n mre than $10,000 r the available balance in yur accunt whichever is less make payments frm a checking r statement savings t lan accunts with us advance funds frm a line f credit t a checking r statement savings If yu wish t cancel a recurring transfer, yu must cancel the transfer befre 12:00 midnight the night befre the scheduled initiatin date that the transfer ccurs. Statement Savings and Mney Market Statement Type Accunt Limitatins Please nte that fr any Statement Savings, including Mney Market statement type accunt(s), yu may make as many in- persn withdrawals as yu wish, but Federal law limits the number f telephne and/r third (3rd) party electrnic fund transfers frm yur accunt t n mre than six (6) per statement cycle. This limit includes thse cnducted by 24 Hur Telephne transfers, Nrth Shre Trust and Savings Online Banking, checks, POS transactins, verdraft prtectin transfers, ACH transactins, nline bill payments and nline transfers. Bill Payment If yu have chsen this ptin, yu may make payments frm a checking accunt(s) yu have designated fr bill payment. Yur payments will be made either electrnically t the persn r business yu are paying (the "payee") r by sending the payee a paper check. The Bill Payment system will shw the "Send On" date and "Deliver By" date f the payment n the screen. Yu shuld schedule payments in advance t ensure the delivery date is n r befre the payment due date. Yu cannt use the bill paying functin fr payments t certain entities as described in the Payment Guarantee sectin belw. While mst payees can be paid by using the bill payment feature, we reserve the right t refuse t pay certain payees. Yu agree that payment transactins executed thrugh an autmated clearinghuse will be subject t the rules f the Natinal Autmated Clearinghuse Assciatin (NACHA). "Send On" Date Vs. "Deliver By" Date: When scheduling a bill payment, nte the difference between the "SEND ON" date and the "DELIVER BY" date. The "SEND ON" date is the date we will attempt t deduct the payment amunt frm yur designated accunt. If the attempted deductin fails because yu did nt have enugh funds in yur primary accunt, we will send yu an indicating this situatin. If the secnd attempted deductin is nt successful, the transactin will be cancelled and yu will be respnsible fr rescheduling. If the secnd attempted deductin is successful, the payment will be

4 prcessed and remitted t the payee, hwever the "DELIVER BY" date will be ne business day later. If yu receive an because the first attempted deductin was nt successful, yu shuld access Nrth Shre Trust and Savings Online Banking t determine the date f the secnd deductin attempt. If yu schedule a payment with the "SEND ON" date as the current date, yu must have adequate funds in yur accunt at the time the payment is scheduled. The funds will be deducted shrtly after yu lg ut f the sessin. If yu schedule a payment with the "SEND ON" date in the future, there must be adequate funds in yur accunt when we attempt the deductin. This can ccur anytime between 12:01 am and 4:00 pm EST. The "DELIVER BY" date is the date that yu can expect the payee t receive yur payment. The "DELIVER BY" date fr yur payment shuld be n later than the due date the payee has indicated fr the payment. Bill Payment Transactin Limits: Nrth Shre Trust and Savings Online Banking Bill Pay has a per transactin limit up t $10,000 r yur available accunt balance, whichever is less. Cancelling Bill Payments: We may cancel a bill payment if we have reasnable belief that the payment is fraudulent. If we cancel a payment, we will attempt t cntact yu t infrm yu f this actin. Yu may cancel an utstanding bill payment at any time thrugh Nrth Shre Trust and Savings Online Banking. Bill payments are cnsidered utstanding until the "SEND ON" date. A "Reccurring" transactin may be cancelled r changed up until 12:00 midnight f the night befre the "SEND ON" date f the transactin. Payment Guarantee: If a prperly scheduled payment is nt received and psted n time by the payee, we will attempt t have any late fees r assessed finance charges remved. (Finance charges are calculated based n yur payment amunt rather than yur entire balance.) If the payee is unwilling r unable t remve them, we will pay the fees and finance charges directly t the payee. In additin, we will attempt t have yur accunt nted apprpriately t ensure that the situatin des nt negatively impact yur credit rating. (NOTE: Please refer t yur Electrnic Funds Transfer Disclsure fr imprtant infrmatin n the limitatins f reimbursable fees and finance charges.) The Payment Guarantee applies t late fees and/r finance charges assciated with the late psting f a payment, prvided that the fllwing cnditins are met: 1. The payment was scheduled t be delivered n r befre the due date f yur bill, excluding any grace perids. (The ne exceptin t this guideline is that mrtgage payments may be scheduled s that the payment is sent n r befre the due date, excluding grace perids. Fr example, a mrtgage payment due n July 1st, with a 15-day grace perid, must have a "Send On" date n later than July 1st. 2. The payment amunt did nt exceed the $10,000 transactin limit. 3. The payment was nt made t an excluded payee: Payments that failed due t insufficient funds r ther reasns Payments t payees lcated in the Armed Frces Pstal Cdes such as AE & AP Payments t settle securities transactins Payments t pay ff special r delayed financing fr purchases Payments t credit cunseling agencies wh pay creditrs n yur behalf 4. The payment was nt made t a prhibited payee. Payments t the fllwing payees are nt permitted thrugh this service:

5 Payments t payees utside f the United States Curt-rdered payments such as alimny, child supprt, speeding tickets, etc. Tax entities Cllectin agencies 5. If a payment t a prhibited payee is inadvertently prcessed, the payment guarantee utlined abve des nt apply t that payment, and we reserve the right t nt prcess a payment t that payee in the future. 6. The infrmatin supplied by yu is crrect (payee name and address, yur name and accunt number as it appears n the payee's recrds). Mbile Banking (imbile) Yu have the ptin f accessing Nrth Shre Trust and Savings Online Banking thrugh a web brwser n yur mbile device. When using a mbile device, yu shuld dwnlad ur imbile applicatin fr Apple and Andrid smartphnes s yu may: Review accunt balances, accunt details and transactin histry Schedule ne-time bill payments Make ne-time funds transfers between Nrth Shre Trust and Savings accunts Manage yur Nrth Shre Trust and Savings debit card Yu will nt be able t access all f the functins/services that are accessible with a persnal cmputer. Examples include, but are nt limited: Edit r Create Payees Schedule recurring bill payments Schedule recurring transfers View estatements Check rdering Create Alerts Receipt f accunt infrmatin thrugh Mbile Banking may be delayed r impacted by factr(s) pertaining t yur phne carrier r ther parties utside f ur cntrl. Yu are als respnsible fr any telephne r internet service fees incurred in cnnecting t yur Internet Service Prvider (ISP) that gives yu access t the Internet. We will nt be liable fr lsses r damages caused in whle r in part by yur actins r missins that result in any disclsure f accunt infrmatin t third parties. Als, nthing abut Mbile Banking creates any new r different liability fr us beynd what is already applicable under yur existing accunt agreements. STOPPING PRE-AUTHORIZED PAYMENTS UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS. THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES (SUCH AS DEBIT CARD AND ONLINE BANKING) UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. If yu tld us in advance t make a regular payment t a third party ut f yur accunt, yu can stp any f these payments. Here's hw: call Nrth Shre Trust and Savings at t speak with the a Custmer Service Representative, Mnday Friday 8:00am 5:00pm, r write t us at Nrth Shre Trust

6 and Savings, 700 S. Lewis Avenue Waukegan IL in time fr us t receive yur request at least three (3) business days r mre befre the payment is scheduled t be made. If yu call, we als request receipt f the request in writing within 14 days f initial inquiry. We will charge ur standard Checking accunt stp payment fee in effect at the time the stp payment has been placed. Refer t ur separate fee schedule fr the amunt we will charge yu fr each stp payment rder yu place. The initiatin by yu f certain electrnic fund transfers frm yur accunt will, except as therwise prvided in this agreement, effectively eliminate yur ability t stp payment f the transfer. If yu rder us t stp ne f these payments three (3) business days r mre befre the transfer is scheduled and we fail t d s, we will be liable fr yur lsses r damages. If these regular payments may vary in amunt, the persn yu are ging t pay shuld tell yu, ten (10) days befre each payment, when it will be made r hw much it will be. Yu may chse instead t get this ntice nly when the payment wuld differ by mre than a certain amunt frm the previus payment, r when the amunt wuld fall utside a certain limit. Yu may set these certain amunts r limits at any amunt yu desire. Liability fr Failure t Make Online Transfers r Payments If we d nt cmplete a transfer t r frm yur accunt r a payment n time r in the crrect amunt accrding t yur instructins and in accrdance with this Agreement and Disclsure, we will be liable fr yur lsses r damages. Hwever, there are sme exceptins. We will nt be liable in the fllwing situatins: Any ther specific exceptins stated in ur agreement with yu and listed belw; If, thrugh n fault f urs, yu d nt have enugh mney in yur accunt t make the transfer r payment; If the transfer r payment will exceed yur available balance; If the system was nt wrking prperly and yu knew abut the break-dwn when yu started the transfer r payment; If circumstances beynd ur cntrl (such as fire and fld) prevent the transfer r payment, despite reasnable pre- cautins that we have taken; If the funds are subject t legal prcess r ther encumbrance restricting such transfer r payment; If the transfer was attempted against a passbk type f accunt; If we have a reasnable basis fr believing that an unauthrized use f yur User ID and/r Passwrd, r designated accunt have ccurred r may be ccurring r if yu default under any agreement with us r if yu r the Bank terminates this Agreement; The payee des nt prcess a payment crrectly r in a timely manner; If yu negligently r intentinally share yur user ID and passwrd, r yu d nt reprt immediately any knwn theft f yur user ID and/r passwrd, leading t unauthrized access t accunts; If yu leave yur device unattended in the middle f a banking sessin and that results in unauthrized access t yur accunt(s); If yu d nt sign-ff after cmpleting yur banking sessin befre visiting ther Internet sites; If yur input errr is the cause f a prblem; If there are pstal delays that result in a payee nt crediting yur payment prmptly; Fr direct, indirect, incidental, special, cnsequential, ecnmic r ther damages arising ut f the use f Nrth Shre Trust and Saving Online Banking, including the Bill Payment service; Fr lss, prperty damage r bdily injury, whether caused by the equipment, sftware, Bank, Internet brwser r Internet access prvider; There may be ther exceptins stated in ur ther agreements with yu.

7 If any f the circumstances listed immediately abve ccur, we will make a reasnable effrt t take apprpriate crrective actin r t reprcess the transactins that may nt have been cmpleted r t crrect transactins that have incrrectly been prcessed. Dcumentatin and Verificatin f Transfers and Payments 1. Cnfirmatin Numbers: Upn cmpletin f a transfer r bill payment using Nrth Shre Trust and Savings Online Banking, yu will be given a cnfirmatin number. Yu shuld recrd this number, alng with the payee, scheduled date and transactin amunt in yur checkbk register (r ther permanent recrd), because this will help in reslving any prblems that may ccur. N printed receipts are issued thrugh Nrth Shre Trust and Savings Online r Mbile Banking. 2. Peridic Accunt Statement: Yu will get a mnthly accunt statement frm us fr yur checking, Mney Market and Statement Savings accunts. Any transfers r bill payments cnducted n the Internet thrugh the Online r Mbile Banking service will appear n yur accunt statement. Fr passbks accunts, if the nly pssible electrnic transfers t r frm yur accunt are preauthrized credits, we d nt send peridic statements. Yu may bring yur passbk t any cnvenient branch lcatin and we will recrd any electrnic depsits that were made since the last time yur passbk was updated. Ntificatin f Unauthrized Transactins r a Lst r Stlen Access Device Tell us AT ONCE if yu believe yur User ID and/r yur Passwrd has becme knwn by an unauthrized persn r smene has transferred mney r made payments withut yur permissin, immediately call Nrth Shre Trust and Savings at t speak with a Custmer Service Representative, Mnday - Friday between the hurs f 8:00am and 5:00pm, r write t us at Nrth Shre Trust and Savings, 700 S. Lewis Ave Waukegan IL Nte: In rder t minimize the risk f lss, we strngly suggest that yu call us immediately and then cnfirm in writing. Unless yu have been grssly negligent r have engaged in fraud, yu can lse n mre than $50.00 if yu fail t give us ntice f yur lst r stlen User Id and passwrd is used withut yur permissin IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: In case f errrs r questins abut yur electrnic transfers, including Direct Depsit, ATM transactins, Debit Card transactins, 24 Hur Telephne transactins, Online r Mbile transactins and /r preauthrized payments, call Nrth Shre Trust and Savings at t speak with a Custmer Service Representative, Mnday - Friday between the hurs f 8:00am and 5:00pm, r write t us at Nrth Shre Trust and Savings, 700 S. Lewis Ave Waukegan IL 60085, ATTN: Depsit Operatins Department, prmptly if yu think yur statement r receipt is wrng r if yu need mre infrmatin abut a transfer listed in yur statement r receipt. We must hear frm yu n later than sixty (60) days after we sent yu the FIRST statement n which the prblem r errr appeared. Be prepared t prvide us with the fllwing infrmatin: Prvide us with: yur name and accunt number. a descriptin f the errr r the transfer yu think is incrrect and clearly explain why yu believe it is an errr r why yu need mre infrmatin. the dllar amunt f the suspected errr. If yu ntify us rally, we will require yu t send us yur cmplaint r questin in writing within ten (10) business days fllwing the date that yu ntified us. We will reprt t yu the results f ur investigatin within ten (10) calendar days (5 business days fr Debit card pint f sale transactins) fllwing the date yu ntified us. We will crrect any errr prmptly. If we need mre time, hwever,

8 we may take up t frty-five (45) calendar days t investigate yur cmplaint r questin fllwing the date yu ntified us. If we decide t use mre time t investigate, within ten (10) calendar days (5 business days fr Debit card pint f sale transactins) fllwing the date yu ntified us, we will prvisinally credit yur accunt fr the amunt yu think is in errr s that yu will have the use f the mney during the time it takes t cmplete ur investigatin. If we d nt receive yur cmplaint r questin in writing within ten (10) business days, we may nt re- credit yur accunt. We will tell yu the results within three business days after cmpleting ur investigatin. If we decide that there was n errr, we will send yu a written explanatin. Yu may ask fr cpies f the dcuments that we used in ur investigatin, and we must make these available t yu fr inspectin. Fr a reasnable fee cvering ur duplicatin csts, we will prvide yu with cpies f any such dcuments which yu request if yur alleged errr cncerns a transfer t r frm a third party (fr example, a Scial Security payment), ur investigatin may be limited t a review f ur wn recrds if we decide that there was n errr, yu may want t cntact such third party t pursue the matter further. Overdrawing Yur Accunt Yur accunt may becme verdrawn if items are presented fr payment ttaling mre than the amunt f funds in yur accunt. Bill payments and scheduled transfers lk at the available balance at the time the transactin is prcessed. Yur available balance may nt take int cnsideratin checks yu have written r Debit card transactins which have nt yet psted t yur accunt. If an verdraft in yur accunt des ccur, yu will pay the full amunt f the verdraft and assciated fees t the Bank immediately upn request and the current fee fr verdrafts. Nrth Shre Trust and Savings ffers several ways t limit the amunt yu pay in verdraft fees. Yu can apply fr an Overdraft Line f Credit r establish an autmatic Overdraft Sweep frm anther accunt. Cntact a Custmer Service Representative t learn mre abut these prducts. Fees Yur depsit accunt(s) may be subject t certain minimum balance requirements t avid mnthly maintenance charges. Fr details, see the Truth in Savings disclsures given t yu when yu pened yur accunt. If yu have an Overdraft Line f Credit, yu will be assessed a Finance Charge n any cash advances made n yur credit line as prvided in yur Overdraft Line f Credit Accunt Agreement yu signed when yu establishing yur Overdraft Line f Credit. These charges are subject t change by us. Autmatic Overdraft Sweep transfers mney frm a designated accunt when yur checking accunt falls belw zer. Transfers are made in $100 increments, up t the available balance f the designated accunt. There is a fee fr each autmatic transfer, and it is still pssible that yu may be verdraft if there is nt enugh available in the designated accunt t cver the deficiency in yur checking accunt. Please refer t the FEE Schedule fr additinal infrmatin abut Online Banking, Overdraft and ther fees that may apply t yur accunt. Yu can always cntact a Custmer Service Representative fr mre details. Ntices Written ntice by yu shuld be sent t Nrth Shre Trust and Savings, 700 S. Lewis Ave Waukegan IL ATTN: Depsit Operatins Department. Ntices sent by us shall be deemed delivered nce mailed by us t yur last knwn address in ur recrds.

9 Inactivity If yu d nt use Online Banking (either accunt access, Bill Payment r the mbile applicatin) fr an extended perid, we reserve the right t terminate yur access t the and request that yu re-register nline t reactivate yur access. Electrnic Cmmunicatins Internet cmmunicatin is nt cnsidered t be a secure frm f cmmunicatin. Fr bank accunt inquiries yu agree t cntact Nrth Shre Trust and Savings electrnically using nly the secure messaging feature n the nline banking system r ur website Yu als agree that any cmmunicatin frm us t yu regarding yur nline banking accunts including any disclsures r ther infrmatin required t be delivered in writing under applicable law may be delivered t yu in electrnic frm and that such electrnic cmmunicatin shall be in lieu f written cmmunicatin. This includes electrnic delivery f changes in terms ntices affecting yur use f nline banking. Yu may print a cpy f such cmmunicatins using the "print" functin f yur web brwser sftware. All nline banking disclsures can als be fund under the Services tab. Yu may als request a paper cpy at any time by cntacting the Bank directly. Third-Party Services As an additinal service, the Nrth Shre Trust and Savings Online Banking services may ccasinally prvide links t web pages prvided by third parties. When yu access thse web pages prvided by third parties, yu are leaving the Bank's secure website. Sme f thse pages may nt be secure. Each f thse websites will perate under its wn privacy plicy. Yu are slely respnsible fr reviewing the privacy plicy n each website and prviding nly that infrmatin yu believe it is apprpriate t share with the prvider f that website. Our site may include prmtinal materials via links t web pages prvided by third parties frm whm yu may purchase certain gds r services. Yu understand that we d nt perate r cntrl the prducts r services. The party prviding each prduct r service is respnsible fr all aspects f rder prcessing, fulfillment, billing and custmer service. We are nt a party t the transactins entered int between yu and thse third parties. Yu agree that yur use f any such service is AT YOUR SOLE RISK AND IS WITHOUT WARRANTIES OF ANY KIND BY US, EXPRESSED, IMPLIED OR OTHERWISE INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, AND MERCHANTABILITY OR NONINFRINGEMENT. UNDER NO CIRCUMSTANCES ARE WE LIABLE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN YOU AND OTHER SITES LINKED TO OUR SITE. When pssible, Nrth Shre Trust will make every effrt t ntify yu when yu are leaving ne f ur secure pages with a pp up r sme ther type f warning message. Disclsure f Infrmatin t Third Parties T maintain yur privacy, we will nt disclse any infrmatin abut yu r yur accunts t any persn, r rganizatin r agency except: Fr certain rutine disclsures necessary fr the cmpletin f a transfer Fr verificatin f the cnditin and existence f yur accunt fr a credit bureau r merchant T persns authrized by law in the curse f their fficial duties

10 T ur emplyees, auditrs, service prviders, attrneys r cllectin agents in the curse f their duties Pursuant t a curt rder r lawful subpena T a cnsumer reprting agency By yur written authrizatin which shall autmatically expire frty-five (45) days after ur receipt f yur authrizatin If an unauthrized disclsure has been made, we must infrm yu f the details f the disclsure within a reasnable amunt f time after we have discvered that an unauthrized disclsure has ccurred. Infrmatin Prvided by Yu Yu represent and warrant that all infrmatin yu prvide t us is accurate, cmplete, and current infrmatin fr eligibility, applicatin, registratin, payment and all ther purpses. If, at any time, any infrmatin yu have prvided us becmes inaccurate, yu will prmptly prvide us the additinal infrmatin necessary t make the infrmatin yu previusly prvided true and cmplete in all material respects. Yu are respnsible fr all statements made and acts that ccur thrugh the use f yur User ID and Passwrd, and fr all instructins entered thrugh and under yur User ID and Passwrd. Cllectins If we initiate any legal actin t cllect mney wed t us under this agreement, including any cunterclaim, yu agree t pay all ur csts fr such actin, including any reasnable attrneys' fees. This prvisin des nt apply t actin in cnnectin with any credit accunt. In such cases, the credit agreement will gvern these csts. Amendment & Terminatin We have the right t mdify r amend this Agreement as allwed by law. Any mdificatins r amendments by Nrth Shre Trust and Savings shall be effective thirty (30) days after the Bank sends ntice f the amendments t yu. Either f us may terminate this Agreement at any time by giving written ntice t the ther, but the terminatin f this Agreement des nt terminate yur accunt(s) with Nrth Shre Trust and Savings. Clsing the accunt(s) which yu access Online Banking with terminates this Agreement simultaneusly. The Bank may als cancel yur privilege t use the Online Banking service, even withut telling yu in advance. Miscellaneus Yur right t use the Online Services is nt transferable. Any User ID, Passwrd, r right given t yu t btain infrmatin, dcuments, r services is nt transferable. Yu are respnsible fr cmpliance with applicable Federal, State, and lcal laws and regulatins. Yu agree nt t prcess transactins that are restricted under the Unlawful Internet Gambling Enfrcement (UIGEA). Internet Gambling transactins are prhibited and shuld nt be prcessed thrugh any accunts. By clicking I Agree belw yu agree t the terms and cnditins set frth in the abve agreement. If yu d nt agree r acknwledge all f the abve, click I Dn't Agree and yu will autmatically cancel ut f the BANK NAME Online registratin.