ELECTRONIC FUNDS TRANSFER DISCLOSURE ERROR RESOLUTION NOTICE DEBIT CARD AGREEMENT

ELECTRONIC FUNDS TRANSFER DISCLOSURE ERROR RESOLUTION NOTICE DEBIT CARD AGREEMENT A. Consumer Liability Tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell 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 can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. B. Contact in event of unauthorized transfer. If you believe your card has been lost or stolen, call: during business hours 708-485-3100, during nonbusiness hours 800-472-3272 or write: Countryside Bank, Attention: Loss Prevention, 6734 Joliet Road, Countryside, IL 60525. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. C. Business days For purposes of these disclosures, our business days are Monday through Friday. Federal holidays are not included. Page 1

D. Transfer types and limitations 1. Account access. You may use your card to: i. Withdraw cash from your checking or savings account. ii. Make deposits to your checking or savings account. iii. Transfer funds between your checking and savings accounts whenever you request. iv. Pay for purchases at places that have agreed to accept the card. v. Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request. Some of these services may not be available at all terminals. 2. Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: i. Pay for purchases. ii. Pay bills. 3. Limitations on frequency of transfers. i. You may make only an unlimited number of cash withdrawals from our terminals each. ii. You can use your telephone bill-payment service to pay an unlimited number of bills each. iii. You can use our point-of-sale transfer service for an unlimited number of transactions each. iv. For security reasons, there are limits on the number of transfers you can make as defined by the daily approval limits we have established. 4. Limitations on dollar amounts of transfers i. You may withdraw up to $1,010 per business day. ii. You may buy up to $3,000 worth of goods or services per business day in our pointof-sale transfer service. E. Fees 1. Per transfer charge. We will not charge you for each transfer you make using our internet banking, overdraft protection, ATM machines owned by Countryside Bank. 2. Fixed charge. None. 3. Average or minimum balance charge. None. F. Confidentiality. We will disclose information to third parties about your account or the transfers you make: i. Where it is necessary for completing transfers, or ii. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or iii. In order to comply with government agency or court orders, or iv. If you give us your written permission. G. Documentation 1. Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals. Page 2

2. Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us to find out whether or not the deposit has been made. 3. Periodic statements. You will get a monthly account statement when there are electronic funds transfers. If you have a savings account that has no electronic funds transfer activity you will receive a quarterly statement. 4. Passbook accounts are not offered. H. Preauthorized payments 1. Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Call us at 708-485-3100, or write us at Countryside Bank Attention: Loss Prevention 6734 Joliet Road, Countryside, IL 60525 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call or initiate a stop payment by electronic device, we may also require you to put your request in writing and get it to us within 14 days after you call. 2. Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay should tell you, 10 days before each payment, when it will be made and how much it will be. 3. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. I. Financial institution's liability. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: 1. If, through no fault of ours, you do not have enough money in your account to make the transfer. 2. If the automated teller machine where you are making the transfer does not have enough cash. 3. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. 4. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. 5. If your account has been frozen by legal proceedings or other action. 6. There may be other exceptions stated in our agreement with you. J. ATM fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Page 3

ERROR RESOLUTION NOTICE In case of errors about your electronic transfer telephone us at 708-485-3100 or write us at Countryside Bank, Attention: Loss Prevention, 6734 Joliet Road, Countryside, IL 60525. as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. 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. 2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we require that you send us your complaint or question in writing within 10 business days or we may not recredit your account within those 10 business days. We will determine whether an error occurred 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 credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint to question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. DEBIT CARD AGREEMENT 1. Definitions In these rules: Bank means Countryside Bank. Account means your Countryside Bank checking account, savings account or money market account. Card means the debit card which has been issued to you by the Bank. We, us and our means the Bank. You, your and yours means each person who is party to the Account and who applied for the Card. Automated Teller Machine (ATM) or Point of Sale (POS) means any terminal at which you may use your Card together with your Personal Identification Number (PIN) to perform transactions. 2. Card Ownership and Termination Page 4

The Cards issued remain our property at all times and if we request, you must recover and surrender all Cards we issued to you. We may terminate your right to use the Cards at any time, for any reason. 3. Agreement to Comply with the Rules Your retention of, signature on or use of the Card constitutes your agreement with the rules and regulations described in the Account Disclosure brochure provided when your account was opened and these rules as amended from time to time. This agreement and your use of the Card will be governed by the laws of the State of Illinois. 4. Using the Card You may use your Card to purchase goods or services ( purchases ) wherever the Card is accepted or to obtain cash ( cash withdrawal ) from any bank or other financial institution which honors the Card. We have no obligations to you if anyone refuses to honor the Card or for any reason, you cannot make a cash withdrawal from or a deposit at an ATM. As a condition of using the Card, you agree that you will: a. Not allow anyone else to use the Card to access your Accounts or make transfers, withdrawals, purchases or payments. b. Safely keep your PIN in your sole possession and do not disclose or make it available to anyone else. Do NOT write the PIN on your Card, or keep it with the Card. c. Only use the Card in accordance with this Agreement and any other instructions we furnish to your for the purpose authorized by us. d. Immediately report any loss, theft or suspected unauthorized use of your Accounts through your Card. 5. Authorization to Debit or Credit the Account Each time your Card is used, you authorize us to debit or credit your Account (whichever is appropriate) for the total amount shown on any sales draft, withdrawal order or credit voucher originated by use of the Card, whether or not signed by you, and we are permitted to handle such sales drafts, orders and vouchers in the same way we handle authorized checks drawn on your account. 6. Access and Limitations You agree that you will use the Card only if the available balance in your account will be sufficient to pay the amount of the purchases, cash withdrawals, and ATM transactions. For security reasons, we have established daily approval limits on the dollar amount of purchases and cash withdrawals you can make. The daily limit for ATM transactions is $1,010. The daily limit for POS transactions is $3,000. All daily limits are per business day. You agree that any purchase or cash withdrawal may be subject to authorization by us or by a MasterCard authorization center and no authorization may be given if the amount of all outstanding purchases and cash withdrawals will exceed your approval limit. You agree to pay all fees and charges related to the Card and your Accounts as set forth in this Agreement, our Agreement and Rules and the Account disclosures. If it becomes necessary for the Bank to terminate your Card privileges and to commence legal proceedings to collect your indebtedness in the event of delinquency or in the event of a breach of any obligation of yours under this Agreement, you agree to pay all costs incurred by the Bank, including reasonable attorney s fees and court costs. Page 5

7. Refunds on Purchases Cash refunds will not be made to you on purchases made with your Card. If a merchant gives you credit for merchandise, returns or adjustments, the merchant will do so by sending us a credit which we will apply as a credit to your Account. Any claim or defense with respect to property or services purchased with the Card must be handled directly with the merchant or other business establishment. Any such claim or defense which you assert will not relieve you of your obligation to pay the total amount of the sales draft, plus any appropriate charges we may be authorized to make. 8. No Right to Stop Payment You are not permitted to stop payment on any purchase or cash withdrawal. 9. Statements Your regular monthly account statement will reflect each purchase and cash withdrawal charged to your Account and each credit applied to your Account during the monthly Account cycle and the related fee, if any. You will get a receipt at the time of each transaction which you should retain. 10. Foreign Transactions Purchases and cash withdrawals you make in foreign countries and foreign currencies will be charged to your Account in U.S. dollars. The conversion will be made in accordance with MasterCard operating regulations and conversion rates for international transactions. The conversion rate may not be the same as on the transaction date. 11. Deposit and Credit Agreements The terms and conditions in the Agreement are in addition to any other agreement you have with us, including the Countryside Bank Agreement and Rules and any deposit account agreement relating to your Accounts ( Deposit Agreement ) and credit agreements relating to your Countryside Bank credit Accounts, including any disclosures made pursuant to such agreements ( Credit Agreements ). If your Deposit Agreement or Credit Agreement does not address Card access or use of your Account, this Agreement modifies your Deposit Agreement or Credit Agreement to include Card access. 12. Amendments and Cancellations We may at any time cancel your privilege to use your Card, and we may list your Card in cancellation bulletins. Any such amendment or cancellation shall be (subject to compliance with any applicable legal requirements concerning notice) effective upon mailing notice of such amendment or cancellation to your at the address to which your account statements are sent. 13. Fees and Charges The Bank allows free of any service charges an unlimited number of transactions for our customers at any ACCEL/Exchange, Cirrus or MAESTRO ATM owned by Countryside Bank and for any POS and signature-based transactions. A fee may be imposed by a non-proprietary ATM operator when you initiate a transaction or make a balance inquiry and by any network used to complete the transaction. 14. Hold on Funds Each card transaction will allow us to place a hold on the corresponding amount of funds in your designated Account until the transaction is posted to your Account. You agree not to withdraw or write checks against funds that are needed to pay Card transactions that have not yet posted to your Account. Page 6

15. Additional Limits on Liability for Point-of-Sale Transactions Processed by MasterCard MasterCard will apply its zero liability policy to all transactions if (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) and upon becoming aware of a loss or theft, you promptly (within two days) report the loss or theft to us. If you fail to meet the conditions for the zero liability policy, federal law extends certain protections to consumers. Under this law, if you report the loss to us within two days, federal law caps your responsibility at $50. If you report it within 60 days of receiving a statement that shows the fraudulent transactions, your liability is capped at $500. If you don t report it within 60 days, that liability if unlimited. 16. Business Days The Bank s business days are Monday through Friday. Federal holidays are not included. 17. Bank s Liability Disclosure The Bank makes no representations or warranties with respect to the terminal. The Bank shall not be liable for any loss, damage, inconvenience, or injury whatsoever due to mechanical failure of the terminal or its components unless such failure is due solely to the Bank s gross negligence ro willful misconduct. The Bank is liable for losses or damages if the Bank fails to complete a transfer to or from your Account on time or in the correct amount in accordance with the Agreement. However, the Bank is not liable if: (a) through no fault of the Bank, you do not have sufficient funds in your account to make the transfer; (b) if the terminal making the transfer does not have enough cash; (c) if the terminal or system was not working properly and you were aware of the problem when you started the transfer; (d) if circumstances beyond the Bank s control (such as fire or flood) prevent the transfer despite reasonable precautions taken by the Bank, or; (e) if your account has been frozen by legal proceedings or other action. 18. General a. Your rights hereunder are not assignable by operation of law or otherwise, but your obligations shall be binding upon your heirs and personal representative. b. No delay on the Bank s part in the exercise of any right or remedy shall be a waiver thereof and no single or partial exercise by the Bank of any right or remedy shall preclude any other right or remedy. c. The construction and enforcement of this Agreement shall be governed by the applicable laws of the United States of America and the State of Illinois. Any provisions of this Agreement that may be prohibited by law shall be ineffective only to the extent of such prohibition. 19. Security Limitations We will at our discretion impose rules that will block your use of the card based on our evaluation of the risk environment. Under the Unlawful Internet Gambling Enforcement Act of 2006, all debit card transactions identified by our card processor as funds going to an illegal gambling business will be blocked. Blocked or rejected funds will remain in or be returned to the original account. 20. MasterCard Account Updater Effective October 31, 2017, your card is automatically enrolled in ABU (MasterCard Account Updater), an automatic account information updating service provided by MasterCard. When your account information changes, Countryside Bank will submit electronic files with your updated information to MasterCard and MasterCard will send the updated information to Page 7

participating merchants with whom you have an ongoing payment relationship, such as recurring payments or automatic billing. This service is a convenience, provided to you at no cost; however, you may opt-out of ABU at any time by contacting Countryside Bank in writing at Countryside Bank, Attn: Loss Prevention, 6734 Joliet Road, Countryside, IL 60525. You understand that participation in ABU does not relieve you of the obligation to ensure that merchants have correct account information on file, and if you fail to keep your account information current it may result in a declined payment. You also understand that neither MasterCard nor Countryside Bank can guarantee that your account updates will be communicated to the merchant prior to your next billing date. Page 8