First National Bank of Dwight - Disclosure

First National Bank of Dwight Online Bank

Internet Account Access User Agreement

In this agreement the words "you" and "yours" refer to the Home Banking Customer. The terms "we", "us" and "our" refer to the First National Bank of Dwight.

The Agreement This agreement between you (or parties you authorize to use our service) and The First National Bank of Dwight covers the use of First National Bank of Dwight Online Banking, a service provided to you by the First National Bank of Dwight via the World Wide Web and your personal computer. By accessing this service you understand and accept the terms, conditions and fee(s) associated with the use of this product.

First National Bank of Dwight Online Banking First National Bank of Dwight Online Banking is an electronic banking service provided by The First National Bank of Dwight to enable our customers to view their current balance, transaction history, payoff information and funds transfer (between pre-authorized FNBD accounts).

Types of Access

Pre-Authorized Accounts Any signer of the account may authorize an account to be linked. These accounts are Checking and Savings accounts that you have specified you wish to access through Internet Account Access. At any time you may add, change or remove any Checking or Savings accounts. Please contact a Personal Banker for more details. Any personal or non-personal account that requires multiple signatures to authorize debits is not eligible.

No Signature Required At which time you elect to transfer funds between your pre-authorized FNBD accounts or enroll in First National Bank of Dwight Bill Pay you authorize us to honor debits drawn against your accounts without presence of your written signature.

Your USER NAME and PASSWORD Your initial User Name is your Tax Identification Number and your temporary Password is system assigned. YOU WILL BE REQUIRED TO CHANGE BOTH USER NAME AND PASSWORD after your initial log-in. The User Name criteria is: 6-20 characters (at least one letter), cannot be all numbers or contain any whitespace. The Password criteria is: 6-32 characters (containing at least 2 letters, numbers OR symbols). The Password cannot contain part of your User Name and cannot contain any whitespace. The Password is case sensitive. You have the option at any time to change your Password and we recommend that you practice this on a regular basis. YOUR PASSWORD MUST BE CHANGED EVERY 90 DAYS. If you forget your Password, click on "I Can't Access My Account" on the Log-In Page to have a One Time Passcode sent to the number or e-mail address you previously selected for security purposes.

SECURITY CREDENTIALS: You are giving FIRST NATIONAL BANK OF DWIGHT authority to act on transactions and other instructions received using your Security Credentials, and you agree that the use of your Security Credentials will have the same effect as your signature authorizing the transactions.

You are responsible for maintaining the security of your Security Credentials and for any transactions performed or information received using such Security Credentials to the fullest extent allowed by law.

Your Password should be treated as you would any other personal sensitive data:

- Select a password that is difficult to guess
- Do not use your name or address in your password
- Use special characters to increase security
- Memorize your password
- Change your password every 90 days
- Do not share your password with anyone else

Use of Security Password You are responsible for keeping your Password and Online Account Information confidential. Please review the following guidelines:

- Do not give out your account information, Password or User ID
- Do not leave your PC unattended while you are in the Bank's Online Banking Site
- Never leave your account information within the range of others
- Never send your personal information in any public or general e-mail system

If you believe your password has been lost or stolen, or if you suspect any fraudulent activity on your account, contact the Bank immediately at 1-815-584-1212 between the hours of 8:00 am to 5:00 pm Monday thru Friday and 8:00 am to noon on Saturday. If you believe your Password has been lost or stolen, please use the Internet Banking Password Change feature to update your Password

The loss, theft or unauthorized use of your Security Credentials could cause you to lose some or all of the funds in your Account, plus any amount available under any line of credit. It could also permit unauthorized persons to have access to your personal information and Account information and to use the information for fraudulent purposes including identity theft.

Account Balance Verification At any time you may log in and check your current balance, items which have been presented for payment against your account (checks, ATM transactions, VISA Check Card purchases), deposits that have posted. All balances are subject to deposit verification.


Online Account Access and Unlimited Online Bill Payment:

No Charge

Insufficient Funds

In addition to the Insufficient Funds fee charged per the deposit Account Agreement, there will be an
additional $ 35.00 Insufficient Funds fee charged for each overdraft resulting from transactions through Bill Payment.

Stop Payment:

There will be a charge of $ 35.00 for each Stop-payment order you give.

We reserve the right to adjust the fees for the use of this service. Prior to fee changes, we will notify you in writing 30 (thirty) days before all charges go in effect. Your use of the Service after the effective date of the change confirms your agreement to the charges.

Stop Payments You have the right to stop payment on electronic funds transfers. If you have scheduled in advance to make regular payments out of your account, you can stop any of these payments by contacting Bill Payment Service by phone at 1-800-823-7555 (24 hours a day, 7 days a week) for assistance. Contact Bill Payment Service in time for them to receive your request 3 business days or more before the payment is scheduled to be made. In the event Bill Payment Service requests your stop payment order in writing, send the document to First National Bank of Dwight, 122 W. Main St. PO Box 10, Dwight, Illinois 60420 within 14 days after you placed the stop payment request. The bank will forward your written request to Bill Payment Service on your behalf. Should you place an order to stop an electronic funds transfer 3 business days or more before the transfer is scheduled and the payment is not stopped, we will be liable for your losses or damages.

Right of Termination You may cancel your Internet Account Access at any time by writing us at the address listed below. We require 30 (thirty) days written notice prior to the date you wish to have your services canceled. If you have payments or transfers scheduled within the 30 (thirty) days it is your responsibility to cancel those payments or transfers. If during the 30 (thirty) days we have not completed your request to cancel service, you will be responsible for the payments or transfers. We may cancel your enrollment in this service at any time due to insufficient funds in one or more of your accounts.

First National Bank of Dwight Online Bill Pay Funds for ALL bill payments (either by check or electronically) will be debited from your specified account ON THE DAY the payment is scheduled to be transmitted to the receiver.

NOTE: All payments made by First National Bank of Dwight Online Bill Pay require sufficient time for the receiver to process the payment and credit your account. We suggest 10 (ten)-business days. We recommend that you contact your individual payee(s) for restrictions that may apply.

You may request a payment to be made as a one time payment or as an automatic recurring basis in such a manner as you direct. If a payment is scheduled for a Non-Banking Day, the payment will be made on the previous Banking Day. Payments are made at our option either by paper check or by ACH credit or another method we choose.

FIRST NATIONAL BANK OF DWIGHT is not liable for any service fees or late charges levied against the payor.

You may make payments to any business, merchant or professional with a valid United States address. We reserve the right to limit the amount of payments, the number of payments or the Payees you may designate. You agree not to make any payment of taxes, or other governmental service charges or court-ordered payment, payment for gambling debts or payments otherwise prohibited by law using the FIRST NATIONAL BANK OF DWIGHT Bill Pay Service. We reserve the right to refuse payment and will notify you promptly if payment is refused. In no event will we be liable for any claims or damages resulting from your scheduling these types of payments or our refusing to make a payment.

You may use Bill Pay 24 hours a day, seven days a week, except during maintenance periods. Bill Payments can only be processed on Banking Days. Banking Days are Monday through Friday except for Federal Holidays. Our daily cut-off time is set at 5:00 PM. You will receive a monthly account statement listing all of your Electronic Funds Transfers.

Incomplete Payments If we do not complete a transfer to or from your account on time or in the correct amount according to your request we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have enough money in your deposit account to make the transfer.
If you have an overdraft line and the transfer would go over the credit limit.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable
precautions that we have taken.
There may be other exceptions stated in our agreement with you.

Third Party Disclosure We will only disclose information to third parties about your account or the transfers you make:

When it was necessary for completing transfers; or
In order to verify the existence and condition of your account for a third party, such as credit bureau or
merchant; or
In order to comply with government agency or court orders; or
If you give us written permission.

Reporting Unauthorized Transactions If you feel that an unauthorized transaction has been performed from your pre-authorized account without your permission, contact a Personal Banker immediately at (815) 584-1212.

Unauthorized Transfer Tell us AT ONCE if you feel your Internet Account Access has been tampered.

Telephoning is the best way of keeping your losses down. You could lose all the money in your account plus your maximum line of credit. If you tell us within 2 (two)-business days, you can lose no more than $50.00 (fifty dollars). If you do NOT tell us within 2(two) business days after you learn of the tampering, and we can prove we could have stopped someone from accessing your accounts without your permission if you had told us, you can lose as much as $ 500.00 (five hundred dollars). Also, if your statement shows transfers that you did not make, tell us AT ONCE. If you do not tell us within 60 (sixty) days after the statement was mailed to you, you may not get back any money you lost after the 60 (sixty) days if we can prove 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 may extend the time periods. If you feel your Internet Account Access has been compromised call or write to us at the telephone number or address listed below.

Error Resolution Notice In case of errors or questions about your Electronic Transfers, call or write to us at the

telephone number or address listed below, as soon as you can. If you think your statement or receipt is incorrect or if you need more information about a transfer listed on the statement or receipt, we must hear from you no later than 60 (sixty) days after we sent you the FIRST statement on which the error or question appeared.

Tell us your name and account number (if any).
Describe the error or question you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint in writing within 10 (ten)-business days.

We will determine whether an error occurred within 10 (ten) business days or 20 (twenty) business days if the transfer involved a new account after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 (forty-five) days or 90 (ninety) days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer to investigate your complaint or question. If we decide to do this, we will credit your account within 10 (ten) business days or 20 (twenty) business days if the transfer involved a new account 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 or question in writing and we do not receive it within 10 (ten) business days, we may not credit your account. An account is considered a new account for 30 (thirty) calendar days after the first deposit is made; provided you are a new customer to the bank.

If we decide there was no error, we will send you a written explanation with 3 (three)-business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Damage to Equipment We accept no responsibility for interruption of service due to loss of electric power or lack of telephone service and line quality or PC or modem failure. The First National Bank of Dwight will not be responsible for any loss or damage to your equipment (computer, software, etc..) resulting directly or indirectly from the use of First National Bank of Dwight Online Banking.

The First National Bank of Dwight
Personal Banker
122 W. Main St.
Dwight, IL 60420
(815) 584-1212