Electronic Banking Agreement:  (Click Here for Printable Version)

This agreement describes Your rights and obligations as a user of FCB’s Online Banking and Telephone Banking Services. It also describes the rights and obligations of Divisions of First County Bank and Divisions of First Collinsville Bank (FCB). Please read this Agreement carefully. By pressing the I Accept button below, You agree to comply with and be bound by the terms and conditions of this Agreement, and You acknowledge Your receipt and understanding of this Agreement.

Agreement
The terms and conditions of the deposit agreements and disclosures for each of Your FCB accounts, as well as Your other agreements with FCB, continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement is subject to applicable federal laws and the laws’ of the State of Illinois (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement do not govern the interpretation of the provisions, but are included for Your convenience or reference only. Any waiver (expressed or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon the parties hereto, their heirs, fiduciaries, successors, and assigns. Certain of the obligations of the parties pursuant to this Agreement will, by their nature, continue beyond termination, cancellation, or expiration of this Agreement. This Agreement, along with the Enrollment Form and Fee Schedule, constitutes the entire agreement between You and FCB with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

Definitions
Unless expressly provided otherwise, the terms in this agreement shall have the meanings set forth below:

• Online Banking is the internet-based service providing access to Your account(s).
• Telephone Banking is the telephone-based service providing access to Your account(s).
• Electronic Banking refers to both the Telephone Banking Service and the Online Banking Service.
• Online Account means any FCB account from which You will be conducting transactions using Electronic Banking.
• Password is the code sent to You by FCB for use during the initial sign-on, which establishes Your connection to the Online Banking Service.
• PIN (Personal Identification Number) is the code given to You by FCB for use during the initial sign-on, which establishes Your connection to the Telephone Banking Service.
• Time of day references are Central Standard Time or Central Daylight Time, as applicable.
• We, Us, or Our refers to Divisions of First County Bank and Divisions of First Collinsville Bank (FCB), which offers the Services, and which holds the accounts accessed by the Services.
• You or Your refers to the person(s) or entity subscribing hereto.

What You Can Do
The following Electronic Banking transactions may be performed:

• Transfer Funds - You may use Electronic Banking to perform unlimited funds transfers from Your FCB checking or savings accounts to other FCB checking or savings accounts. You may transfer from Your FCB checking or savings account to make loan payments. Note: This Agreement imposes no restrictions on the number of transactions from FCB accounts or the amounts which may be transferred, but certain limits and restrictions on the frequency of transfers may be applicable with respect to the particular types of accounts subject to this Agreement, particularly FCB Savings and all Money Market accounts. Please refer to the disclosure documents You received at the time these accounts were established for more detailed information on limitations and restrictions applicable hereto.
• Account Inquiries - You may use Electronic Banking to check the current balance and other account information on all deposit accounts and most loan accounts.
• Request Stop Payments – You may use Electronic Banking to place a Stop Payment on written drafts.
• Order Checks

Access to Services:
FCB provides a “Demo” to help familiarize You with the Online Banking and Online Bill Payment Service. You will gain access to Online Banking through the use of Your Internet-enabled device, Your Internet Service Provider, Your Access ID, and Your Password. You will gain access to Telephone Banking through the use of Your telephone, PIN, and Your DDA or Savings Account number.

Hours of Operation
The Electronic Banking Services are available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, those received after 3:00 p.m. on business days, and all transactions which are requested on weekends or holidays which FCB chooses to remain closed, will be processed on the next FCB business day.

Use of Your Online Banking Access ID and Password
FCB will mail You an Access ID and Password for use during the initial sign-on; for security purposes, You are then required to change Your Access ID, Password, and Your Enhanced Online Security. You determine your Access ID, the Enhanced Online Security information and your Password You will use (within the parameters set forth by the Online Banking Service). The identity of Your Password is not communicated to us. You agree that We are authorized to act on instructions received under Your Access ID and Password. You agree not to allow anyone to gain access to the Service(s) or to let anyone know Your Password used with the Service(s). Upon three unsuccessful attempts at authorization to use the system, You must contact Us to have Your Access reset or to obtain a new temporary Password. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

Use of Your Telephone Banking PIN
FCB will give You a temporary PIN (Personal Identification Number) to access Telephone Banking during the initial sign on. When signing on to Telephone Banking for the first time, You will be notified that Your PIN has expired. At this time, You will determine what PIN You will use. The identity of Your PIN is not communicated to us. You agree that We are authorized to act on instructions received under Your PIN. You agree not to allow anyone to gain access to the Service or to let anyone know Your PIN. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

Stolen Password/PIN
If Your Access ID, Password, or PIN has been lost or stolen, call Us immediately at 866-323-4322. A Customer Service Representative is available Monday through Friday between the hours of 8:00 a.m. and 5:00 p.m. Voice mail is available during non-business hours. Telephoning Us is the best way of minimizing Your losses. If You believe Your Access ID, Password, or PIN has been lost or stolen and You notify Us within two business days after You learn of the loss or theft, only the first $50.00 of loss is chargeable to You if someone uses Your Password or PIN without Your permission. If You do not notify Us of such events within two business days of learning of the same and We can show that We could have prevented losses if You had notified us, You will be responsible for the first $500.00 of loss. If You believe that Your Access ID, Password, or PIN has been lost, stolen, or that someone has transferred, or may transfer money from Your account without Your permission, call Us at 866-323-4322, or email Us at service@fcbbanks.com.

General Terms
Changes to charges, fees, or other terms: We reserve the right to change the charges, fees, or other terms described in this Electronic Banking Agreement. When changes are made to any fees, charges, or other material terms, We will update this Electronic Banking Agreement, and either send a notice to You at the address shown on Our records, or send You an electronic mail message. You will be notified at least 30 days in advance of the effective date of any additional fees for electronic transactions; stricter limits on the type, amount, or frequency of transactions; or any increase in Your responsibility for unauthorized transactions. If an immediate change is necessary to maintain the security of the system, You may not receive notification within 30 days of the change. As always, You may choose to accept or decline changes by continuing or discontinuing the accounts and services to which these changes relate. Changes to fees applicable to specific accounts are governed by the applicable Deposit Account Disclosure and Schedule of Services and Fees. You agree that all charges will be deducted from a designated FCB checking account of Your choice.

Errors and Questions: In case of errors or questions regarding a Telephone Banking or Online Banking transaction, call FCB at 866-323-4322, email Us at service@fcbbanks.com, or write Us at

FCB
Attention: Customer Servicee
2610 N. Illinois St.
Swansea, IL 62226

We must hear from You at the specified telephone number or address no later than 60 days after We sent You the first statement on which the problem or error appeared. We will need:

• Your name and home address.
• A description of the error or question, and an explanation concerning why You believe it is an error.
• The dollar amount of the suspected error.
• The date on which it occurred.

If the report was made orally, We may require that You send the complaint or question in writing within ten business days of the oral report. We will attempt to notify You with the results of the investigation within ten business days of the oral or written report, and will correct any error promptly. If more time is needed, We may take up to 45 business days to investigate a complaint or question. If this occurs, We will credit Your account within ten days of notification for the amount You think is in error. This will allow You to use the money during the time it takes Us to complete Our investigation. If Your complaint or question is not received within ten business days of the requested written report, We may not credit Your account until the investigation is completed.

If an alleged error involves an electronic funds transfer outside a state, territory, or possession of the United States; the applicable time periods for action is 20 business days and 90 calendar days.

If We determine that no error occurred, We will send You a written explanation within three business days after the investigation is complete. You may request copies of the documents that We used in the investigation.

You agree that FCB may respond to You by electronic mail with regard to any claim of unauthorized electronic funds transfer related to the Service. Any such electronic mail sent to You by FCB shall be considered received within three days of the date sent by FCB, regardless of whether or not You sign on to the Service in that time frame.

Other Agreements
In addition to this Agreement, You and FCB agree to be bound by and comply with the requirements of the agreements applicable to each of Your FCB Accounts. Your use of the Online Banking and/or Telephone Banking Service is Your acknowledgment that You have received these agreements and intend to be bound by them. You should review other charges that may be imposed for electronic funds transfer or the right to make transfers listed in the fee schedules accompanying all other FCB disclosures.

Modifications to this Agreement
FCB may modify the terms and conditions applicable to any service from time to time upon mailing or delivering a notice of the modification to You at the address shown on Our account records. The revised terms and conditions shall be effective by the earliest date allowed by applicable law. We may send any notice to You via electronic mail and You will have been deemed to receive it three days after it is sent. We reserve the right to terminate this Agreement and Your use of the services in whole or in part at any time without prior notice.

FCB's Responsibility to Its Customers
FCB will be responsible for Your actual losses if they were directly caused by Our failure to:

• Complete an Electronic Funds Transfer as properly requested.
• Cancel an Electronic Funds Transfer as properly requested.
  
  FCB will not be responsible for Your losses if:
   
• Through no fault of FCB, You do not have enough money in Your account to make the transfer.
• Through no fault of FCB, the transaction would have caused You to exceed Your available credit.
• Circumstances beyond Our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) which prevents the transfer, despite reasonable precautions We have taken.
• There is a hold on Your account.
• Access to Your account is blocked in accordance with banking policy.
• Your funds are subject to legal process or other encumbrance restricting transfer.
• Your transfer authorization terminates by operation of law.
• You believe someone has accessed Your accounts without Your permission and You fail to notify Us immediately.
• You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement.
• We have received incomplete or inaccurate information from You involving the account or transfer.
• We have reasonable basis for believing that unauthorized use of Your Password or account has occurred or may be occurring; if You default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with Us; or if either party terminates this Agreement.

There may be other exceptions stated in this Agreement and in other agreements with You. In no event shall We be liable for damages in excess of Your actual loss due to Our failure to complete a transfer, and We will not be liable for any incidental or consequential damages.

If any of the circumstances listed above occur, We will assist You with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

Third Party Disclosure
We will disclose information to third parties about Your account or the transfers that You make:

• Where it is necessary for completing transfers.
• To verify the existence and the condition of Your account for a third party, such as a credit bureau or merchant.
• To comply with government or court orders, or other reporting requirements.
• If You give Us Your written permission.
• To affiliated subsidiary companies of FCB Banks.

Information concerning Your account history with FCB will be shared within the FCB organization. Other information, including information You have given Us as a part of an application for one of Our products or services, or information We have received from a credit bureau or third party, also may be shared among affiliated companies or subsidiaries within the organization.

Statements
You will continue to receive Your regular account statement either monthly or quarterly, depending on the type of account. If Your statement shows transfers that You did not make, notify FCB Customer Service immediately. If You do not notify Us within 60 days after receipt of the account statement that is in question, You may not recover any money lost after the 60 days if We can show that We could have prevented losses if You had notified Us in time.

Inactivity / Termination
You are responsible for complying with all terms of this Agreement and with the terms of the agreement governing the deposit accounts which You access using Electronic Banking Services. We can terminate Your Electronic Banking privileges under this Agreement, without notice to You, if:

• You do not pay any fee required by this Agreement when due.
• You do not comply with the Agreement governing Your deposit or loan accounts.
• Your accounts are not maintained in good standing.

We may convert Your account to an inactive status if You do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90 day period. If Your account is considered inactive, You must contact Us to have the Service activated before You will be able to schedule any transaction through the Service. We may remove Your access to Online Banking if You do not sign on to the service during any consecutive six month period. If Your access is removed, You must re-apply for the service. Applications are accepted either online or at any bank location. We reserve the right to terminate this agreement and Your use of the services in whole or in part at any time.

To cancel the Online Banking and/or Telephone Banking Service, you must notify FCB with your name, address, the service (you wish you cancel), and the effective date to stop the service. You may notify FCB by one of the following methods:

• Initiating cancellation by communicating through our web site.
• Calling 866-323-4322 Monday through Friday from 8:00 a.m. to 5:00 p.m. Central Standard Time.
• Writing a letter and sending it to the following address:

FCB
Attention: Customer Service
2610 N. Illinois St.
Swansea, IL  62226

Governing Law
This Agreement is governed by the laws' of the State of Illinois and applicable federal law.

Fee Schedule

• FCB offers the benefits and convenience of On-line Banking to you for free.

• Additional fees may apply for stop payments and ordering checks, please refer to Miscellaneous Fee Schedule for more details.