State Bank of Illinois hereby discloses the following terms and conditions for User’s use of the bank’s PC (personal computer)/Online Banking services. State Bank of Illinois reserves the right to modify these terms and conditions at any time, effective upon publication. User’s use of the PC services constitutes agreement to these terms and conditions and any modifications thereof.

1. User agrees that the following uses of the PC services are strictly prohibited. User agrees to indemnify, hold harmless, and defend State Bank of Illinois from and against any and all claims, actions, suits, judgments and expenses (including court costs and reasonable fees of attorneys, accountants and expert witnesses) at User’s sole expense, arising from User’s failure to abide by these restrictions on use of the PC services.

   1. Unauthorized communication of any charge or credit-card information belonging to any other person or entity;
   2. Unauthorized communication of any information concerning any password or other on-line access number, code, or identification or any other proprietary information belonging to any other person or entity.
   3. Use of the PC services to copy or to distribute or transmit copies of copyrighted materials belonging to any other person or entity is permitted only to the extent that the owner has provided express permission to the User permitting such activity. Copying or distribution or transmitting copyrighted materials other than with permission as specified above is expressly prohibited.
   4. Communicating any obscene or defamatory information including but not limited to on bulletin boards or in conjunction with E-mail; or
   5. Use of the PC services in violation of any telecommunication, postal, or other local laws or regulations of the User’s country of origin or of the United States or in furtherance or in the commission of any crime or other unlawful or improper purpose.
2. 
   
   1. STATE BANK OF ILLINOIS AND ITS SUPPLIERS MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND WITH RESPECT TO THE PC SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANT ABILITY OR FITNESS FOR PARTICULAR PURPOSE AND NEITHER STATE BANK OF ILLINOIS NOR ITS SUPPLIERS NOR ANYONE ELSE WHO HAS BEEN INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE PC SERVICES ASSUME ANY RESPONSIBILITIES WITH RESPECT TO USER’S USE THEREOF. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY STATE BANK OF ILLINOIS OR ITS SUPPLIERS OR ANY OF THEIR EMPLOYEES SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF THIS WARRANTY, AND USER MAY NOT RELY ON ANY SUCH INFORMATION OR ADVICE. THE FOREGOING CONSTITUTES STATE BANK OF ILLINOIS’S SOLE AND EXCLUSIVE LIABILITY TO USER WITH RESPECT TO USER’S USE OF THE PC SERVICES.
   2. Any cause of action concerning the PC services under this Agreement must be commenced within one year after such cause of action has occurred.
3. User further agrees:
   
   
   1. Transmission of confidential business and sensitive personal information is at Customer’s sole risk.
   2. State Bank of Illinois reserves the right to monitor and review transmissions on-line and in storage, and to remove or reject any material which State Bank of Illinois at its sole discretion, believes may be unlawful or objectionable, without prior notice to User.
   3. User may be responsible for a $30.00 ACH returned item charge when using bill payment services if sufficient funds are not available to pay specified bills.
   4. User agrees to notify State Bank of Illinois or its authorized agent no later than 60 days after User receives the FIRST statement on which User believes a problem or error occurred. User further acknowledges receipt of State Bank of Illinois’s Electronic Transactions Disclosure Statement and Error Resolution brochure and understands problems and/or errors will be resolved accordingly.

By accepting these terms and conditions, User agrees to:

1. Authorize State Bank of Illinois to internet enable the deposit accounts indicated by the User’s self enrollment in Internet Banking;
2. Understand that internet enabled accounts are subject to the same provisions and regulations as regular deposit accounts as described in the bank’s “Understanding Your Deposit Account” disclosure;
3. Understand that transfers to/from internet enabled accounts will occur only on “business days” as defined in the “Understanding Your Deposit Account” disclosure.
4. Understand that State Bank of Illinois or its authorized agent will not be responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.

State Bank of Illinois hereby discloses the following terms and conditions for User’s use of bill payment services via the Internet. State Bank of Illinois reserves the right to modify these terms and conditions at any time, effective upon publication. User’s use of bill payment services constitutes agreement to these terms and conditions and any modifications thereof.

1. User hereby authorizes State Bank of Illinois or its authorized agent to make payments to creditors for User, as User may authorize by personal computer from time to time, and also authorizes State Bank of Illinois to post such payments to User’s account.
2. User understands that State Bank of Illinois or its authorized agent will use reasonable efforts to ensure payments reach creditors on time, but cannot guarantee the time a payment will be posted by a creditor. State Bank of Illinois or its authorized agent will use reasonable effort in ensuring creditors reverse any service fee or late charge that is related to payment process error. User also understands that State Bank of Illinois or its authorized agent will not be responsible for any loss or penalty that User may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from User’s account.
3. User agrees to accurately follow product use instructions provided in the on-line tutorial.
4. User agrees to schedule bill payments (payment transaction date) at least five business days before the due date, not including any grace period.
5. User agrees to provide correct payee name, address, account information and payment amount.
6. User agrees to maintain sufficient funds in funding account on the transaction date requested.
7. User agrees to notify State Bank of Illinois or its authorized agent no later than 60 days after User receives the first statement on which User believes a problem or error occurred.
8. User acknowledges that State Bank of Illinois or its authorized agent may require up to 45 days to investigate a complaint or question. State Bank of Illinois or its authorized agent will use all reasonable efforts to resolve an issue within 3 business days. If an issue is reported orally, the User may be required to send the complaint or question in writing within 10 business days. If State Bank of Illinois or its authorized agent needs more time, they will credit the User’s account within 10 business days for the amount the User believes is in error. If we ask the User to put the complaint or question in writing and we do not receive it within 10 business days, we may not credit the account. If we determine there was no error, we will send a written explanation within 3 business days after the investigation is finished.
9. This service may not be used to transmit alimony, child support or other court-directed payments or tax payments.

State Bank of Illinois (“the Bank”) Text Message Banking is a service provided by the State Bank of Illinois. By using State Bank of Illinois Text Message Banking, you (the customer) agree to the following terms and conditions:

The terms and conditions in this Agreement are in addition to, and do not supersede or replace, any other agreements applicable to any of your accounts with us.

The Bank will never send a Text Message Banking message that asks you to supply any sensitive personal or financial information such as your social security number or your account number. We will not send you marketing messages through our Text Message Banking service.  If you receive such requests, do not respond and contact us immediately (see Personal Banking Department below).

The Bank may send text messages to you through your communication service provider. You agree that your communication services provider is acting as your agent in this capacity.

You agree to provide a valid phone number for this service so that we may send you certain information about your applicable account. The Bank will determine what information is made available through this service. The Bank is not be liable for losses or damages caused in whole or in part by your actions that result in any disclosure of account information to third parties.

You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.

State Bank of Illinois Text Message Banking is only available to customers who have a consumer deposit account with us or such other accounts that we may decide to make available for this service. Text Message Banking is provided for your convenience and does not replace your periodic account statement(s), which are the official record of your accounts.

You agree to protect your communications device that receives information through this service and not to let any unauthorized person have access to the information we provide to you through this service. Receipt of account information sent by Text Message Banking may be delayed or impacted by factor(s) outside of the Bank’s control, including your phone carrier.   We will take reasonable care to ensure that any text messages we send reach you and that they are accurate and complete. However, we cannot guarantee this as it depends upon the reliability of the text messaging service provider and the network operator for your mobile phone(s) as well as geographic, atmospheric and other conditions or circumstances beyond our control. State Bank of Illinois does not assume any liability to you if you suffer loss due to the text message not being received accurately or at all.

You are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your communications service provider. Standard message charges may apply. Such charges may include those from your communications service provider.

For any questions or to cancel Text Message Banking, please contact a Personal Banker:

PERSONAL BANKING DEPARTMENT
Mokena 708-479-2185
South Elgin 847-742-8080
West Chicago 630-231-1800
Yorkville 630-553-2636