Internet Banking Disclosures

Choose from the following disclosures:

Online Banking User Terms and Conditions
Personal Computer Products - User Terms and Conditions
Automated Bill Payment - User Terms and Conditions
Internet Banking Bill Payment Agreement
Electronic Fund Transfers - Your Rights and Responsibilities

Computer Keyboard ONLINE BANKING USER TERMS AND CONDITIONS

The following terms and conditions apply to Your use of the Online Banking services provided by Forest Park National Bank & Trust Company. Forest Park National Bank & Trust Co. reserves the right to modify these terms and conditions at any time, effective upon notice to You. Your use of the Online Banking services following receipt of such notice constitutes Your agreement to any modifications of these terms and conditions.

1. Access.

Access to the Online Banking services is available via the Internet. You must use Your personal computer and Internet access to sign on to the Online Banking services using your user name and password. You agree not to disclose your user name and password to any person not authorized to access your Access Accounts via the Online Banking services. You agree to notify Forest Park National Bank & Trust Co. immediately if You become aware that someone has knowledge of Your user name and password.

2. Equipment.

You are responsible for obtaining, installing, maintaining and operating all computer hardware and software, and an appropriate access to the Internet as necessary for accessing and using the Online Banking services. Forest Park National Bank & Trust Co. will not be responsible for any errors or failures resulting from the malfunction or failure of your hardware or software or Internet Service Provider. To use the Online Banking services, You must have access to a personal computer with Internet access and a Netscape browser (version 4.7 or greater) or a Microsoft Internet Explorer browser (version 5.5 or greater).

3. Online Banking Services.

Through Online Banking, You may use your personal computer and Internet access to perform the following transactions:

(a) Balance Inquiries. You may check the current and available balance and other account information on all of Your Forest Park National Bank & Trust Co. deposit and loan accounts.

(b) Balance Transfers: You may perform funds transfers between any two of Your Forest Park National Bank & Trust Co. deposit and loan accounts.

(c) Download Files: You may download your accounts transaction files for use with the following money management software products: Intuit Quicken® and Microsoft Money®.

(d) Online Bill Payment: If You activate Online Bill Payment, You may direct Forest Park National Bank & Trust Co. to make payments from your Charge Account to creditors or other payees that You designate.

(e) Customer Service. You may communicate with the Forest Park National Bank & Trust Co. by using your personal computer to send and receive written messages electronically. You can also contact our 24x7 online banking support line at 1-877-287-7895.

4. Balance Transfers.

All funds transfers that You perform between Your Transfer Accounts are subject to the following rules and regulations:

(a) You must be the signer of both Transfer Accounts involved in a transfer. However, Forest Park National Bank & Trust Co. may, at its discretion, accept an authorization when You are the owner of a joint account receiving credit and are also a signer on a joint account being charged.

(b) Forest Park National Bank & Trust Co. shall have no duty to verify the identity of a person using Your valid user name and password to transfer funds.

(c) You may initiate a transfer request at any time provided all systems are operational. The transfer will be posted on a business day during regular processing hours.

(d) Forest Park National Bank & Trust Co. may discontinue this service at any time.

(e) You agree to notify Forest Park National Bank & Trust Co. immediately if You become aware that someone has knowledge of Your user name and password.

(f) Federal Regulations limit preauthorized, automatic telephone/internet and other transfers from savings and money market accounts to a total of six (6) per month. Limited transfers/withdrawals include: check, debit card or similar order payable to third parties, preauthorized transfers, automatic transfers and telephone transfers.

(g) Transfers are subject to all of the terms and conditions of the electronic funds transfers as stated in the Forest Park National Bank & Trust Co. Electronic Fund Transfers - Your Rights and Responsibilities Disclosure.

5. Damages Limitations.

In no event shall Forest Park National Bank & Trust Co. have any liability for any indirect, consequential, incidental, special, exemplary or punitive damages, even if informed of the possibility of such damages, whether the claim for such damages is based on contract, tort or any other theory. Forest Park National Bank & Trust Co. is not responsible for any loss, injury or damages, whether direct, indirect, special or consequential, arising in any way out of the installation, use or maintenance of your personal computer hardware or any software or Internet access. Any cause of action concerning the Online Banking services under this Agreement must be commenced within one year after such cause of action has accrued.

6. Business Days/Hours of Operation.

Forest Park National Bank & Trust Co.'s business days are Monday through Saturday, except holidays on which it is closed. Online Banking services are available 24 hours a day, 7 days a week except during maintenance periods. All Balance Transfer transactions initiated after 5:00 P.M., and all Online Bill Payment transactions initiated after 8:00 P.M., on a business day will be posted to the appropriate account on the next business day.

7. Termination and Limitation of Access.

(a) Forest Park National Bank & Trust Co. may terminate the Online Banking services in whole or in part at any time without prior notice. Forest Park National Bank & Trust Co. also reserves the right to limit or suspend your access to the Online Banking services at any time. Forest Park National Bank & Trust Co. reserves the right to revoke your Online Banking access if your sign on has been inactive for 90 days. Forest Park National Bank & Trust Co. also has the right to refuse a transaction if it reasonably believes such refusal is necessary for security reasons.

(b) You may cancel Your use of the Online Banking services at any time by sending notice via first class mail to Forest Park National Bank & Trust Co., 7348 West Madison Street, Forest Park, Illinois 60130, Attn: Internet Banking, or by calling Forest Park National Bank & Trust Co. at 1-708-222-2800. If You notify us by telephone, we may request that you put your request in writing. We cannot cancel the Service until all pending payments have cleared. If you have pending payments and do not want to wait for them to clear, you may individually delete these future payments. You will not receive a refund of any service fee if you cancel. Cancellation shall not affect your liability or obligations under this Agreement

8. Information, Documents, and Notices.

(a) Consent to Electronic Form. You agree that all information, documents, and notices that Forest Park National Bank & Trust Co. is required to provide to You relating to this Agreement or to the Online Banking services, may be provided to You via the disclosure webpage at the Bank's website or e-mail at the e-mail address that You have provided pursuant to this Agreement, or to a substitute e-mail address that You designate to Forest Park National Bank & Trust Co.. This consent applies to all Online Banking transactions under this Agreement.

(b) Hardware and Software Requirements. To receive such notices, You must have an active e-mail account accessible from the Internet, and the minimum hardware and software requirements specified for your use of the Online Banking Services.

(c) Changes to Your E-Mail Address. To change the e-mail address to which such notices are sent to You, You should email us using your Online Banking Service.

9. Miscellaneous Terms.

In addition to this Agreement, You agree to comply with all applicable account agreements that You have with Forest Park National Bank & Trust Co., and all State and Federal laws and regulations. Forest Park National Bank & Trust Co. may amend or change this Agreement by sending You notice by electronic mail or by regular mail sent to your address as it appears on your account records. Your use of the Online Banking services following receipt of such notice constitutes Your agreement to any modifications of these terms and conditions.

PERSONAL COMPUTER PRODUCTS — USER TERMS AND CONDITIONS

Forest Park National Bank & Trust Co. hereby publishes the following terms and conditions for User's use of the PC (personal computer). Forest Park National Bank & Trust Co. reserves the right to modify these terms and conditions at any time, effective upon publication and transmittal to PC product users. A customer's use of the PC services constitutes agreement to these terms and conditions and any modification thereof.

User understands and agrees that the following uses of the PC services are strictly prohibited. User agrees to indemnify, hold harmless, and defend Forest Park National Bank & Trust Co. 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. A. Unauthorized communication of any charges or credit-card information belonging to any other person or entity;
2. B. Unauthorized communication of 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. C. Use of the PC services to copy, 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, distribution, or transmitting copyrighted materials other than with permission as specified above is expressly prohibited.
4. D. Communication of obscene or defamatory information including but not limited to bulletin boards, in conjunction with E-mail; or
5. E. Use of 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 the furtherance or the commission of any crime or other unlawful or improper purpose.
1. FOREST PARK NATIONAL BANK & TRUST CO. 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 FOREST PARK NATIONAL BANK & TRUST CO. NOR ITS SUPPLIERS NOR ANYONE 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 FOREST PARK NATIONAL BANK & TRUST CO. 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 FOREST PARK NATIONAL BANK & TRUST CO.'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.
User further understands and agrees that:
1. Transmission of confidential business and sensitive personal information is at Customer's sole risk.
2. Forest Park National Bank & Trust Co. reserves the right to monitor and review transmissions on-line and in storage, and to remove or reject any material which Forest Park National Bank & Trust Co., at its sole discretion, believes may be unlawful or objectionable, without prior notice to User.
3. User may be responsible for a $20.00 ACH returned item charged when using bill payment services if sufficient funds are not available to pay specified bills and be charged the Bank's normal overdraft fees.
4. User agrees to notify Forest Park National Bank & Trust Co. or its authorized agent no later than 60 days after User receives the FIRST statement on which User believes a problem or error has occurred.

AUTOMATED BILL PAYMENT — USER TERMS AND CONDITIONS

Forest Park National Bank & Trust Co. hereby publishes the following terms and conditions for customers utilizing bill payment services via the Internet. Forest Park National Bank & Trust Co. reserves the right to modify these terms and conditions at any time, effective upon publication and transmittal to bill payment service users. Customer's use of bill payment services constitutes agreement to these terms and conditions and any modifications thereof.

User agrees to follow product use instructions provided within the Online Help.
User agrees to schedule bill payment (payment transaction date) at least five business days prior to the due date, not including any grace period.
User agrees to provide correct payee name, address, account information and payment amount.
User agrees to maintain sufficient funds in funding account on the transaction date requested.
User agrees to notify Forest Park National Bank & Trust Co. or its authorized agent no later than 60 days after User receives the first statement on which User believes a problem or error has occurred.
User acknowledges that Forest Park National Bank & Trust Co. or its authorized agent may require up to 45 days to investigate a complaint or question. Forest Park National Bank & Trust Co. or its authorized agent will use all responsible 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 Forest Park National Bank & Trust Co. or its authorized agent needs more time, the User's account will be credited within 10 business days for the amount the User believes to be in error. If the User is requested to put the complaint or question in writing and it is not received within 10 business days, the account may not be credited. If it is determined that there was no error, a written explanation will be sent within 3 business days after the investigation is completed.
This service may not be used to transmit alimony, child support or other court-directed payments or tax payments.
This service may be terminated by us at any time.
User acknowledges that funds may be withdrawn from the designated funding account as early as one day after the transaction date requested (Send On Date).

INTERNET BANKING BILL PAYMENT AGREEMENT

In this Agreement, "I, me, and my" refer to the person or persons signing up for the Online Bill Payment. "Account" refers to my checking or NOW account, from which my bills will be paid.

User authorizes Forest Park National Bank & Trust Co. or its authorized agent to make payments to creditors for me, as I may authorize by PC (personal computer) from time to time, and also authorize Forest Park National Bank & Trust Co. to post such payments to my account.
I understand that Forest Park National Bank & Trust Co. 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. Forest Park National Bank & Trust Co. 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. I also understand that Forest Park National Bank & Trust Co. 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.
I understand that Forest Park National Bank & Trust Co. will provide bill pay free of charge. I also understand that I will be charged $20.00 for each bill pay returned. Forest Park National Bank & Trust Co. may change the above rates with at least 30 days prior notice.
I have read and hereby agree with all terms and conditions delineated on the Automated Bill Payment User Terms and Conditions provided by Forest Park National Bank & Trust Company.