Internet Banking / Bill Payment Agreement and Disclosure

Please read this agreement carefully before continuing.

Introduction
This Internet Banking Agreement and Disclosure governs your use of Internet Banking. Throughout this web site the Agreement and Disclosure will be referred to as "Agreement". By using Internet Banking, you agree to all of the terms of this Agreement. Please read it carefully and keep a copy for your records.

Definitions
You or Your - The person(s) subscribing to or using Internet Banking.

First National Bank, We, Us, or Our - Refers to First National Bank of Raymond and any branch, agent, independent contractor, designee, or assignee First National Bank of Raymond may involve in the provision of Internet Banking.

Business Day - Any calendar day other than Saturday, Sunday, or any holidays recognized by First National Bank. Bill payments are processed on all business days that both the Federal Reserve Bank and the US Postal System are operating and open for business.

Business Day Cut-Off- First National Bank primary banking offices are located in Girard, Morrisonville, Pawnee, Raymond, and Virden, IL, and located in the Central Time zone. For posting purposes, the bank will process all transactions completed by 6:00PM on that business date. Transactions completed after 6:00PM, including transfers, will be processed on the following business day. (Bill payments will be processed once a day at our cut-off time, at 1:00PM Central Time on any business day.)

Privacy Statement - First National Bank understands how important privacy is to our customers. We have taken steps to insure your security and privacy for your personal and financial dealings with the bank. Our customer privacy statement can be obtained by clicking on the following link - Privacy Statement

About Internet Banking

First National Bank's Internet Banking consists of an online banking web site that provides a complete array of financial services to its customers.

The Internet Banking system that is accessible by First National Bank's customers over the Internet currently consists of:

For customers who select Bill Payment, these additional functions are available:

Internet Security Information

First National Bank's Internet Banking system is part of a network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be requested by contacting our Internet Department via e-mail. In addition to our log-on security, we use the SSL (secure socket layer) encryption technology for everything you do in the Internet Banking system. This technology is automatically activated by your browser when it attempts to connect to our system and it will support 128 bit key lengths. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet. In addition, our servers have been certified by a "Certificate Authority" that will assure you that you are actually talking to our servers instead of someone pretending to be us.

During your use of the Internet Banking system, we will pass a "cookie" to your browser for identifying you during the session. We do not (and can not) use our cookies to obtain new information about you. A "cookie" is security data that is given to a browser by a web server that is returned by the browser on subsequent transmissions to identify the user and encryption information. When you log onto the system, this cookie enables us to process multiple transactions during the session without you having to provide your Access ID and Password for each individual transaction. When you log off, or after ten minutes of inactivity, the cookie is no longer accepted and must be renewed by requiring the Password to be reentered. A new cookie is used for each session. That way, no one can use the cookie to access your account.

In addition to the security measures described above, there may be other security notices posted on the web site regarding security issues. It is your responsibility to read all applicable notices. One of the main security features guarding the use of the Internet Banking system is the unique combination of your Access Code and Password. It is important that you keep your Password secret. We will not be liable for any losses resulting from you permitting other persons to use your Access Code and Password to access the system.

If you have more questions about our security systems for conducting transactions safely over the Internet, contact our Internet Banking department.

Registration Process
The Internet Banking service requires that the customer complete the initial registration process. This involves completing a secure online application to obtain all the information that we will need to enable the service. The Internet Banking department will verify the information you submitted for accuracy and authorizations. You will be notified by mail concerning the status of your account. We do not guarantee that all applicants will be accepted.

Log-On Security
Security is very important to the Internet Banking system. At the time you request the service, we will select a unique "Access ID" and then choose a "Password" that will be used to gain access to the system. The "Access ID" and "Password" will be provided to you by mail following this validation process. The system will prompt you to change both the "Access ID" and "Password" upon activation.

To help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for 10 minutes. This is to protect you in case you accidentally leave your computer unattended after you logged on. When you return to your computer, you will be prompted to re-enter your Password and your session will continue where you left off.

Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a Password that is hard to guess. (We suggest that you stay away from names, dates, and information that may easily be guessed). Keep your Password safe. Memorize your Password and never tell it to anyone. You will be required to change your Password every 90 days. This can be done at any time after you logged on from the "options" menu.

Accounts
You may request access to any account that you are a signer. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority over the account to be able to complete the transaction. By using the service, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the system. If the accounts added to the service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Access Code and Password are authorized unless we have been notified to cancel the service.

Fees for the Internet Banking Service
The Internet Banking service is currently available to our existing personal account customers at no monthly charge. The Bill Payment feature is an optional service for personal checking accounts. Currently the Bill Payment feature is available to existing personal account customers at no monthly charge. Fees are subject to change without prior notice.

Cancellation of Internet Banking
Your Internet Banking may be canceled at any time by First National Bank in whole or part without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us. You will remain responsible for all transactions approved by the system prior to the cancellation, and for any other fees associated with the service. After cancellation, service may be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate services, you must call the First National Bank phone number listed below in the Errors and Questions section.

Balance Inquiries, Bill Payments and Transfers Limitations
You may use Internet Banking to check the balance of your accounts and to transfer funds among your accounts. There are no limits to the number of transfers or bill payments from your Checking Accounts. First National Bank currently limits the bill-payment service to only Checking Accounts. Please refer to the "Your Deposit Account" brochure for transaction limitations on money market and savings accounts.

Balances shown in your accounts may include deposits subject to verification by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions, contact your Customer Service Representative.

The balances are updated periodically and the system will display the most current "as of" date on the "accounts" summary page. There may be situations that cause a delay in an update of your balances. The system will use the most current balance available at the time of a transaction to base our approval.

Bill Payment Service
The Bill Payment Service allows you to set up your Payees/Merchants by entering the necessary information where indicated. We are able to process payments to payees/merchants that have a US Postal address. The Bill Payment service will also allow you to see a history of all the payments made from your accounts.

The daily limit for the total dollars of payments approved is governed by the system's available balance in the checking account selected for making the payment. You can withdraw up to the system's available balance as long as your account shows sufficient funds to cover your payments. The payment will normally be charged to your account on the business date that it is approved.

Although payments may be scheduled for the current business day or any date in the future at any time, they will only be processed once a day at our cut-off time, at 1:00PM Central Time on any business day. Anything scheduled on a non-business day, or after the cut-off time, will not be sent out until the following business day. Since we must forward the funds and billing information to the payee, some lead-time for payments is necessary. In general, the system will attempt to tell you when you can expect the payment to be received by the payee. The estimated payment arrival date is typically shown on the check where you schedule the payment date below the amount line. (Our system assumes the payee/merchant will promptly process the payment on the business day it is received. Any delays caused by the payee/merchant would result in additional days before the payment would show on their records.) By using this service, you authorize us, and any third-party payment-processing agent we may use, to choose whatever method we feel is the most effective method to process your transaction.

The time frames generally will be determined by the way the payment is sent to the payee. If we have to send a paper check in the US Postal system, we typically suggest sufficient time as five (5) business days prior to the payee receiving the payment for processing at their address. If the payee accepts the payment electronically, we suggest sufficient time as three (3) business days prior to the payee receiving the payment.

Our Liability for Incomplete Transactions
It is our responsibility to process all bill payments properly initiated through the Internet Banking system in accordance with this Agreement. We will be liable for damages, as defined in this Agreement, where the system caused a payment delay or failed to process a payment to be received by the payee/merchant by the tenth business day following the date your account was charged for the payment. Transfers will be processed within three business days of the completed transfer transaction. We will not be liable if any of the following occurs:

1. Funds are not showing on the system's available balance in your account that is to pay for the bill or transfer at the time of transaction.
2. Funds are subject to legal process or other encumbrances restricting the payment or transfer.
3. You had knowledge of or questions about the possible malfunction of the system when you initiated the transaction.
4. Any information provided by you about the Payee is incorrect.
5. There are any delays in the handling of the payment by the Payees.
6. Natural disasters (fire, flood, tornado, etc.) or other uncontrollable circumstances (mail delays, power failures, etc.) prevent proper completion and delivery of transactions.
7. Other applicable laws and/or regulations exempt us from liability.
8. It can be shown that the merchant or payee received the payment within the normal delivery timeframe and failed to process the payment through no fault of Internet Banking or our service providers.
9. It can be shown that the delay was caused by unusual mailing delays by the US Post Office.

Payment Guarantee
We will reimburse you up to $50 per payment for any late payment fees or penalties you are charged as a result of the Payee/Merchant not receiving a payment by the Due Date if all the following apply:

1. You scheduled the payment before the cut-off time on a transaction date at least ten (10) business days prior to the Due Date.
2. Correct information was provided to us about the Payee (name, address, account number, and amount).
3. Your account contained sufficient available funds to complete the payment or transaction on the transaction date.
4. The Payee was a Business Payee that charges late charges or penalties.
5. Late payment fees or penalties were assessed by the Payee due to the delay of this payment.
6. You received no prior notice from the Payee/Merchant that there was a problem with processing payments from our system.
7. You received no notice within the ten business day period that would have allowed you to alert First National Bank of a problem where we could have taken corrective action to remedy the situation prior to the tenth day.

Notice of Your Rights and Liabilities
Notify us immediately if your Access ID and/or Password have been compromised, lost, stolen or used without your authorization. Failure to notify us immediately could result in the loss of all money accessible by the Password. Telephoning us at the number listed below in the Errors and Questions section is the best way of limiting your possible loss. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one).

If we are notified within two (2) business days after you discover that your Access ID and/or Password has been compromised, lost or stolen, you can lose no more than $50 if someone used it without your permission. If you do not notify us within two (2) business days, and we can prove we could have prevented someone from using the Access ID and Password without your permission, you could lose as much as $500.

If your statement shows unauthorized transfers, notify us within 60 days after the statement is mailed to you or viewed on your computer. After 60 days, if we can prove that we could have stopped someone from taking the money if we had been told, you may not get back any money from us. If a good reason, (such as a long trip or hospital stay) kept you from informing us, we may extend the time periods to a reasonable time.

Errors and Questions
In cases of errors or questions concerning transactions completed with Internet Banking, do one of the following, as soon as possible:

1. Contact First National Bank of Raymond 800-500-3621 or
2. Write to First National Bank of Raymond at 403 East Broad Street/Box 469, Raymond, IL 62560 or
3. Initiate a payment inquiry on your PC through e-mail to ibank@fnbraymond.com.

We must hear from you within 60 days after you receive the first statement or notification in which the error or problem appeared. Please include the following information:

1. Name
2. Account Number and your Access ID
3. Description of the error or what you are unsure about, plus an explanation of why you believe it is an error or why you need more information.
4. Tell us the amount of the suspected error.
5. For a Bill Payment error tell us:

• Checking account number used to pay the bill
• Payee name
• Date the payment was sent
• Confirmation number
• Payment amount
• Payee account number for the payment in question.

We will tell you the results of our investigation within ten (10) business days after we hear from you (20 business days if the transaction involved a new account). Any confirmed error will be corrected promptly by the bank. If we need more time we may take up to 45 business days to investigate (90 business days if the transaction involved a new account). If we choose to take up to 45 business days, we will give you a provisional credit to your account within ten (10) business days (20 business days if the transaction involved a new account). Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. If we decide there was no error, we will furnish you with a written explanation within three (3) business days after the investigation is complete. For complete details regarding your rights and responsibilities pertaining to unauthorized transfers and error resolution, please refer to the "Your Deposit Account" brochure.

Disclosure of Account Information to Third Parties
Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies:

1. It is necessary to complete a transaction.

2. To verify the existence and condition of your account to a third party such as a credit bureau or merchant.

3. To comply with a governmental agency or court order.

4. If permission is given to us by you, which we may require to be in writing.

5. To collect information for internal use, the use of our service providers, and our servicing agents and contractors concerning our electronic funds transfer service.

6. It involves a claim by or against us concerning a deposit to or withdrawal from your account.

7. Where otherwise required or permitted under state or federal laws and/or regulations.

No Signature Requirements
When any payment or other on-line service generates items to be charged to your account, you agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you.

Virus Protection
First National Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or un-repaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

Termination
You may terminate the use of Internet Banking by contacting First National Bank in writing by mail, e-mail, or personal delivery to First National Bank. If your account is closed or restricted for any reason, Internet Banking accessibility will automatically terminate.

Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois.

Assignment
This agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.

Ownership of Material
First National Bank utilizes the Fiserv eCom™ system for its Internet Banking services and the Fiserv Paytraxx system for Bill Payment services. eCom™, and Paytraxx are trademarks of Fiserv. Unauthorized reproduction in whole or part is prohibited.

Amendments
Terms and conditions of this agreement may be amended in whole or part at any time within 30 days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to term(s) or condition(s) may be made without prior notice if it does not result in higher fees, increased liability to you, or if we deem that the services provided will be considered more restrictive by our average customer.

Entire Agreement
This Agreement supplements any other agreements or disclosures related to your account(s).