Internet Banking Service Agreement/Disclosure

Processing days are Monday through Friday except for federal holidays. Federal holidays are generally those ten holidays observed by the Federal Reserve Bank. Transactions initiated on Saturday, Sunday or any federal holiday will be processed by Peoples National Bank on the next business day.

Transfers may be made between your Peoples National Bank accounts. All transfer relationships need to be setup by the bank prior to transfers being available. Our guaranteed processing cutoff time for transfers is 7pm CST.

You can use the Stop Payment Service to place a stop payment request for any check written on the account. (You cannot use this method to stop payment on transactions you have requested through any of the Online Banking Services.) When a stop payment request is made via Peoples Online, this request shall be considered to be a written request and shall be effective for 6 months. Our guaranteed processing cutoff time for stop payments is 5pm CST. Stop Payments made after 5pm CST will be effective the next processing day. Standard stop payment fees apply to all Stop Payment Requests.

To properly display and provide the utmost security for your Peoples Online Internet Banking, the following browsers are recommended for usage:

Microsoft Internet Explorer
Windows 2000 Versions 6.0 ,6.0 SP1
Windows XP SP2 Versions 6.0 or higher
Windows Vista Versions 7.0

AOL Browsers
Windows 2000 Versions 8.0 or higher
Windows XP SP2 Versions 7.0, 6.0, 6.0 SP1
Windows Vista Versions 7.0
Mac OS X 10.2, 10.3, 10.4 Version AOL for Mac OS X

Macintosh Browsers
Mac OS X 10.3 Version Safari 1.2x, 1.3
Mac OS X 10.4 Version Safari 2.0

Firefox Browsers
Windows 2000 & XP SP2 Versions 1.0; 1.5; 2.0
Mac OS X 10.3 & 10.4 Versions 1.0; 1.5; 2.0

Camino Browsers
Mac OS X 10.2; 10.3 & 10.4 Versions 1.0

From time to time, maintenance must be completed for Peoples Online. You may experience the inability to log into Peoples Online for Internet Banking maintenance on Sundays from 2am till 4am. Additionally, you may experience the inability to use Bill Payment on Thursdays from 1am till 3am. These timeframes are reserved for maintenance as needed.

Access your accounts 24 hours a day, seven days a week, using your User ID and Password to:

• pay bills (recurring or otherwise) from your checking account in the amount and on the days you request to third parties.
• to transfer funds between checking and savings accounts
• to transfer funds from your line of credit to your checking or savings account
• to make payments from checking or savings to loan accounts with us

Get information about:

• account balance and transactional information on your checking or savings accounts
• account balance information on your CD, IRA or loan accounts
• activity statement on your checking or savings accounts
• deposits posted to your checking or savings accounts
• checks written that have cleared your checking account
• withdrawal from your savings account
• pending bill payments not yet cleared

Transfers from a money market deposit account or a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month or statement cycle with no more than three by check, debit card or similar order to third parties.

• You can limit the dollar amount of money that can be electronically withdrawn from your account each day or scheduled through bill pay, however, you cannot exceed the maximum bank limit of $24,999 per paid per day.
• Funds transferred after 7:00 p.m. CST will be processed the following day.

• Direct deposits to any type of account are free.
• The right to access your accounts through Peoples Online Internet Banking is free.
• Our Bill Payment Service through Peoples Online is free if you make one Bill Payment per month. A $5.00 inactivity fee will be charged to your account if you do not pay at least one bill during the month. (waived the first 3 months after enrollment.) Peoples National Bank may change the above rates with at least 30 days prior notice.

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, 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 account to make the transfer.
• If the transfer would go over the credit limit on your overdraft line.
• 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.

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

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

Consumer Liability

• If your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that 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 will extend the time periods.

If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this disclosure.

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).
• Describe the error or the transfer 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 or question in writing within 10 business days.
• We will tell you the results of our investigation within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a foreign-initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for point-of-sale or foreign-initiated transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a foreign-initiated transfer) 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 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

520. S. 42nd STREET
MT. VERNON, ILLINOIS 62864
Business Days: Monday through Friday - Excluding Federal Holidays
Phone: 618-241-6500

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST