Internet Banking Terms and Conditions Agreement

This Agreement describes your rights and obligations as a user of the On-line Banking Service or the Bill Payment Service ("Service" or "Services"). It also describes the rights and obligations of Hoyne Savings Bank. Please read this Agreement carefully. As an authorized account holder you must abide by the terms and conditions of this agreement, and those provided to you at account opening, in order to use this Service.

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS AND DISCLOSURES

By selecting the "I Accept" button, you are (1) acknowledging your receipt of the information listed below, (2) agreeing that any contract you enter into with us for the provision of certain On-line Banking Services, may be in electronic form, (3) agreeing that certain information that may be delivered in connection with the Services may also be in electronic form, and (4) agreeing to be bound by this Agreement and accept its terms and conditions as they may be amended.

You are also acknowledging receipt of the following information and agree that:

Hoyne Savings Bank
Attention: Electronic Banking
4786 N. Milwaukee Avenue
Chicago, IL 60630

DEFINITIONS

The following definitions apply in this Agreement.

"On-line Banking" is the Internet-based service providing access to your account(s) under the terms set forth in this Internet Banking Terms and Conditions Agreement

"On-line Account" is a Hoyne Savings Bank account from which you will be conducting transactions using this Service.

"Business Day" refers to Monday through Saturday, excluding federal holidays as determined by us. All On-line transaction requests received after 7:00 p.m. CST , or on a non-Business Day, will be processed promptly, but may not appear in the online history until the following Business Day.

"Access ID" is a series of characters you select to identify you to the service. May also be referred to as User ID.

"Password" is a series of numbers and letters you select that establishes your connection to the Service in conjunction with the "Access ID".

"Time of day" references are to Central Standard Time .

"We," "us" or "our" refer to Hoyne Savings Bank, which offers the Services provided under this Agreement and holds the accounts accessed by the Services.

HOURS OF OPERATION

The Services are generally available 24 hours-a-day, 7 days a week, except during maintenance and upgrade periods which may be routinely scheduled.

USE OF YOUR ACCESS ID AND PASSWORD

The safety of our customers' accounts and account information is of paramount importance to us. We go through great lengths to protect confidentiality and the security of your account, and urge you to do the same. You agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with us to the limits allowed by applicable law. You agree to routinely change your password at least once every 30 calendar days even if not prompted by us or the service to do so.
While we continue to provide our customers with the level of on-line security we believe necessary and appropriate, customers who share their Access-IDs and/or Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No Hoyne Savings Bank representative will ever call and ask for your Access ID or Password.
It is possible that authentication methods other than access ID's and passwords may be used by the system. If used, you may be required to purchase, install or maintain additional authentication methods.

YOUR LIABILITY IF YOUR PASSWORD HAS BEEN LOST OR STOLEN OR FOR UNAUTHORIZED TRANSFERS

If your Password has been lost or stolen, call us AT ONCE. Telephoning us is the best way of minimizing your losses. You may also restore the security of your Service by immediately changing your Password. You could lose all the money in your account. If you believe your Password has been lost or stolen and you tell us within 2 Business Days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your Password to conduct unauthorized electronic funds transfers without your permission.
If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.
Also, 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 period for a reasonable period.
If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 773-283-0413 or write us at:
4786 N. Milwaukee Avenue
Chicago, IL 60630

BANKING TRANSACTIONS WITH ON-LINE BANKING

In addition to viewing account information, you may use On-line Banking to conduct the following transactions:

Additional services may be made available for On-line Banking from time to time. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

BILL PAYMENT SERVICE

The Bill Payment Service permits you to use your Internet-enabled device to direct payments
from your designated On-line Bill Pay Account to third parties you wish to pay that accept Bill Payment Services. To use this service you must accept a separate agreement made available to you at the time of enrolling in this service in addition to accepting this Terms and Conditions Agreement.

STATEMENTS

You will continue to receive your regular account statement. If the service is offered, you may elect to receive this statement electronically only.

ERRORS AND QUESTIONS

In Case of Errors or Questions About Your On-line Banking or Bill Payment Transactions, Telephone us at 773-283-0413, or write a letter and send it to:

Hoyne Savings Bank
Attention: Electronic Banking
4786 N. Milwaukee Avenue
Chicago, IL 60630

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 you the FIRST statement on which the problem or error appeared. We will need:

If you tell us orally, we may require that you send the complaint or question in writing within 10 Business Days from your initial contact. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 Business Days 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.

For errors involving a transaction that occurred during the first 30 days after the first deposit to the account was made, we may take up to 90 days to investigate your complaint or question and we may take up to 20 Business Days to credit your account for the amount you think is in error.

We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

OUR RESPONSIBILITY AND LIMITS OF OUR RESPONSIBILITY

We agree to make reasonable efforts to ensure full performance of On-line Banking. We will be responsible for acting only on those instructions sent through On-line Banking which are actually received, and cannot assume responsibility for circumstances over which we have no direct control. This includes, but is not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. We are not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from us is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. We are not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

We are not responsible for any fees incurred for Internet access, or for any computer virus, malicious code or other related problems that may be attributable to services provided by any Internet access service provider or that you may obtain from any web site, e-mail or unintentional means (i.e. hackers).

You are responsible for obtaining, installing, maintaining, and operating all hardware and software necessary for performing and securing On-line Banking on your device(s). We will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

We will be responsible for your actual losses if they were directly caused by our failure to:

However, we will not be responsible for your losses if:

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 shall occur, we shall 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.

THE LIMIT OF OUR LIABILITY SHALL BE AS EXPRESSLY SET FORTH HEREIN. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE IN CONTRACT, TORT, OR OTHERWISE FOR ANY SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, WHETHER OR NOT FORESEEABLE. BY CONSENTING TO USE THE SERVICES, YOU AGREE TO WAIVE ANY AND ALL RIGHT TO ANY OF THE AFORESAID, AND YOU ACKNOWLEDGE THAT THE LIMIT OF YOUR REMEDY IS AS OTHERWISE EXPRESSLY SET FORTH HEREIN.

EXCLUSION OF WARRANTIES

THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

ELECTRONIC MAIL (EMAIL) AND SUBMISSIONS

If you send us an electronic mail message through the Service, we will be deemed to have received it on the following Business Day. Emails will be answered within a reasonable timeframe.

You agree that we may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make.

Messages sent by electronic mail may not be secure, might be intercepted by third parties and might not be immediately received by the appropriate department or individual at Hoyne Savings Bank. Please do not use electronic mail to send to Hoyne Savings Bank communications that contain confidential information that Hoyne Savings Bank requires to be in writing or that need the immediate attention of Hoyne Savings Bank. Except as specifically agreed by us or required by law, we will not be subject to any obligations of confidentiality regarding, or liability for losses or damages incurred as a result of, submitted information or from other information transmitted to any person or entity as a result of a request for such transmission. Be aware that a "receipt" acknowledgment on an electronic mail message means only that the message has been routed into the Internet, not that the message has been received by us.

All information submitted to Hoyne Savings Bank via this web site shall be deemed and remain the property of Hoyne Savings Bank and Hoyne Savings Bank shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information from any visitor to this web site or provided to Hoyne Savings Bank through this web site. Hoyne Savings Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Hoyne Savings Bank entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Hoyne Savings Bank's responsibilities and obligations to customers in accordance with Hoyne Savings Bank's Privacy Policy.

OTHER AGREEMENTS

In addition to this Agreement, you and we agree to be bound by and comply with the requirements of the agreements applicable to each of your On-line Accounts. Your use of the On-line Banking service or the Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you opened your accounts at Hoyne Savings Bank, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We will automatically deduct any fees related to this Service from your Bill Pay Account each month. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, our Consumer Privacy Statement, the Truth in Savings, Regulation E Disclosure, Depositor's Agreement and Terms and Conditions apply to this Service.

MODIFICATIONS TO THIS AGREEMENT

We may modify the terms and conditions applicable to this Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records or by posting the information on our web site or in any other manner that we determine, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it 3 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.

DISCLOSURE OF INFORMATION TO THIRD PARTIES/ PRIVACY POLICY

A copy of our Consumer Privacy Statement was given to you at account opening and is available upon request at any of our branches, or can be mailed to you upon request by calling us at 773-283-0413, or writing a letter and sending it to:

Hoyne Savings Bank
4786 N. Milwaukee Avenue
Chicago, IL 60630

You can also access our Policy online by clicking on the Privacy Policy icon on our Website.

INACTIVITY / TERMINATION

You are responsible for complying with all the 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 On-line Banking privileges (including the Bill Payment Service) under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 120 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.

To cancel the On-line Banking and/or Bill Payment Service, you must notify us. Your notification should include your name, address and the effective date to stop the service(s). You may notify us by one of the following methods:

Hoyne Savings Bank
Attention: Electronic Banking
4786 N. Milwaukee Avenue
Chicago, IL 60630

GOVERNING LAW

This Agreement is governed by the laws of the state of Illinois and applicable federal law(s).

FEE SCHEDULE

Fees for On-line Banking will be published in our Schedule of Fees and/or on the web site.
These fees will be deducted from your On-line Banking Account or another account you hold at Hoyne Savings Bank. These fees are subject to change at any time and may include fees for hardware, software, or other security features required to access the system.

I ACCEPT

I DECLINE