This Agreement describes your rights and obligations as a user of the Online Banking Service or the Bill Payment Service ("Services"). It also describes the rights and obligations of Security Bank. Please read this Agreement carefully. By pressing the I Accept button below, you agree to comply with the terms and conditions of this Agreement.

Note: You must scroll down and click the I Accept button at the bottom of this Agreement to continue.

Definitions
The following definitions apply in this Agreement. "Online Banking" is the Internet-based service providing access to your account(s) under the terms set forth in this Electronic Services Agreement; "Online Account" means any Security Bank account from which you will be conducting transactions using a Service; and "Password" is the code sent to you by Security Bank for use during the initial sign-on, or the code you select after the initial sign-on, that establishes your connection to the Service. "Time of day" references are to Central Standard Time or Central Daylight Time, as applicable. "We" or "us" refer to Security Bank, which offers the Services, and which holds the accounts accessed by the Services.

Access to Services
Security Bank will provide on-line instructions describing how to use the Online Banking Service or Bill Payment Service. You will gain access to your Online Accounts through the use of your Internet-enabled device, your Internet Service Provider, your User Code, and your Password.

Hours of Operation
The Services are available 24 hours-a-day, seven days-a-week, except during special maintenance periods, which generally are scheduled between 11:00 p.m. Sunday night and 4:00 a.m. Monday morning. For purposes of transactions, Security Bank's business days are Monday through Friday, excluding holidays as determined by Security Bank. All Online Banking transaction requests received after 6:00 p.m. on business days, and all transactions which are requested on Saturdays, Sundays or holidays on which Security Bank chooses to remain closed, will be processed on the next Security Bank business day. Security Bank's business day begins at 8:00 a.m.

Use of your Security Password
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 up to the limits allowed by applicable law.

If your Password has been lost or stolen
If your Password has been lost or stolen, call Security Bank immediately at (217) 789-3500, 8:00 a.m. to 5:00 p.m. (Central Time). Telephoning Security Bank is the best way of minimizing your losses. If you believe your Password has been lost or stolen and you telephone or write us within two business days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your Password without your permission. If you do NOT telephone or write us within two 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 without your permission if you had told us, you could lose as much as $500.00.

Banking Transactions with Online Banking

• In addition to viewing account information, you may use Online Banking to conduct the following transactions:

• Transfer funds among your linked checking accounts, savings accounts, money market accounts, and line of credit accounts.

  • NOTE: Because regulations require Security Bank to limit pre-authorized transfers (including Online Banking transfers), the following limitations apply:

• Statement Savings Account -- You can make no more than six transfers per statement period by pre-authorized or automatic transfer, or by Telephone or Online Banking.
• Money Market Savings Account -- You can make no more than six transfers per statement period by pre-authorized or automatic transfer, or by Telephone or Online Banking, and no more than three of these may be by check, draft or debit card.
• Initiate bill payments.
• New services may be introduced for Online Banking from time to time. Security Bank will notify you of the existence of these new services. 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

BILL PAYING AGREEMENT/TERMS & CONDITIONS

This is your bill paying agreement with Security Bank. You may use Security Bank's bill
paying service, to direct Security Bank to make payments from your designated checking
account to the Payees you choose in accordance with this agreement. The terms and
conditions of this Agreement are in addition to the Account agreements, disclosures and
other documents in effect from time to time governing your Account (the Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means
anyone, including the Financial Institution, you designate and the Financial Institution
accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

Complete a bill paying enrollment form.
IF YOU WANT TO ADD A NEW PAYEE, USE “SET UP ACCOUNTS/PAYEE” ON THE INTERNET OR SPEAK TO A SERVICE REPRESENTATIVE.
You may add a new fixed payment to a Payee, only if the Payee is on your authorized list of payees, and by accessing the Service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the Service. The Financial Institution reserves the right to refuse the designation of a Payee for any reason. Each Payee accepted by the Financial Institution will be assigned a payee code. You may pay any payee you wish in the US. The Financial Institution is not responsible if a Bill Payment can not be made due to incomplete, incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your Authorized
Payee list.

THE BILL PAYING PROCESS

Single Payments

A single payment will be processed on the business day (generally Monday through Friday,
except certain holidays) that you designate as the payment’s process date, provided the
payment is submitted prior to the daily cut-off time on that date. The daily cut-off time,
which is controlled by the financial institution, is currently 3:00 p.m. A single payment
submitted after the cut-off time on the designated process date will be processed on the
following business day. If you designate a non-business date (generally weekends and
certain holidays) as the payment’s process date, the payment will be processed on the first
business day following the designated process date.

Recurring Payments

When a recurring payment is processed, it is automatically rescheduled by the system.
Based upon your selected frequency settings for the payment, a process date is calculated
for the next occurrence of the payment. If the calculated process date is a non-business
date (generally weekends and certain holidays), it is adjusted based upon the following
rules:

If the recurring payment’s “Pay Backward” option is selected, the process date for the new
occurrence of the payment is adjusted to the first business date prior to the calculated
process date.
If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward”
option is not available), the process date for the new occurrence of the payment is adjusted
to the first business date after the calculated process date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as
a particular day of the month for processing and that day does not exist in the month of the
calculated process date, then the last calendar day of that month is used as the calculated
process date.

For Single and Recurring Payments, YOU MUST ALLOW AT LEAST SEVEN (7) BUSINESS
DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. Any bill
payment can be changed or canceled, provided you access the Bill Pay Service prior to the
cut-off time on the business day prior to the business day the bill payment is going to be
initiated.

You agree to have available and collected funds on deposit in the account you designate in
amounts sufficient to pay for all bill payments requested, as well as, any other payment
obligations you have to the Financial Institution. The Financial Institution reserves the right,
without liability, to reject or reverse a bill payment if you fail to comply with this
requirement or any other terms of this agreement. If you do not have sufficient funds in
the Account and the Financial Institution has not exercised its right to reverse or reject a bill
payment, you agree to pay for such payment obligations on demand. You further agree the
Financial Institution, at its option, may charge any of your accounts with the Financial
Institution to cover such payment obligations.

The financial institution reserves the right to change the cut-off time. You will receive notice
if it changes.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your Personal
Identification Number (PIN). You are liable for all transactions you make or that you
authorize another person to make even if that person exceeds his or her authority. If you
want to terminate another person's authority, you must notify the Financial Institution and
arrange to change your PIN. You will be responsible for any Bill Payment request you make
that contains an error or is a duplicate of another Bill Payment. The Financial Institution is
not responsible for a Bill Payment that is not made if you did not properly follow the
instructions for making a Bill Payment. The Financial Institution is not liable for any failure
to make a Bill Payment if you fail to promptly notify the Financial Institution after you learn
that you have not received credit from a Payee for a Bill Payment. The Financial Institution
is not responsible for your acts or omissions or those of any other person, including, without
limitation, any transmission or communications facility, and no such party shall be deemed
to be the Financial Institution's agent. In any event, the Financial Institution will not be
liable for any special, consequential, incidental, or punitive losses, damages, or expenses in
connection with this Agreement or the Service, even if the Financial Institution has
knowledge of the possibility of them. The Financial Institution is not liable for any act,
failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the
Financial Institution's reasonable control.

Amendment and Termination

The Financial Institution has the right to change this Agreement at any time by notice mailed
to you at the last address shown for the Account on the Financial Institution's records, by
posting notice in branches of the Financial Institution, or as otherwise permitted by law.

The Financial Institution has the right to terminate this Agreement at any time. You may
terminate this Agreement by written notice to the Financial Institution. The Financial
Institution is not responsible for any fixed payment made before the Financial Institution has
a reasonable opportunity to act on your termination notice. You remain obligated for any
payments made by the Financial Institution on your behalf.

Fees – Please refer to our product/service fee schedule for additional costs that may be
involved.

The fee for the Bill Paying Service (Bill Pay Plus only) is $3.95 per month, for an unlimited
number of monthly payments.

Additional Charges for Customer requested Services and Other Items

These charges will only be assessed if you request one or more of the services listed here.
There will be NO Charge for any item if needed to correct a Financial Institution error.

Written Correspondence to Payee: $10.00

Per proof of Payment not necessitated by a dispute: $10.00

Payments returned due to customer error: $5.00

NSF/Overdraft fee: $30.00

The Financial Institution reserves the right to charge you for research time involving
payments no longer available in your screen history. You will be informed of any such
charges before they are incurred.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic
Fund Transfers Disclosure Statement included, or, received when you opened your account,
which discloses important information concerning your rights and obligations.

IF YOUR STATEMENT SHOWS TRANSFERS THAT YOU DID NOT MAKE

If your statement shows transfers that you did not make, notify Security Bank immediately by calling us at (217) 789-3500, 8:00 a.m. to 5:00 p.m. (Central Time), or writing Security Bank at:

 Security Bank
Attention: Internet Customer Service
510 East Monroe Street
Springfield, Illinois 62701

If you do not notify Security Bank within sixty (60) days after the statement was mailed to you, you may not recover any money lost after the sixty (60) days which would not have been lost if Security Bank had been notified in time. If a good reason as reasonably determined by Security Bank (such as a long trip or hospital stay) delayed you from contacting Security Bank, Security Bank, at its option, may extend these time periods.

Errors and questions

In case of errors or questions regarding an Online Banking or Bill Payment transaction, call Security Bank at (217) 789-3500, or write us at:

Security Bank
Attention: Internet Customer Service
510 East Monroe Street
Springfield, Illinois 62701

We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the first statement on which the problem or error appeared. We will need:

• Your name and account number (if any)
• A description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information
• The dollar amount of the suspected error
• The date on which it occurred.

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) business days from your initial contact. We will notify you with the results of the investigation within ten (10) business days and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) business days from your original contact, we may not credit your account until the investigation is completed.

If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation.

You agree that Security Bank may respond to you by electronic mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Security Bank shall be considered received within three (3) days of the date sent by Security Bank, regardless of whether or not you sign on to the Service within that time frame.

LIMIT OF SECURITY BANK AND OTHER PROVIDER’S RESPONSIBILITY

Security Bank agrees to make reasonable efforts to ensure full performance of Online Banking. Security Bank will be responsible for acting only on those instructions sent through Online Banking which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under its control which may affect the accuracy or timeliness of messages you send. Security Bank is 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 Security Bank or Other Information Providers is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Security Bank is 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.

Neither Security Bank nor Other Information Providers is responsible for any computer virus or related problems which may be attributable to services provide by any Access Service Provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking. Security Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

The limit of Security Bank's liability shall be as expressly set forth herein. Under no circumstances will Security Bank 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.

SECURITY BANK’S RESPONSIBILITY

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

• Complete an Electronic Funds Transfer as properly requested.

• Cancel an Electronic Funds Transfer as properly requested.

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

• Through no fault of Security Bank, you do not have enough money in your account to make the transfer

• Through no fault of Security Bank, the transaction would have caused you to exceed your available credit

• Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken

• There is a hold on your account, or if access to your account is blocked in accordance with banking policy

• Your funds are subject to legal process or other encumbrance restricting the transfer

• Your transfer authorization terminates by operation of law

• You believe someone has accessed your accounts without your permission and you fail to notify immediately

• You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement

• We have received incomplete or inaccurate information from you or a third party involving the account or transfer

• We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

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.

Electronic Mail

If you send Security Bank an electronic mail message, Security Bank will be deemed to have received it on the following business day. Security Bank will have a reasonable time to act on your e-mail.

You should not rely on electronic mail if you need to communicate with Security Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Security Bank 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. Any such electronic mail sent to you by Security Bank shall be considered received within three (3) days of the date sent by Security Bank, regardless of whether or not you sign on to the Service within that time frame.

OTHER AGREEMENTS

In addition to this Agreement, you and Security Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online 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 open your accounts at Security 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.

MODIFICATIONS TO THIS AGREEMENT

Security Bank may modify the terms and conditions applicable to either Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, 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 three (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

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

1.       Where it is necessary for completing transfers

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

3.       To comply with government or court orders, or other reporting requirements

4.       If you give us your written permission

5.       To affiliated companies.

Information concerning your account history with Security Bank will be shared within the Security Bank organization. Other information, including information you have given us as part of an application for one of our products or services, or information we have received from a credit bureau or other third party, also may be shared among affiliated companies within the organization.

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 Online 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.

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 ninety (90) 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 Online Banking and/or Bill Payment Service, you must notify Security Bank and provide your name; address; whether you are discontinuing Online Banking, Bill Payment or both; and the effective date to stop the service. When Bill Payment is terminated, any pre-scheduled bill payments made through Online Banking will also be terminated. You may notify Security Bank by one of the following methods:

1.      By initiating a customer inquiry through our Web site

2.      By calling (217) 789-3500, 8:00 a.m. to 5:00 p.m. Central Time

3.      By writing a letter and either sending it to the following address or giving it to a Customer Service Specialist at any location:

Security Bank
Attention: Internet Customer Service
510 East Monroe Street
Springfield, Illinois 62701

 Governing Law

 This Agreement is governed by the laws of the State of Illinois and applicable federal law.

 Fee Schedule

Security Bank offers the benefits and convenience of Online Banking and Bill Payment Services to you free of charge. Account research and stop payment charges will be assessed at the rates published in Security Bank's Schedule of Service Fees. These fees are subject to change. Security Bank will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.