Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the fifth business day after the day of deposit.

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt).  In all cases, these third party transfers will require you to provide the third party with your account number and financial institution information.  This information can be found on your check as well as on a deposit or withdrawal slip.  Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers.  Examples of these transfers include, but are not limited to:

• Preauthorized credits - You may make arrangements for certain direct deposits to be accepted into your checking or savings.
• Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking.
• Electronic check conversion - You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
• Electronic returned check charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

Center Voice (Telephone Transfers) - types of transactions - You may access your account by telephone using your account number(s), personal identification number (PIN), social security number and touch tone phone to:

• Transfer funds from checking to savings
• Transfer funds from checking to checking
• Transfer funds from savings to checking
• Transfer funds from savings to savings
• Get information about about checking, savings or certificate of deposit
• Get withdrawal history about checking or savings
• Get deposit history about checking or savings
• Get transaction history about checking or savings

You may access your account for telephone transactions at the following number(s) and during the following hours: (877)965-3344 (24 Hours per day, 7 days per week)

ATM card transactions- types of transactions -  You may access your account(s) by ATM using your ATM card and personal identification number (PIN) or your Visa® Check card and personal identification number (PIN) to:

• Deposit funds to checking or savings
• Withdraw cash from checking or savings
• Transfer funds from checking to savings or from savings to checking
• Get balance information about checking or savings
• Get withdrawal history about checking or savings
• Get deposit history about checking or savings
• Get transaction history about checking or savings
• • There is a charge of $.50 per transaction at ATMs we do not own or operate.

Some of these services may not be available at all terminals.

Visa® Check Card Point-of-Sale Transactions - types of transactions - You may access your checking account(s) by debit card to do transactions that participating merchants will accept, including:

• Purchase goods in person, by phone, or online
• Pay for services in person, by phone, or online
• Get cash from a participating merchant or financial institution

Currency Conversion. When you use your Visa® debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa® itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment deteremined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.  Effective April 4, 2008, a 0.80% (80 basis points) Cross Border Fee will be assessed on all single currency international transactions.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Computer access plan - types of transfers -  You may access your accounts by computer at www.premierbanksonline.com and using your User ID and Password to:

• Transfer funds from checking to savings
• Transfer funds from checking to checking
• Transfer funds from savings to checking
• Transfer funds from savings to savings
• Make payments from checking or savings to a line of credit/loan
• Get balance information about about checking, savings, certificate of deposit or line of credit
• Get transaction history about checking, savings, certificate of deposit or line of credit

Bill payment service - types of transfers - You may access this service by computer at www.premierbanksonline.com and using your User ID and Password.  You may access this service to make payments from your checking account(s) to any payee.

Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers.

ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Savings and Cash Management account(s):

During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction.  No more than three of the six transfers may be made by check, draft, debit card (if applicable) or simliar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Security limitations - For security reasons, there are other limits on the number of transfers you can make using our terminals and point-of-sale transfer service.

Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using one of our automated teller machines or point-of-sale terminals.   However, you may not get a receipt if the amount of the transfer is $15 or less.  Your continued use of the card and/or code acknowledges acceptance of these account terms.

Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

• The person or company making the deposit will tell your every time they send us money.
• You can call us at (217)243-0660 during regular business hours or the 24 hour voice response system at 1-877-965-3344 to find out whether or not the deposit has been made.
  

Periodic statements - You will get a monthly account statement from us for your checking account(s).  You will get a monthly statement from us for your savings account(s), unless there are no transfers in a particular month.  In any case, you will get a statement at least quarterly.

Right to stop payment and procedure for doing so - If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed below in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

• We will charge you $20.00 for each stop-payment order you give.

Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Liability for failure to make transfers. 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 you have an overdraft line and the transfer would go over the credit limit.
• If the automated teller machine where you are making the transfer does not have enough cash.
• 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 complete 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
• As explained in the separate Privacy Disclosure, provided separately.

Consumer liability.
(1) Generally, tell us AT ONCE if you believe your card and/or code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check.   Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.

 If you do NOT tell us within two(2) business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using our card and/or code without your permission if you had told us, you could lose as much as $500.
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 periods.

(2) Additional Limit on Liability for VISA® Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA® Check Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number, which are not processed by VISA®, or to commercial cards.

Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed below.   You should also call the number or write to the address listed in below if you believe a transfer has been made using the information from your check without your permission.

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, 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 determine whether an error occurred 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 new account) 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 if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) 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 transfers involved a point-of-sale transaction and 20 business days if the transfer involved a new account) 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. 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.

We will tell you the results within three 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.

If you have inquiries regarding your account, please contact us at:

PREMIER BANK OF JACKSONVILLE
CUSTOMER SERVICE
1604 W. MORTON AVENUE
JACKSONVILLE, ILLINOIS 62650
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (217) 243-0660
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST