Terms & Conditions

BUSINESS BILL PAY-E PLUS
AGREEMENT AND DISCLOSURE

This is your bill paying agreement with First National Bank – McHenry.

You may use First National Bank of McHenry’s bill paying service, Business Bill Pay-e Plus,
to direct First National Bank – McHenry 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".

ACCESSING THE SERVICE

•When you complete your bill paying enrollment form, you will be assigned a User I.D. and
a Personal Identification Number (PIN).

•First National Bank – McHenry will make every effort to accommodate your request.

•Each time you access the service, you will be asked to enter your User I.D. and PIN.

•Three (3) incorrect login attempts will cause the account to be locked out.

HOW TO SET UP PAYEES/PAYMENTS

•If you want to add a new "PAYEE", select the "Payee" tab located in your Bill Pay
application or speak to a service representative.

•You may add a new fixed payment to a "Payee" 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.

•First National Bank – McHenry reserves the right to refuse the designation of a "Payee" for
any reason.

•You may pay any "Payee" within the United States (including U.S. territories and APO’s).

•First National Bank – McHenry is not responsible for payments that can not be made due to
incomplete, incorrect, or outdated information.

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 First National Bank – McHenry, is currently 2:00
Central Time.

A single payment submitted after the cut-off time on the designated process date will be
processed on the next 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 Before" 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 After" option is selected, 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.

SINGLE AND RECURRING PAYMENTS

The system will calculate the Estimated Arrival Date of your payment. This is only an
estimate. Please allow ample time for you payments to reach your "Payees".

CANCELLING A PAYMENT

A bill payment can be changed or cancelled, anytime prior to the cutoff time on the
scheduled process date.

AVAILABLE FUNDS

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.

•First National Bank – McHenry reserves the right, without liability, to reject or reverse a bill
payment if you fail to comply with the above requirement or any other term of this
agreement.

•If you do not have sufficient funds in the account and First National Bank – McHenry 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 First National Bank – McHenry, at its option, may charge any of your
accounts with the First National Bank – McHenry to cover such payment obligations.

First National Bank – McHenry 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 First National Bank –
McHenry 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.

•First National Bank – McHenry is not responsible for a bill payment that is not made if you
did not properly follow the instructions for making a bill payment.

•First National Bank - McHenry is not liable for any failure to make a bill payment if you fail
to promptly notify First National Bank – McHenry after you learn that you have not received
credit from a "Payee" for a bill payment.

•First National Bank – McHenry 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 First National Bank - McHenery's agent.

•In any event, First National Bank – McHenry 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 First National Bank – McHenry has knowledge of the
possibility of them.

•First National Bank – McHenry 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 First National Bank - McHenry's
reasonable control.

AMENDMENT TERMINATION

First National Bank - McHenry has the right to change this agreement at any time by notice
mailed to you at the last address shown for the account on First National Bank - McHenry's
records, by posting notice in branches of First National Bank – McHenry, or as otherwise
permitted by law.

•First National Bank – McHenry has the right to terminate this agreement at any time.

•You may terminate this agreement by written notice to First National Bank - McHenry.

•First National Bank - McHenry is not responsible for any fixed payment made before the we
have a reasonable opportunity to act on your termination notice.

•You remain obligated for any payments made by First National Bank – McHenry on your
behalf.

SERVICE FEES

The fee for the Bill Paying Service is: $ 9 per month, for 20 monthly payments. Payments
exceeding 20 per month are billed at .50 each.

When a payment you have scheduled is processed (see "The Bill Paying Process"), funds
sufficient to cover the payment are removed from your account with First National Bank –
McHenry for transmittal to the designated Payee. In lieu of fees in addition to those listed
herein, once the funds are removed for processing, you will no longer earn, receive, or
otherwise be entitled to any interest, dividends, or other return on, or compensation for, the
funds removed.

Additional charges for customer requested services and other items are listed below. There
will be No Charge for any item if needed to correct a First National Bank – McHenry error.

•Written Correspondence to "Payee": $10
•Per proof of payment not necessitated by a dispute: $10
•Payments returned due to customer error: $5
•ACH Return Fee: $25
•Express Mail correspondence: $25
•Overdraft Fee: $25

First National Bank – McHenry 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 received when you opened your account, which discloses important
information concerning your rights and obligations.