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Online Banking Login

Online Banking Login

Personal Internet Banking Agreement and Disclosure Statement

On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act (E-Sign Act) to ensure the legality of electronic contracts. Before obtaining products or services electronically through Suburban Bank and Trust Company you must read and accept this agreement. Your consent to this agreement covers all of your transactions relating to the product or service that you agree to obtain electronically.

This agreement states the terms and conditions that apply when you use the Suburban Bank and Trust Company, (herein referred to as "SBT") Online Banking service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you may obtain from us in the future. You must also follow all of our instructions and procedures applicable to the services covered by this agreement. "You", "I" and "your" mean each person who establishes an Online Banking Customer Account with us or who uses or is authorized to use an Online Banking Access ID and "Password" or other means of access we establish or approve. The term "Online Banking" means our Personal Online Banking, Bill Payment, and Electronic Delivery of Statements and Disclosures services that you access over the internet, by use of a personal computer, modem and/or other means we authorize or allow.

(1) ONLINE BANKING FEATURES

Suburban Bank and Trust's Internet Banking service provides you the following features:

  • Electronic enrollment
  • Secure login
  • Real-time account balances and information
  • Express transfer
  • Schedule transfer
  • Customizable account nicknames
  • Security data
  • Web Connect™ for Quicken
  • Two year statement history (text only)
  • Three months statement history (text and images) with eStatement
  • View and print front and back of check images for the past 18 months.
  • Mobile Banking
  • Account Alerts. (Receive information on your accounts via automated email message)

Bill Pay (Optional)

  • Make payments to designated payees
  • Transfer funds from your SBT account to your accounts at different financial institutions
  • Transfer funds from your SBT account to another person's account at a different financial institution
  • Send gift checks
  • Email reminders
  • View and print 18 months of Bill Payment history

eStatement (Optional)

  • Receive your statements and disclosures through the convenience and security of online banking.

(2) SYSTEM AND SOFTWARE REQUIREMENTS

You are responsible for the purchase, installation, maintenance and security of any software of hardware that is needed to access Online Banking. You agree to use a reputable antivirus and antispyware software program on your computer and update such antivirus and antispyware software on a regular basis. SBT is not responsible for any errors or issues that arise from the malfunction or failure of either the hardware or software.

To print the Online Banking Agreement and/or account information you must have access to a printer.

In order for you to access and retain records in connection with Online Banking and Bill Pay services, you must have access to a computer with access to the internet that meets the following requirements:

Supported Browsers

This list refers to production versions of publicly released browsers that are compatible with SBT's Online Banking system. You must meet the operating system and hardware requirements stated by the developers of each supported browser. Browsers are tested and qualified with Online Banking, not the operating system or hardware platforms they run on. The versions listed below are the minimum required, but it is recommended that you update to the latest versions.

Microsoft® Windows

  • Microsoft Internet Explorer (IE) 7.0 or higher.
  • Mozilla Firefox 3.0 or higher.
  • Opera version 9.0 or higher.

Linux®

  • Opera version 9.0 or higher.

Apple/MAC®

  • Mozilla Firefox 3.0 or higher.
  • Mozilla Camino 1.0.3 or higher.
  • Opera version 9.0 or higher.
  • Apple Safari 3.0 or higher.

Unsupported Browsers

Any browser that is not listed in the Supported Browser list is unsupported. This means there is the possibility that some or the entire Online Banking features may not function properly on an unsupported browser.

(3) ONLINE ACCOUNT OWNER INFORMATION

You must be the owner of the account(s) and you must have signature authority to be able to view these account(s).

(4) ONLINE BANKING ID AND PASSWORD

To access our Online Banking service, you must use your Access ID together with a Password. It is your responsibility to safeguard your Access ID and Password. Anyone to whom you give your Access ID and Password will have FULL access to your accounts, including the ability to view your transactions, check images, and transfer funds - even if you attempt to limit that person's authority.

(5) MOBILE BANKING

SBT offers the ability to access Online Banking through a mobile device such as a cell phone.

Mobile Banking Fees: SBT does not charge a service fee to use Mobile Banking. However your mobile phone carrier may assess a service fee for accessing the internet or to receive text messages. You are responsible for any costs associated with internet access and text messages on your mobile device.

Mobile Banking Requirements: To access Mobile Banking you must have a mobile phone that is internet enabled and you must be enrolled in Online Banking with Suburban Bank & Trust. You are responsible for providing your own mobile phone and software (if applicable) to access this service. You may enroll in Mobile Banking by logging into online banking and accessing Options and completing the Mobile Banking Enrollment section. You will be prompted to enter the following information:

Mobile Phone Number – Include area code. You can only enroll one phone.

Carrier – Choose your mobile phone carrier from the drop-down box.

Confirm Mobile Banking PIN – Enter a four digit numeric personal identification number. This number is chosen by you at this time and is used only for Mobile Banking.

You will be sent a text message to your mobile device with a link to access Mobile Banking.

It is recommended that you periodically check with your mobile phone carrier to see if there are software and security updates for your mobile device.

Mobile Banking is available on the following mobile phone carriers:

  • Alltel
  • SunCom
  • AT&T
  • T-Mobile
  • Cingular
  • US Cellular
  • Cricket
  • Voice Stream
  • Nextel
  • Verizon
  • Sprint

Mobile phone carriers generally offer multiple plans and mobile devices to their customers. Please understand that SBT cannot answer technical questions regarding the operation of your mobile device, its internet capability, or software. We may ask that you contact your mobile phone carrier if you have any questions of this nature.

(6 ) ONLINE SECURITY

SBT will NEVER contact you to ask for your Access ID or Password. If you are approached by anyone to provide your Access ID and Password, DO NOT PROVIDE THIS INFORMATION. Contact the Bank immediately, as you could be the victim of attempted fraud or identity theft. You can contact us by calling our 24-Hour Automated Banking Hotline, 877.279.1300, or through the Contact Us feature on the SBT homepage, www.SBTBankNow.com.

At Suburban Bank and Trust Company, we understand the importance of the responsibility that our customers have entrusted to us. Data security is provided on multiple levels: by firewall, intrusion detection software, network monitoring, application level security and company policy.

Layered Authentication: This security feature is designed to protect the privacy and security of your personal information. The display of the Authentication image and pass phrase verifies you are at our Web Site, not a fraudulent look-alike site. The Challenge Questions/Answers are used to identify you and prevent unauthorized access to your information. Registering the computer(s) you normally use to access your information provides additional security to verify your identity.

The image or picture is defaulted and cannot be changed during the establishment of Layered Authentication. Once you have completed the authentication process, you may select another image from the Change Security Data on the Online Banking Options button.

  • The email address appears as stored in Online Banking. If this area is blank, enter your valid contact email address and confirm it. If the email address displayed is invalid, it can be corrected after completing the Layered enrollment and you have access to your accounts. To correct your email address, select "Change Email Address" from the Options button and complete the required information.
  • Enter an Authentication Pass Phrase you will recognize during future logins, up to 100 characters.
  • Select each Challenge Question and provide your answer, up to 83 characters. The Challenge Questions may be used to authenticate the user when accessing Online Banking from a non-registered computer.
  • Select an option to register the computer you are currently using. The first option, "This is a Personal Computer. Register it.", is selected for the computer used most often to access your accounts via Online Banking. You may register more than one computer. The second option, "This is a Public Computer. Do Not Register it.", is selected when you are accessing your accounts from a computer used for a one-time access, such as from an Internet café or library.

Firewall: A firewall serves as a security gate between the internet and our network that inspects data passing through it, and denies or permits passage based on a set of rules. By intercepting the data first, the firewall ensures that only data permitted by our rule set may be passed beyond the public internet to our secure web commerce server, and ultimately to the Online Banking application.

Secure Socket Layer: We use the (SSL) Secure Socket Layer encryption technology for everything you do in the Online Banking system. This technology is automatically activated by your browser when it attempts to connect to our Service. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock on your screen from open to locked. What this means is that your communications are scrambled from your browser to our servers at all times so that no unauthorized party can read the information as it is carried over the internet.

(7 ) ELECTRONIC MAIL (E-mail)

One way we may communicate with you is through email, by sending us an email or otherwise providing us with an email or text message address. We may respond to your request by email, but we will never send you an email to ask confidential information about your account. Furthermore, you cannot use an email message to conduct transactions on your accounts.

(8) CHANGE OF EMAIL ADDRESS

You must notify us of any changes to your Email address. You may notify us through the Contact Us feature on the SBT homepage, www.SBTBankNow.com, or in person at any SBT branch office.

(9) LIMITS ON ONLINE BANKING TRANSACTIONS

You must have available funds or available credit in any account from which you instruct us to make a payment or transfer. For savings and money market accounts you can make up to six (6) transfers or withdrawals by means of check, pre-authorized automatic, or telephonic transfer to another account of yours or to a third party during any calendar month (or statement cycle of at least (4) weeks.) A pre-authorized transfer includes any arrangement with us to pay a third party from your account at: (1) a predetermined time, (2) on a fixed schedule, (3) upon oral or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you.

The specified period for savings accounts is the monthly statement period. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement. You also agree to the Terms & Conditions of Your Deposit Account that you received when you opened your deposit account and any subsequent amendments to that agreement.

(10) YOUR LIABILITY AND INDEMNITY

You warrant that you will perform your obligations under this Agreement consistent with all applicable Bank rules and regulations and that all information that you provide us is accurate, timely, and has been authorized by you, and in the event that you breach any of the forgoing warranties, you agree to indemnify the Bank against any loss, liability, or expense. You agree to indemnify and hold the Bank harmless for any and all acts of any employees or persons who you grant access to or who gain access your Online Banking account. You consent, by execution of this Agreement, to disclosure of your customer information to those that gain access to your accounts. Use of these Services is at your own risk. You are responsible for the installation, maintenance, and operation of your computer and browser software, anti-virus software and personal computer firewall. The risk of error, failure, or nonperformance is your risk and includes the risk that you do not operate the computer software properly. We make no warranty to you regarding the computer software, including any warranty of merchantability or fitness for a particular purpose. We are not responsible for any errors or failures from any malfunction of your computer or the software. We are not responsible for any electronic virus or viruses that you may encounter. We are not responsible for any computer virus or related problems that may be associated with the use of the online services. We have no liability to you for any damage or any other loss directly or consequential, which you may suffer or incur by reason of your use of the computer or software. We encourage our customers to routinely scan their PC, including external storage mediums such as floppy disks or USB drives, using a reliable anti-virus product to detect or remove any viruses. Undetected or un-repaired viruses may destroy your programs, files and even your hardware. Additionally you may unintentionally transmit the virus to other computers. In addition to reliable anti-virus software we also encourage our customers to purchase and employ a reliable firewall on your computer that will protect your computer from intrusion while you are connected to the internet. You are solely responsible for the proper installation, configuration, and maintenance of the intrusion detection system you employ.

(11) BUSINESS DAYS

Our Internet Banking service is generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days, which are Monday through Friday, excluding federal holidays.

Service Type Time for Same Business Day

Express Transfer 6:00 p.m. CST

Scheduled Transfer1 6:00 p.m. CST

Recurring Transfer1 6:00 p.m. CST

Schedule Bill Pay 2:00 p.m. CST

Cancel Bill Pay 2:00 p.m. CST

1 Due to account processing there may be a delay when the funds will be credited to the deposit account. This feature should only be used for future dated transfers.

There may be times when the system will be unavailable due to routine system maintenance. This is usually done on the weekend at midnight, but can change due to special circumstances. If the system is unavailable for a prolonged period of time we will post a notice on our website stating the times the system is expected to be unavailable.

(12) STATEMENTS

Statements are a valuable tool to help prevent fraudulent or mistaken transfers. Your statement will show transactions that occurred in connect with your account during the statement period. Your statement will provide sufficient information for you to reasonably identify the items paid (item number, amount, and date of payment). You should keep a record of each transaction as it is made so that when we give you the information in the statement, you will have a complete understanding of each transaction listed.

You have certain responsibilities in connection with your statement. You must examine your statement with reasonable promptness. Also, if you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you must bear the loss entirely yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss). The loss you might bear, in whole or part, could be not only with respect to items listed on the statement but also other items with unauthorized signatures or alteration by the same wrongdoer. Upon notification the Bank will open an investigation and notify you of the outcome.

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but you will not, in any circumstances, have a total of more than 30 days from when we first send or make the statement available to you.

You further agree that if you fail to report any unauthorized signatures, alterations, or any other errors in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement. This 60-day limitation is without regard to whether we exercised ordinary care. The limitation in this paragraph is in addition to those contained in the second paragraph of this section.

Contact us by calling our 24-Hour Automated Banking Hotline, 877.279.1300 if you do not receive your regular statement or to report any irregularities.

(13) CHARGES FOR TRANSACTIONS

You agree to be charged for any applicable Online Banking fees as listed in Bank's fee schedule. We reserve the right to change our fee schedule from time to time and your account will be charged in accordance with the new fee schedule after giving you proper notification. All Bill Payment fees will be assessed to your designated Bank checking account.

(14) UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR ONLINE BANKING ID OR PASSWORD

If you believe your Online Banking ID or Password or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at 877-279-1300 or write to us at:

Suburban Bank and Trust Company

Attn: Internet Banking

PO Box 419

Elmhurst, IL 60126

Immediately contacting us by phone is the best way of reducing your possible losses, since not all email may arrive at their destinations in a timely manner. If you wish to send us a secure email, please click on the Contact Us option on our website, www.SBTBankNow.com. We will send email back to you as confirmation that we did receive your communication. Because unsecured email can be intercepted and read, we strongly suggest that you only use our secure email as mentioned above. If you choose not to use our secure email we suggest you do not include any of your account or social security numbers within your email. Your name, address, daytime phone number, and a brief message description of the problem is all we will need. If you notify us of a loss, your liability for unauthorized transactions or payments will be as follows:

  • If you contact us within two business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone used your Access ID and Password without your permission.
  • If someone else used your Access ID and Password without your permission, you could lose as much as $500 if you do not contact us within two business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.
  • If your statement shows transfers or payments that you did not make, notify us at once. If you do not tell us within sixty (60) days after the first statement showing such a transfer was mailed to you, you may not get back any funds lost after the 60 days, if we can prove your contacting us would have prevented those losses.
  • If you have given someone your Access ID and Password or other means of access and want to terminate that person's authority, you must change your identification number and Password or other means of access or take additional steps to prevent further access by such person.

(15) ERRORS AND QUESTIONS

In case of errors or questions about your electronic transfers call us at 877-279-1300 or write us at:

Suburban Bank and Trust Company

Attn: Customer Service

PO Box 419

Elmhurst, IL 60126

If you wish to send us a secure email, please click on the Contact Us option on our website, www.sbtBankNow.com.

Notify us immediately if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 30days after we sent the FIRST statement on which the problem or error first appeared. (1) Tell us your name and account number. (2) 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. (3) 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 (20 business days for new accounts) 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 new accounts or 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 (20 business days for new accounts) for the amount you think is in error, so that you will have 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 30 days after the first deposit is made, if you are a new customer. 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.

Disclosure of Account Information to Third Parties: We may disclose information to third parties about your account or the transactions you make: (a) where it is necessary for completing transactions or resolving errors involving the Services; or (b) in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or (c) in order to comply with government agency rules, court orders, or other applicable law; or (d) to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or (e) if you give us permission.

BILL PAYMENT SERVICES

You may use Suburban Bank and Trust and Company's Bill Pay service to direct Suburban Bank and Trust to make payments from your designated checking account to the "Payees" you choose in accordance with this agreement.

(16) BILL PAY ELIGIBILITY

The Bank has enacted certain eligibility standards that all customers must meet before access to the Bill Pay system will be granted. If the customer is denied the use of a debit card they may be ineligible for the Bill Pay service for a period of six months. If access to Bill Pay is denied, the Bank, at the customer's request, will review Bill Pay eligibility six months after the date the application was received and make a determination if access to the Bill Pay services will be granted at that time. The Bank reserves the right to deny access to the Bill Pay service if the service is abused by the customer or any other reason the bank deems necessary. If the service is to be deactivated the customer will send notice by U.S. mail as to the deactivation date. It is the customer's responsibility to make other arrangements for payments if deactivation of Bill Pay will occur. The Bank will not be held liable for any missed payments and/or fees due to deactivation of the Bill Pay services.

(17) BILL PAY ENROLLMENT

To enroll in Bill Pay you must be a signer on an SBT checking account that is accessible through the online banking system. If these requirements are met we will provide you with the link to enroll in the Bill Pay service. You are not required to use Bill Pay to have access to Online Banking.

The Bill Pay link is located in the bottom section of the screen after you log in. If you have not enrolled in Bill Pay you will need to access the link, "Click here to complete Bill Pay enrollment" and follow the prompts to enroll. After you have enrolled, the link will be the last three digits of your primary account number.

(18) 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.
  • SBT 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 Army Post Offices).
  • SBT is not responsible for payments that can not be made due to incomplete, incorrect, or outdated information.

(19) THE BILL PAYING PROCESS

Single Payments - a single payment will be processed on the business day (generally Monday through Friday, except federal 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 Bank, is currently 2:00 p.m.

Please note: if there is a large volume of payments to be processed the cutoff time may be earlier than 2:00p.m. This may occur without prior notification.

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 federal 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 federal holidays), it is adjusted based upon the following options:

  • 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.

(20) SINGLE AND RECURRING PAYMENTS

The system will calculate the Estimated Arrival Date of your payment. This is only an estimate. As a rule of thumb please allow at least five (5) business days, prior to the due date, for your payments to reach your "Payees".

(21) CANCELLING A PAYMENT

A bill payment can be changed or cancelled, anytime prior to the cutoff (2:00 p.m.) time on the scheduled process date.

(22) 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 Bank.

  • SBT 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 SBT has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand, and any and all related fees.
  • You further agree that SBT, at its option, may charge any of your accounts with SBT to cover such payment obligations.

(23) LIABILITY

  • 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 SBT and change your Access ID and Password.
  • You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
  • SBT is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.
  • SBT is not liable for any failure to make a bill payment if you fail to promptly notify the SBT after you learn that you have not received credit from a "Payee" for a bill payment.
  • SBT 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 SBT 's agent.
  • In any event, SBT 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 SBT has knowledge of the possibility of them.
  • SBT 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 SBT's reasonable control.

(24) TERMINATION OF BILL PAY SERVICE

Suburban Bank and Trust has the right to change the Bill Pay agreement at any time by notice mailed to you at the last address shown for the account on SBT 's records, by posting notice in branches of the bank, or as otherwise permitted by law.

  • SBT has the right to terminate the Bill Pay agreement at any time.
  • You may terminate this agreement by contacting SBT either by phone, in person, or writing. Any Bill Payments that are pending at the time the service is terminated.
  • SBT is not responsible for any fixed payment made before SBT has a reasonable opportunity to act on your termination notice.
  • You remain obligated for any payments made by the Bank on your behalf.

(25) SERVICE FEES

Bill Payment Service is provided free of charge providing the service is utilized at least once during the bill payment cycle. After three (3) consecutive months of bill payment inactivity, SBT will assess an inactivity fee to your designated account. See the Service Charge Schedule for current fees that may apply to your accounts. SBT reserves the right to charge you for research time. You will be informed of any such charges before they are incurred.

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 the Bank for transmittal to the designated Payee. 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.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfer disclosure you received when you opened your account, which identifies important information concerning your rights and obligations.

Electronic Delivery of Statements and Disclosures

SBT offers the option of receiving your account statements and disclosures electronically instead of through the mail. By choosing to take part in this service you are authorizing SBT to deliver your statements and disclosures to your online banking profile, email, or both.

(26) SBT ESTATEMENT

With an SBT deposit account, you will have the ability to retrieve your monthly account statement, check images (if applicable), and account disclosures from your online banking profile. An Email will be sent to the last electronic address that you have provided to notify you that your statement is ready to be viewed.

You also have the ability to print your statement and images, as well as save them, to your personal computer.

(27) ESTATEMENT REQUIREMENTS

To receive and retain your SBT eStatements, all you need is a personal computer with Online access and Email capability, and you must be enrolled in our Online Banking program. To view your monthly checking account statement and check images, you will need Adobe Acrobat Reader or other software that can open a Portable Document Format (PDF) file.

(28) DISCLOSURES

Disclosures will be sent to the last electronic address that you have provided us. You must have access to a computer with internet access and Email capability to view your disclosures.

(29) DEFINIONS / AGREEMENT

The following terms are used in this Agreement and have the meanings given below:

This is an agreement to receive your deposit account statements and disclosures online. The disclosures that will be made available online include those that are currently located on the back of your statement. These include both the "In Case of Errors or Questions About Your Electronic Transfers or Point-of-Sale Transactions" disclosure and the "Credit Line Information" disclosure. Disclosures not mentioned, such as overdraft notices, account hold notices, etc., will continue to be mailed in paper form.

"edelivery@ecom.SBTBankNow.com" is the web address from which you will receive notification as to the availability of your deposit account statements and disclosures. This address is for our notification purposes only. Email correspondence regarding general online banking questions and requests for a printed copy of "Rules and Regulations Affecting Your Suburban Bank & Trust Company Deposit Account" disclosure, which you received during the account opening process, can be sent to onlinebanking@SBTBankNow.com.

"eStatement" is a visual text of your deposit account statement and check images displayed on your personal computer monitor.

"Electronic Communication" means a message transmitted electronically between you and us in a format that allows visual text to be displayed on equipment, for example, a personal computer monitor.

"Electronic Address" is your email address, which is not limited to receiving electronic communications transmitted solely by us.

(30) EMAIL NOTIFICATION

We will notify you via Email that your electronic statement and account disclosures are ready to be viewed. The Email notification will be sent to the last electronic address that you have provided. You must provide SBT with a working Email address at all times. Requests for changing an Email address are discussed below.

(31) UNDELIVERABLE ESTATEMENT & DISCLOSURE

eStatements are retrieved through the online banking system. If your online banking is deactivated due to inactivity, or cannot be made available for any other reason, your eStatement will be reverted to a paper statement and delivered via the U.S. Postal Service at the mailing address shown on our records. Disclosures are sent to the email address we have in our records. If the disclosure cannot be delivered by email we will send a paper copy to you via the U.S. Postal Service at the mailing address shown on our records.

(32) CHANGE OF EMAIL ADDRESS

You must notify us of any changes to your Email address. You may notify us through the Contact Us feature on the SBT homepage, www.SBTBankNow.com, or in person at an SBT branch office.

(33) ESTATEMENT FEES AND CHARGES

There are no fees or charges to transmit your eStatement notification to your electronic address.

(34) RIGHT TO WITHDRAW CONSENT

You have a right to cancel this Agreement and withdraw your consent to receive your account statements and disclosures online. We must receive notification of your intent to withdraw consent either by email (from the email address we have on file for you) or a signed letter of withdrawal.

MISCELLANEOUS

(35) CUSTOMER USAGE AND RESPONSIBILITIES

The customer warrants and covenants that he/she will use SBT's Online services for consumer, personal, or household purposes. The customer acknowledges that changes in technology, software, SBT policies and procedures, or other developments may require modifications of (or new or additional) customer hardware which you will be solely responsible for upgrading, at your sole cost and expense, if you desire to make continued use of the SBT's Online services.

(36) DISCLAIMER OF WARRANTY

Suburban Bank and Trust Company makes no warranties or representations with respect to Internet services, program, expressed or implied, including but not limited to implied warranties or fitness for a particular purpose.

(37) NOTICES & COMMUNICATION

Any required notice or other communication will be addressed and delivered to you, the customer, at the address on file with SBT, or via electronic mail. You, the customer, are responsible for notifying SBT of any change in physical, mailing, or email address.

(38) OTHER GENERAL TERMS

This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules, ACH Agreements and Wire Transfer Agreements. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts or the functions performed using "Personal Online Banking", this Agreement shall govern and prevail.

(39) WITHDRAW OF ONLINE BANKING SERVICES

You have the right to your Online Banking at any time and at no cost to you. If you withdraw, we will terminate your access to Online Banking, Bill Pay, and other online services. Further, if you withdraw from the Online Banking services, your bank statements will no longer be available online. Rather, we will begin to mail paper copies to you.

If you wish to cancel your Online Banking and/or Bill Pay service(s) you may do so by contacting the bank by phone at 877-279-1300, or write to us at:

Suburban Bank and Trust Company

Attn: Online Banking

PO Box 419

Elmhurst, IL 60126

(40) ONLINE BANKING INACTIVITY

For security purposes, if you do not use the online banking service for any consecutive three month period we will terminate your online banking service. If you have eStatements for any of your accounts and your online banking is deactivated due to inactivity your eStatements will be reverted to a paper statement.

We recommend that you print a copy of the agreement for your records.

I have read and ACCEPT the Terms of SBT's Personal Online Banking Agreement and Disclosure Statement.