Print Disclosure

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. 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.


By selecting the "I Accept" button below, you are (1) acknowledging  your receipt of the information listed below, (2) agreeing that any contract you enter into with Best Hometown Bank for the provision of certain On-line Banking Services, may be in electronic form, and (3) agreeing that certain Information that may be delivered in connection with the Services may also be in electronic form.

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

*We may provide you with this Agreement and any revisions and amendments thereto in electronic form, and that, if you choose to accept the Agreement, you are consenting to enter into and are entering into an agreement electronically that will govern all future transaction you conduct using the Service.

*We may provide you revisions and amendments  to the Agreement and such other information, including but not limited to Information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the Service, electronically  as a part of the Agreement or otherwise as a part of the Services. While you may print and retain a copy of the Agreement or any information provided to you in relation to the Service, we only provide these documents electronically.

*You have a right at any time to withdraw, without service charges, your consent to receive information electronically. However, because the Agreement and the Information are provided only in electronic format, your withdrawal of consent will terminate all the Services.

* If you wish to withdraw consent to receive information electronically, to terminate the Services, or to update your information such as a change of address, or email address, you may call Best Hometown Bank at (618) 345-1121, or write a letter and send it to:

Best Hometown Bank
Attention: Customer Service
100 East Clay Street
Collinsville, IL 62234

*You are able to access information that Is provided in the same manner as the information and the Services via the
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 Best Hometown Bank account from which you will be conducting transactions using a Service. "Business Day" refers to Monday through Friday, 8:30a.m. to 5:00p.m. CST, and Saturday 8:30a.m. to 1:00 p.m.,
excluding holidays as determined by Best Hometown Bank.  All On-line transaction requests received after the Business Day, or on a non-Business  Day, will be processed Immediately, but will not post to accounts until the following Business Day after checks processed  during nightly processing.

"Password" is a series of numbers and/or letters that you select after the initial sign-on, which establishes your connection to the Service. Best Hometown Bank will provide you with a code for use during the initial sign-on process.

"Payment Initiation Date" is the date you enter into On-line Banking when setting up a bill payment. "Time of day" references are to Central Standard Time.
'We," "us" "ou· or "Best Hometown Bank" refer to Best Hometown Bank, which offers the Services provided under
this Agreement and holds the accounts accessed by the Services.


Best Hometown  Bank will provide on-line instructions describing how to use the On-line Banking Service or Bill
Payment  Service. To gain access to this Service you will need your Access ID and your Password.


The Services are generally available 24 hours a day, 7 days a week, except during special maintenance and upgrade periods, which are scheduled between 11:00 pm CT Wednesday  to 5:00 am CT Thursday, and 11:00 pm CT Sunday to 5:00 am CT Monday.


The safety of our customers' accounts and account information  is of paramount  importance to Best Hometown Bank. We go to 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 your Best Hometown  Bank User-ID, up to the limits allowed by applicable  law. While Best Hometown Bank continues to provide our customers  with the level of on-line security we believe necessary  and appropriate, customers who share their User-IDs and Passwords are giving up the full benefit of our security measures  and legal protections to which they may be entitled. No Best Hometown Bank representative  will ever call and ask for your Access ID or User Password.


If your Password has been lost or stolen, call Best Hometown Bank immediately  at (618) 345-1121, between 8:30am and 5:00pm Monday-Friday. Telephoning Best Hometown Bank is the best way of minimizing  your losses. You may also restore the security of your Service by immediately  changing your Password. If you believe your Password has been lost or stolen and you notify 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 to conduct unauthorized  electronic funds transfers without your permission. If you do NOT notify 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 to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.


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

*Transfer funds among your linked checking, savings, money market, and loans.

NOTE: Because regulations require Best Hometown Bank to limit pre-authorized transfers (including  On-line Banking transfers), the following limitations apply:

*Money Market Savings Account-- You can make no more than six (6) transfers per statement period by pre­ authorized or automatic transfer or by telephone or On-line Banking, and no more than three (3) of these may be by check, draft or debit card.

New services may be introduced for On-line Banking from time to time. Best Hometown 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.


You will continue to receive your regular account statement either monthly or quarterly, depending on the type of


If your stalement  shows transfers that you did not make, notify Best Hometown Bank immediately  at (618) 345-1121, or write a Jetter and send it to:

Best Hometown Bank
Attention: Customer Service
100 East Clay Street
Collinsville, IL 62234

If you do not notify Best Hometown 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 Best Hometown Bank had been notified in time.


In case of errors or questions regarding  an On-line Banking or Bill Payment transaction, you may call Best Hometown
Bank at (618) 345-1121, or write a Jetter and send it to:

Best Hometown Bank
Attention: Customer Service
100 East Clay Street
Collinsville, IL 62234

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

w  Your name and account number
*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 after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar 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

If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days.

If we determined that no error occurred, we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in the investigation.

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


Best Hometown Bank agrees to make reasonable  efforts to ensure full performance of On-line Banking. Best Hometown Bank 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 the bank has no direct control. This includes but not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or

timeliness of messages  you send. Best Hometown 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 Best Hometown Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Best Hometown 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.

Best Hometown Bank is not responsible  for any fees incurred for Internet access, or for any computer virus or related problems that may be atlributable  to services provided by any Internet access service provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and sofiware
necessary for performing On-line Banking. Best Hometown Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or sofiware.

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


Best Hometown 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 Best Hometown Bank, you do not have enough money in your account to make the transfer
*Through no fault of Best Hometown Bank, the transaction would have caused you to exceed your available credit
*Circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, 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 Best Hometown
Bank immediately
*You have not properly followed the scheduling  instructions, included in this Agreement, to make a transfer or the
Payee refuses the Service.
* For the failure of any payee to correctly account  for or credit the payment in a timely manner
*We have received incomplete or inaccurate information from you or a third party involving the account or transfer.
* For changes to the payee's address or account number (unless you have advised us of the change within three (3) Business Days in advance)
*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.


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

You should not rely on electronic mail if you need to communicate with Best Hometown 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 Best Hometown 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 Best Hometown Bank shall be considered  received within three (3) days of the date sent by Best Hometown Bank, regardless  of whether or not you sign on to the Service within that time frame.



Internet banking alerts allows you to set up automated alert events based on your own criteria to be alerted upon. Alerts may be sent via email or in an online message box within Internet banking, or both. Email alerts will be sent to the email address you provide in creating the alert.

•      The bank may add or remove types of alerts from time to time.
•      If you change your email address you are responsible for changing this in the alerts you have already set up.
•      You agree that alerts may be delayed or prevented for a variety of reasons.
•      We do not guarantee the delivery or validity of the contents of any alert.
•      You agree that we shall not be liable for any delays, delivery failure or misdirected delivery of any alert.
•      You agree that we shall not be liable for any actions taken or not taken by you or anyone else in reliance of an alert.
•     The bank will never include your password or full account number in an email alert; however you understand that alerts may include your name and some information  about your accounts.
•      Unfulfilled events (events that do not happen) will only remain on the system for 999 days. You will not be notified when they are removed.

Distributed events (events that have happened and have been viewed) will remain on the system for 30 days.


In addition to this Agreement, you and Best Hometown Bank 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 open your accounts at Best Hometown 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, the Truth in Savings, Regulation E Disclosure, Depositor's Agreement and Terms and Conditions apply to this Service.


Best Hometown 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.


A copy of Best Hometown Bank's Consumer Privacy Statement is available upon request at any of our branches, or can be mailed to you upon request by calling Best Hometown Bank at (618) 345-1121, or writing a letter and sending it to:

Best Hometown Bank
Attention: Customer Service

100 East Clay Street Collinsville, IL 62234

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


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 180 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 Best Hometown Bank. Your notification should include your name, address and the effective date to stop the service(s). When Bill Payment is terminated, any pre-scheduled bill payments made through On-line Banking will also be terminated. Your final charge for the Bill
Payment Service will be assessed at the end of your statement cycle. You may notify Best Hometown  Bank by one of the following methods:

* By initiating a customer inquiry through our Web site
*By calling (618) 345-1121
* By writing a letter and either sending it to:

Best Hometown Bank
Attention: Customer Service
100 East Clay Street
Collinsville, IL 62234


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


Best Hometown Bank offers the benefits and convenience  of the On-line Banking service to you at no monthly charge. Account research, stop payment charges and Bill Pay Services will be assessed at the rates published in Best Hometown Bank's Miscellaneous Schedule Fees Brochure and deducted from your Bill Pay Account or another account you hold at Best Hometown Bank.

These fees are subject to change. Best Hometown Bank will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.

Last Revised: July 1, 2016