Business Online Banking Additional Services Request

The enrollment form found on this page is for businesses that already have Online Banking. In order to add additional Online Banking services, you must already have an Online Banking account. If you have not already signed up for Online Banking and would like to, please enroll now for Business Online Banking.

To request additional services be added to your existing Online Banking complete the required information in the form. All of the information you provide must be accurate or your request will not be accepted. If we receive inaccurate information, you will receive an email notifying you to re-submit your online request again.

* Required Information

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  • To verify your identity, you must accurately enter your last statement balance in order for your enrollment to be processed. If you need your last statement balance, please call Customer Service. If you only have a loan, please enter your scheduled loan payment amount or last paid amount. If you only have a CD, please enter your CD's original balances.

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  • eDocs and eStatements Requested
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  • Mobile Deposit ($10,000 and 5 item daily limit. $10,000 and 25 item monthly limit.)
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  • Checking or Savings Account(s) to link to Mobile Deposit: At least one account number is required for Mobile Deposit Enrollment.

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  • Electronic Communications Disclosure

    Receiving the Agreement Electronically and Printing the Agreement

    You can consent to receive the Agreement and future notices relating to the Agreement, electronically by clicking on the “I Agree” checkbox below. Electronic notices relating to the Agreement will appear as a new message on the login screen when you login to Online Banking. In order to use Online Banking and to access, receive and retain notices electronically, you must provide at your own expense all necessary telephone lines, Internet or other connections and equipment needed to access the Online Banking service and to receive notices electronically. Your computer must meet the following minimum requirements: an operating system such as Windows NT, 2000, ME, XP, Vista or Win 7 or Macintosh OS 10.x; an Internet web browser with capabilities to support a minimum 40 to 128 bit SSL encryption such as Microsoft Internet Explorer 7.0 and higher, Firefox 3 and higher, Chrome 3.0 and higher for PCs using Microsoft Operating Systems; or Safari 3.0 and higher, Firefox 3 and higher, Chrome 4.0 and higher for Macintosh using OS 10.0.x; and Adobe Acrobat Reader® 6.0 or higher*. You confirm that your computer will meet these specification and requirements and will permit you to access and retain any notice electronically each time you access and use Online Banking. We will give you notice of any change to these specifications and requirements if the proposed change will adversely affect your ability to access and retain subsequent electronic notices from us. If you receive the Agreement electronically, you can print this Agreement by clicking here.

    *Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and in other countries. This product is not endorsed or sponsored by Adobe Systems Incorporated, publisher of Acrobat Reader.

    Receiving a Paper Copy of the Agreement and Future Notices

    You also have the right to receive a paper copy of the Agreement or any future notices. You may request a paper copy of the agreement or any future notices at no charge in one of the following ways: send an Electronic mail message (email), call us, or write to us with your name and mailing address. Be sure to state that you are requesting a copy of the Online Banking Agreement. If you are writing to us, please include your signature.

    Alpine Bank
    P.O. Box 6086
    Rockford, IL 61125-1086
    Email: ebanking@bankalpine.com
    Phone: 815-398-6500

    Withdrawing Your Consent to Receive Notices Electronically

    You can also contact us in any of the ways described in the preceding paragraph to withdraw your consent to receive any future notices or Agreements electronically. If you withdraw your consent, we will send all future notices to you in paper form, at no additional charge.

    Notifying Us of a Change in your Email Address

    You can notify us of a change in your email address by logging in to the Online Banking service (select Options and then fill in the appropriate field to change your email address) or by contacting us by phone or mail at our above contact information with your name and new email address. If you are contacting us by mail, please also include your signature.

    Retain Copies for Your Records

    We recommend that your print or download a copy of the disclosure, the Agreement and all other Communications to retain for your permanent records. If you are initiating the Online Banking enrollment process at one of our banking offices, the bank representative can provide you with paper copies.

    Agreement for Small Businesses/Organizations

    Before you use the Alpine Bank & Trust Co. Online Banking service, you must agree to the terms of its Online Banking Agreement  (called  the "Agreement" in this disclosure). The Online Banking service permits you to electronically initiate account transactions and communicate with Alpine Bank   & Trust Co. (the "Bank"). The Agreement contains the terms that govern your use of the Online Banking service. The Bank reserves the right to modify these terms and conditions at any time, effective upon publication. Your use of the Alpine Bank Online Banking services constitutes agreement to these terms and conditions, and any modifications thereof.

    DEFINITIONS

    I, Me, My, You, or Your – The customer(s) subscribing to or using Online Banking.

    We, Us, or Our – The Bank, and any agent, independent contractor, designee, or assignee that the Bank may involve in the provision of Online Banking.

    BUSINESS DAYS

    A “Business Day” is any day on which both (i) the Bank is open to the public for carrying on substantially all of its business and (ii) transfers are available through the Federal Reserve Banks, except that Saturdays, Sundays, and federal holidays will not be considered to be Business Days regardless of whether each of the preceding conditions is otherwise met. Federal holidays are generally those ten holidays observed by the Federal Reserve Bank. Note that the Bank, or branches of the Bank, may be open for business on certain federal holidays, but those dates will not be considered Business Days. Transactions initiated on a day other than a Business Day will be processed by the Bank on the next Business Day.

    PROCESSING TIME CUT-OFFS

    Processing time cut-offs are as described below. The particular transaction described must be completed and transmitted, in full, to the Bank before the designated time in order for the transaction to be processed by the Bank on that Business Day.  

    Service Description Time For Same Business Day Processing (Central Time)

    ·         Stop Payments- 8:00 PM CT

    ·          Transfers- 8:00 PM CT

    ·          iPay Biz & P2P – 2:00 PM CT

    ·          Mobile Deposit- 6:00 PM CT

    FEES FOR THE ONLINE BANKING SERVICE

    ·         $7.95 per month for iPay Biz service plus an additional $.50 per bill paid in excess of 10 per       calendar month.

    ·         Payroll Deposit- $2.50 per payroll batch

     

    FEES FOR EXPEDITED PAYMENTS-

    ·         $14.95 Overnight Delivery

    ·         $9.95 2nd Day Delivery (check payees)

    ·         $4.95 Rush payment (electronic payees)

    ·         Person to Person Payments (TheWayiPay)- The Bank will automatically deduct $1.00 from your account for each transfer initiated through the service at the time the transfer is requested.

    ADDITIONAL MISC. CHARGES-

    ·         Proof of payment (when not a dispute)- $10.00

    ·         ACH return payment- $10.00

    SERVICE HOURS

    Generally 24 hours a day, 365 days a year, although transactions will only be processed on Business Days.  Certain cut-off times apply, as described  herein. The Bank does not, however, guarantee continuous, uninterrupted access, and you understand that service may be temporarily unavailable as the result of power outages, hardware or software malfunctions, interruptions in communications, and hardware and  software maintenance and upgrades, or any other issue beyond the Bank’s reasonable control, and the Bank will not be liable for your inability to initiate transactions because of any of the foregoing conditions.

    PRIVACY STATEMENT

    Privacy is important to our customers. We have taken steps designed to insure security and privacy for your personal and financial dealings with the bank. Our customer privacy statement can be obtained at any time by contacting the Bank or by going to https://www.bankalpine.com/security-privacy.

    INTERNET SECURITY INFORMATION

    The Bank's Online Banking system utilizes a comprehensive security strategy designed to protect your accounts and transactions conducted over the Internet. In addition to its login security, the Bank uses the SSL (secure socket layer) encryption technology for everything you do in the Online Banking system. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small padlock icon at the top or bottom of the screen from open to locked. When locked, your communications are scrambled from your browser to our servers at all times to help prevent an unauthorized party from reading the information as it is carried over the Internet. We recommend the use of Internet Explorer versions 7.0 or higher. A listing of supported browsers can be found at https://www.bankalpine.com/troubleshooting  . Alpine Bank reserves the right to   block a browser for security reasons or change a supported browser at any time.

    During your use of the Online Banking system, the Bank will pass a "cookie" to your browser for the purpose of identifying you during the session. The Bank does not (and cannot) use its cookies to obtain new information about you or to read information stored on your hard drive. A "cookie" is a way for web sites to recognize whether you have visited the site before. It is a piece of data given to a browser by a web server, so that the browser will hand it back to the server on subsequent visits. When you log into the system, this cookie enables us to process multiple transactions during the session without you having to provide your user ID and password for each individual transaction. When you log off, or after ten minutes of inactivity, the cookie is no longer accepted and must be renewed by re-entering your password. A new cookie is used for each session. That way, no one can use the cookie to access your account. The Bank is not responsible for the security of the information stored on your personal computer. The Bank strongly encourages its customers to clear the cache on their computers immediately after conducting financial transactions over the Internet. Please use your browser help function for instructions on doing so.

    In addition to the security measures described above, there may be other security notices posted on the website regarding security issues. It is your responsibility to read all applicable notices. One of the main security features regarding the use of the Online Banking system is the unique combination of your user ID and password. It is important that you keep your password secret. The Bank will not be liable for any losses resulting from you permitting other persons to use your user ID and password to access the system or failing to clear the cache from your browser session. If you have more questions about our security systems for conducting transactions safely over the Internet, please contact us at 815-398-6500.

    BROWSER OPTIONS

    The Bank recommends your browser settings be set so your browser will check for new versions of Temporary Internet files every time you start your browser. If you need assistance with this setting, please contact us at ebanking@bankalpine.com or by phone at 815-398-6500.

    VIRUS PROTECTION

    The Bank is not responsible for any electronic virus or viruses that you may encounter. The Bank encourages our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files  and even your hardware. Additionally, you may unintentionally transmit the virus to other  computers.

    REGISTRATION PROCESS

    The Online Banking service requires that the customer complete the initial registration process. This involves completion of the enrollment form that will identify you to the Bank and provide certain information that it will need to enable the service. The Bank will verify the information you submit for accuracy and authorizations. In about two business days, you will be notified when your account will be activated.

    LOGIN SECURITY

    At the time you request the service, the Bank will provide you with a unique "User ID" and "Password" that will be used to gain access to the system. For Small Businesses, each Additional User will receive their own unique “User ID” and “Password” that will be used to gain access to the system. Prior to activation, the Bank will verify your identity and authorization to information associated with the accounts that you requested through the service. You must change your password on your first successful login.

    To help prevent unauthorized access and ensure the security of your accounts, the Bank will end your online session if it has detected no activity for 10 minutes. This helps protect you in the event that you accidentally leave your computer unattended after you have logged  on.

    Because your password is used to access your accounts and the Bank is entitled to act on instructions received under your password, you should treat it as you would any other sensitive personal data. You should carefully select a password that is hard to guess. Keep your password safe. Memorize your password and never tell it to anyone.

    Our online security feature allows us to identify the computer(s) you normally use to log on. To assist in preventing someone from accessing your accounts from an unknown computer, the Bank may occasionally need you to verify your identity when you login. This is done by answering security questions that you have already established during the initial login process when establishing your Online Banking account. The Bank will never ask you for your personally identifiable information such as your Online Banking password, in an email, over the phone, or in person. If this should occur, notify us immediately by calling Customer Service at 815-398-6500.

    ACCOUNTS

    You may request to access any account on which you are a signer or owner. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority over the account to be able to complete the transaction. By using the service, you agree to   maintain one or more accounts with us and to keep sufficient balances in your account to cover any transactions and fees that are ultimately approved by   or related to the system. The Bank will not be obligated to act on any withdrawal instructions from you if you do not have sufficient funds, including overdraft lines of credit, available in the account you designate. If the accounts added to the service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your ID and password are authorized unless the Bank has been notified to cancel the service. Once an account is added, regardless of which of the primary or secondary contacts is the owner, responsibility must be taken by all account holders for all transfers, withdrawals, bill payments, etc. Minor account owners will require the approval of the primary owner prior to debit transfer access being approved. The Bank reserves the right to refuse to make any transaction you request through Online  Banking.

    AUTHORIZED CALLER

    If you have designated an authorized caller, and if the Bank has accepted your designation of that authorized caller, you agree to accept responsibility of, and agree to hold the bank harmless for all activity that the authorized caller initiates, including but not limited to the resetting of your Online Banking password in the event it becomes locked.

    IPAYBIZ

    iPayBiz service allows you to:

    ·          Pay bills online from your Alpine Bank accounts

    ·          Set-up recurring payments (can be weekly, biweekly, monthly or bimonthly)

    ·          Set up tickler “alerts” when bills are due for payment

    ·          User customization -Delegate payment tasks as needed.

    ·          Dual signatures- Set dual account signature requirements.

    ·          Payroll Direct Deposit - Send payroll deposits to multiple accounts. Pay employees electronically.

    ·          Reporting - Create customized auditing reports.

    It is easy to pay bills online. Simply set up your Payees by choosing from our large database of electronic vendors that already exists. If your vendor is not listed in our electronic database, you may enter the Payee as a check payment. The Bank should be able to process payments to any payee that has a US Postal address.

    “Account” refers to your checking account, from  which your bills will be paid. The Bank reserves the right to modify these terms and conditions at any  time, effective upon publication.  Your use of bill payment services constitutes agreement to these terms and conditions, and any modifications  thereof.

    •     I agree to provide correct payee name, address, account information and payment amount. I understand that the payee name and or address may be changed in the event that a more efficient means of payment can be made.

    •     I agree to maintain sufficient funds in the funding account on the transaction date requested. I understand that when I request a bill payment to    be made, it is an on-demand item and therefore payable on demand. I agree to maintain sufficient funds in my account to cover the bill payments made until the item posts.

    •     I agree to notify the Bank or its authorized agent no later than 60 days after I receive the first statement on which I believe a problem or error occurred.

    •     I understand this service may not be used to transmit alimony, child support or other court-directed payments or tax payments.

    •     I hereby authorize the Bank or its authorized agent to make payments to creditors for me, as I may authorize by personal computer, and also authorize the Bank to post such payments to my account.

    •     I understand that the Bank or its authorized agent will use reasonable efforts to ensure payments reach creditors on time but cannot guarantee  the time a payment will be posted by a creditor. I also understand that the Bank or its authorized agent will not be responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.

    •     I agree to make a bill payment with the iPay Biz service once every 180 days to keep the service open and active.

    PAYMENT LIMITS

    The daily limit for the total dollars of payments approved is governed by the system's available balance in the checking account selected for making the payment. You can withdraw up to the system's available balance (plus your maximum overdraft line of credit, if you have one)as long as your account shows sufficient funds to cover your payments. Bill payments that you initiate are drawn on your checking account(s) like any other check that you write. NSF bill payments will be treated like any other NSF item presented to the Bank for payment. Repeated occurrences of NSF bill payments may result in suspension or cancellation of bill payment privileges.

    SCHEDULING PAYMENTS (Please note the following when scheduling bill payments through Online Banking)

    •     I understand that when I request a bill payment to be made, it is a requested-demand item and therefore payable on demand. I agree to maintain sufficient funds in my account to cover the bill payments made until the items post.

    •     Any payment scheduled after our cut-off time, 2:00 p.m. CT each Business Day, will not be sent out until the next Business Day.

    •    If the Bank has to send a paper check in the US Postal System, the Bank typically suggests a Payment date that is at least ten (10) full business days prior to the date that you would like the payee to receive the payment for processing at their address. The Bank is not responsible for postal delays. The Bank is also not responsible if the payment clears before the estimated Deliver By Date

    .•    If the payee accepts the payment electronically, the Bank generally suggests a Payment Date that is at least three to four (3-4) full business days prior to the date you would like the payee to receive the payment. The Bank is also not responsible if the payment clears before the estimated Deliver By Date.

    •    Our system assumes the payee/vendor will promptly process the payment on the business day it is received. Any delays caused by the payee/vendor would result in additional delay before the payment would show on their records. The Deliver By date is an estimate only of when the payee/vendor will receive the funds. The Bank is not responsible for processing delays by the  payee.

    EBILL

    The Bank’s eBill service allows you to view and pay your bills through our IPAY BIZ Service. This billing option is available only to customers who have registered for the Bank’s IPAY BIZ Service. By using the eBill service, you are asked to provide information needed to access your Third Party accounts. You hereby authorize and permit the Bank to use Content and other information submitted by you to the Bank (such as user names and account passwords) to accomplish the purposes of the Service. The bank will not be liable if any of the Content you provide is compromised. The Bank will use its best efforts to present all of your electronic bills promptly. It is your sole responsibility to ensure that your eBills are accurate. The Bank is not liable for eBills received from other companies or the accuracy of the biller information. Your obligation to pay your eBills by the due date is not altered or modified in any way by enrolling in this service. You agree that the Bank will not be liable to you or any third party for any revision or discontinuation of the eBill service. The Bank makes no warranty that the eBill service will be uninterrupted, timely, secure, or error-free, or that the information obtained from use of the  service will be accurate. You understand and agree that at all times your relationship with each Third Party Account provider is independent of the Bank    and your use of the eBill Service. The Bank is not liable for any acts of omissions by the biller or other provider of any Third Party Account, including without limitation any modification, interruption or discontinuance of any Third Party Account by such provider. Furthermore, the Bank does not warrant that errors in the technology will be corrected. You may discontinue the eBill service at any time.

    For as long as you are using the eBill Service, you give to the Bank a limited power of attorney and appoint the Bank as your true and lawful attorney-in- fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access the Third Party Accounts, retrieve Content, and use your Content, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with the Service, as fully to all intents and purposes as you might or could do in person. Once the Bank has actual knowledge that you wish to cease using the Service as provided in this Agreement or as otherwise permitted in this Agreement and has a reasonable opportunity to act on such knowledge, this limited power of attorney is automatically revoked; provided, however, that any act done by the Bank in good faith before it has actual knowledge of termination by you shall be deemed to be authorized by you. To notify the Bank that you wish to discontinue using the Service, you must do so at the bill pay site as provided in this Agreement.

    YOU ACKNOWLEDGE AND AGREE THAT WHEN THE BANK IS ACCESSING AND RETRIEVING INFORMATION FROM THE THIRD PARTY ACCOUNTS, THE BANK IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. YOU AGREE THAT THE BANK, ITS AFFILIATES AND PARTNERS SHALL BE ENTITLED TO RELY UPON THE FOREGOING AUTHORIZATION, AGENCY AND POWER OF ATTORNEY GRANTED BY YOU.

    YOU AGREE THAT THE BANK SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) THE BANK’S ACCESS TO THE THIRD PARTY ACCOUNTS; (2) THE BANK’S RETRIEVAL OF OR INABILITY TO RETRIEVE INFORMATION FROM THE THIRD PARTY ACCOUNTS; (3) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN CONTENT RETRIEVED FROM THE THIRD PARTY ACCOUNTS AND (4) ANY CHARGES IMPOSED BY THE PROVIDER OF ANY THIRD PARTY ACCOUNT.

    PERSON-TO-PERSON PAYMENTS (TheWayiPay)

    The Bank’s person-to-person payment service allows Online Banking customers to initiate a funds transfer from your Alpine Bank personal checking or money market account to a consumer or business located within the United States. To initiate the transfer, you must provide either the recipient’s routing and account number, or the recipient’s email address and a passcode. In the case the recipient’s email address was provided, the recipient will be notified  by email of the availability of transferred funds, after we process the transfer. In order to access funds transferred, the recipient must have a valid email address and you must give them the passcode you entered for security purposes.

    You agree that, each time you initiate a funds transfer through this service with an email address, you are authorizing and instructing the Bank to send emails to the recipient on your behalf. You further agree that each person or business to whom we send emails on your behalf has given you permission for us to do so. The Bank is not liable if the email address you provided was invalid and the notification is sent to a different recipient.

    Your account will be debited at 2:00 PM CT on the processing day as long as the recipient has provided their account information to process the funds transfer. You must have sufficient available funds in your account at the time you initiate a transfer through the service. If there are insufficient available funds in your account at the time you initiate the transfer, the transfer will not be processed.

    We reserve the right to limit the frequency and dollar amount of transfers initiated through the service. Such frequency and dollar limits may change from time to time without prior notice to you. If a funds transfer that you request would exceed any limits in effect at the time you initiate the transfer, the transfer will not be processed. Once a funds transfer is initiated through the service, it cannot be modified.

    We may decline to process a funds transfer you initiate through the Service if your account has insufficient available funds, if the transfer would cause you to exceed the frequency or dollar limits for such transfers in effect at the time you initiate the transfer, or otherwise at our discretion.

    You agree not to use the Service for illegal or unlawful purposes, including Internet gambling. You must not use the service to pay taxes or other amounts owed to government entities or to pay court-ordered amounts, such as alimony or child support.

    NO DUTY TO MONITOR PAYMENTS

    The Bank does not have any duty to monitor payments made through the Bill Payment service. If you are a business and an authorized representative of yours uses your Bill Payment service to pay bills which are not yours, you assume the entire risk of loss and indemnify and hold the Bank, its directors, officers, employees, and agents harmless from all loss, liability, claims, demands, judgments, and expenses arising out of or in any way connected with such use.

    OUR LIABILITY FOR INCOMPLETE TRANSACTIONS

    It is the Bank’s responsibility to process all bill payments properly initiated through the Online Banking system in accordance with this Agreement. The Bank will not be liable for damages, as defined in this Agreement, where the system caused a payment delay or failed to process a payment. The Bank is not responsible for processing delays by the payee. The Bank will not be liable if any of the following  occurs:

    •     Funds are not showing on the system's available balance in your account that is selected to pay for the bill or transfer at the time of transaction.

    •     Funds are subject to legal process or other encumbrances restricting the payment or transfer.

    •     You had knowledge of or questions about the possible malfunction of the system when you initiated the transaction.

    •     Any information provided by you about the Payee is incorrect.

    •     There are any delays in the handling or processing of the payment by the Payees or merchants through no fault of Online Banking or our service providers.•Natural disasters (for example, fire, flood, tornado) or other uncontrollable circumstances (for example, mail delays, power failures, Internet or electronic funds systems failures, strikes, acts of war or terrorism) prevent proper completion and delivery of transactions.

    •     Other applicable laws and/or regulations exempt us from  liability.

    •     It can be shown that you were attempting to defraud us.

    •     It can be shown that the delay was caused by the US Post Office.

    IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT LOSSES OR OTHER DAMAGES, WHICH YOU (THE “CUSTOMER”) MAY INCUR OR SUFFER AS A RESULT OF FRAUDULENT ACTIVITY TO YOUR ACCOUNT(S), IDENTITY THEFT OF ANY SORT, OR ANY DAMAGE TO YOUR COMPUTER OR TELEPHONE SERVICE RESULTING FROM YOUR USE OF THE INTERNET TO PERFORM ONLINE BANKING, OTHER FINANCIAL TRANSACTIONS, OR OTHER ACTIVITIES AS A RESULT OF MALICIOUS ACTIVITY TO YOUR COMPUTER OR OTHER TECHNOLOGY THAT IS NOT PART OF, AND UNDER THE DIRECT CONTROL OF, THE BANK.

    CANCELLATION OF ONLINE BANKING

    Your Online Banking may be canceled at any time by the Bank in whole or in part without prior notice to you due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to the Bank. You will remain responsible for all transactions approved by the system prior to the cancellation, and for any other fees associated with the service. After cancellation, service may be reinstated once sufficient funds    are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate the Online Banking service, you must reapply for the service.

    BALANCE INQUIRIES, BILL PAYMENTS  AND TRANSFERS LIMITATIONS

    You may use Online Banking to check the balance of your accounts and to transfer funds among your accounts. According to Federal regulations, you   may not make more than six (6) pre-authorized or automatic transfers or bill payments from your Money Market Deposit Account or Savings Account   during a given monthly statement period. There are no limits to the number of transfers or bill payments from your Checking Accounts. Currently, the bill payment service is limited only to Checking Accounts. Balances shown in your accounts may include deposits subject to verification by the Bank. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions, please contact us. The balances are updated in "real-time" and the system will display the most current "as of" date on the "accounts" summary page. Situations may occur that cause a delay in an update of your balances. The system will use the most current balance available at the time of a transaction on which to base approval. Any information you receive from the Bank through Online Banking is believed to be reliable. However, it can only be provided on a best efforts basis for  your convenience and is not warranted or guaranteed. The 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. I understand that the Bank or its authorized agent will not be responsible for   any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account. I hereby authorize the Bank or its authorized agent to make transfers between accounts or payments to loans, as I may authorize by personal computer, and also authorize the Bank to post such transactions to my account.

    BANK TO BANK TRANSFERS

    Bank to Bank Transfers allow you to transfer funds between your deposit accounts at the Bank (“Internal Accounts”) and your accounts at other financial institutions (“External Accounts”) if the transfer is also permitted by the other financial institution and by law. Bank to Bank Transfers can only be completed between accounts that are owned by the same account holder, and must be the account holder authorized for the Online Banking ID that is being used.

    Bank to Bank Transfers require that your External Account(s) be registered before transfers can be initiated. By registering an External Account, you   authorize us to initiate debit and credit entries to and from your Internal Account(s) and that External Account, which authorization shall remain in effect until you delete that External Account from your registered External Accounts. To register an External Account, you must authenticate and validate your authority  to act with respect to such External Account, and authorize us to initiate debits and credits for this purpose, using such method as we may designate from time to time. This may include, for example, our registration deposit process, whereby we may initiate one or more credits (not to exceed a total of $1.00) to your External Account or, one or more debits (not to exceed a total of $1.00) to your External Account. You will be required to validate the amount of such registration deposits prior to initiating any Bank-to-Bank Transfer. We may also verify Accounts by requiring you to submit proof of ownership of the External Accounts. You may revoke this authorization only by deleting the External Account from registration in the manner specified in the authorization.

    The Bank reserves the right to obtain additional information as we deem  reasonably necessary to insure that you are not  using our Service in violation of   law, including, but not limited to, laws and regulations designed to prevent ‘money laundering’ or the transfer of funds to accounts that are blocked under regulations of the Office of Foreign Assets Control (OFAC) of the United States Treasury  Department.

    We may require you to schedule Bank to Bank Transfers up to three or more business days in advance of the desired transfer date. You may cancel a Bank to Bank Transfer up to the time it is initiated; however, if you modify a Bank-to-Bank Transfer scheduled to occur within three business days, we may require you to reschedule your Bank-to-Bank Transfer for a date at least three business days after the  modification.

    In the case of Bank to Bank Transfers from an External Account to an Internal Account your funds may be subject to a 3 business day hold prior to withdrawal.

    You also may schedule internal transfers (transfers between your Internal Accounts) using Bank-to-Bank Transfer if the Internal Accounts are eligible for Bank to Bank Transfers.

    By using the Service, you represent and warrant to us that you have the right to authorize and permit us to access your Accounts to affect such funds transfers or for any other purpose authorized by this Agreement, and you assure us that by disclosing and authorizing us to use such information you are not violating any third party rights. You warrant and represent that the information you are providing us with is true, current, correct and complete. You hereby authorize and permit the Bank and our service provider to use information submitted by you to accomplish these purposes and to configure the Service to be compatible with the Accounts.

    Once the Bank and/or our service provider has actual knowledge that you wish to cease using the Bank to Bank Transfers service as provided in this Agreement or as otherwise permitted in this Agreement and has a reasonable opportunity to act on such knowledge, this authorization is automatically revoked; provided, however, that any act done by the Bank and/or our service provider before it has actual knowledge of termination by you and has a reasonable opportunity to act on such knowledge shall be deemed to be authorized by you.

    You understand and agree that at all times your relationship with each External Account provider is independent of the Bank and your use of the Bank  to Bank Transfers. The Bank will not be responsible for any acts or omissions by the financial institution or other provider of any Account, including without limitation any modification, interruption or discontinuance of any External Account by such provider. You agree that the Bank, its affiliates,  service providers and partners shall be entitled to rely on the foregoing authorization given by you.

    YOU AGREE THAT THE BANK SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) OUR ACCESS TO THE EXTERNAL ACCOUNTS; (2) OUR DEBIT AND/OR CREDIT OR INABILITY TO DEBIT AND/OR CREDIT THE ACCOUNTS IN ACCORDANCE WITH YOUR BANK TO BANK TRANSFERS INSTRUCTIONS; (3) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED FROM THE ACCOUNTS; (4) ANY CHARGES IMPOSED BY ANY PROVIDER OF ACCOUNTS AND (5) ANY FUNDS TRANSFER LIMITATIONS SET BY THE FINANCIAL INSTITUTIONS OR OTHER PROVIDERS OF THE EXTERNAL ACCOUNTS.

    Not all types of accounts are eligible for the Bank to Bank Transfers service. Bank to Bank Transfers allows personal accounts in your name to be added to your profile. Business accounts are not eligible to be used with the Bank to Bank Transfers service. Be sure to check with your financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, and other account types. We are not responsible   for any costs or losses incurred from Bank to Bank Transfers that are not permitted under such restrictions by the provider of your Account or those imposed by applicable law.

    Using the Bank to Bank Transfers service online, you can transfer up to $5,000 daily into your Internal Account at one time. You can also transfer up to $5,000 daily out of your Alpine Bank account, at one time through the service. In addition, you are only allowed a maximum of 3 transfers per day. Please note: The transfer limits above apply only to transfers made online through the Bank to Bank Transfers service.  Alpine Bank reserves the right  to apply a lower limit or to make exceptions to the transfer limits at any time.

    eDOCS

    The Bank’s electronic statements and notices are called "eDocs." If you have chosen to receive eDocs, you are electing to receive your statements and other selected notices by email. Any legal notices that normally accompany your mailed statement will be delivered to you electronically. Once enrolled,   you will only receive your statements/notices by email. Although you are opting out from receiving your statements/notices by U.S. mail, you have the option to receive a paper statement(s) or notice(s) at any time for no additional charge by contacting us. There are currently no service charge fees for the use of eDocs. However, you agree that the Bank has the right to institute or change the fees for eDocs upon thirty days prior written notice to you. In addition, the Bank has the right to amend these terms and conditions at any time providing you with written notice of the amended terms and conditions. You agree to waive and release any claims against the Bank arising out of or that may in any way be related to the use of eDocs, except for those claims resulting solely from the negligent acts or omissions of the Bank. You agree that you are solely responsible for any loss due to the use of eDocs by you, any authorized user, or any unauthorized user or recipient who gains access to eDocs through your computer or information obtained directly or indirectly from you.

    The Bank reserves the right to enroll you in eDocs for certain products that may require this feature, or if you have requested us to do so. You will be asked to verify and enter an enrollment pass code. By doing so, you agree to all the terms and conditions of the eDocs Agreement.

    Below are the hardware and software requirements for access to and retention of your eStatements. We will notify you whenever we change or revise these requirements. Adobe Acrobat Reader® version 6.0 or higher is required to open and view your eDocs*. To download the latest version of Adobe Acrobat Reader®, click here. We also recommend that you use the latest browser version available that supports 128-bit SSL encryption. You will also need email access with at least 1MB of free space to receive your eDocs. Your eDocs will be sent to the email address that you designate in the eDocs enrollment process. It is your responsibility to keep your email address updated in your Online Banking account(s). You may update your email address    by logging into the Online Banking system, selecting “eDocs,” and then selecting “Email.” You may also update your email address by contacting us through the Online Banking Message Center, by phone, mail, or email. If you are contacting us by mail, please include your signature. If you select additional recipient(s) to receive your eDocs, it is your responsibility to maintain their access information (email address, user name, access pin) as well. With eDocs, you receive next day delivery of your statements/notices. The delivery method used is a “Push” method meaning your statements/notices are emailed to you as a secure .pdf (Portable Document Format) attachment. The Bank will rely upon the email address you have provided to deliver your eDocs. If the email is returned to us, we will make attempts to resend your statements/notices. In the event the email delivery fails and the Bank cannot deliver your documents, the Bank will send you a paper copy by postal mail. The Bank reserves the right to unenroll you from eDocs until you update your email address on file. Your Alpine Bank Online Banking ID and password are your keys to eDocs. It takes both identification keys to gain access. No one representing Alpine Bank will ever ask you for your password. You should never give your password to anyone who asks for it in an email or by phone or anyone else who you do not want to have access to your account(s). Statements/notices are sent as a "shell" .pdf without customer data. Once the user logs into eDocs, the ID and password are authenticated and the data fills the PDF document. The data included in the statements/notices is streamed via a secure 128-bit SSL encryption. You have the option to receive check images with your electronic statement when you log into eDocs with your Online Banking ID and password. eDocs can be printed or saved to a file on your computer for easy storage. The current month as well as the past 17 months of statements/notices will be available within Alpine Bank Online Banking for your  convenience.

    Again, you may cancel your eDocs at any time. You may do so within the “Documents and Settings” tab in the Online Banking eDocs system or by contacting us in one of the following ways: send us a message through the Online Banking Message Center, contact us by phone, or write to us with your name, mailing address, and signature. If you withdraw your consent, we will send all future statements/notices to you in paper form to the address on file at no additional charge.

    Alpine  Bank

    eBanking Department

    P.O. Box 6086 Rockford, IL 61125-1086 Phone: 815-398-6500

    *Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and in other countries. THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ACROBAT READER.

    WEB MOBILE BANKING

    Your enrollment in the Online Service may include access to Web Mobile Banking. By using Web Mobile Banking, you agree to the following terms. You agree that the Bank may send you information relative to Mobile Banking through your communication service provider in order to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid phone number, e-mail address or other delivery location so that the Bank may send you certain information about your applicable account or otherwise related to the Mobile Banking. Additionally, you agree to indemnify, defend and hold the Bank harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the  Agreement.

    Mobile Banking is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your accounts. Delivery and receipt of information through Mobile Banking may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of the Bank’s control. The Bank will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through Mobile Banking. Information available via Mobile Banking, including balance, transfer and payment information, may differ from the information that is available directly through Online Banking without the use of a mobile device. Information available directly through Online Banking without the use of a mobile device may not be available via Mobile Banking and may be more current than the information available via Mobile Banking, including but not limited to account balance information. The method of entering instructions via Mobile Banking may also differ from the method of entering instructions directly through Online Banking without the use of a mobile device. Processing of payment and transfer instructions may take longer through Mobile Banking. The Bank is not responsible for such differences, whether or not attributable to your use of Mobile Banking. Additionally, you agree that neither the Bank nor its service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

    You are responsible for anyand all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider.

    The Bank will use reasonable efforts to make the Service available for your use on a continuous basis. The Service may be unavailable for short periods of time for regular or emergency system maintenance. The Bank will use reasonable efforts to have its scheduled maintenance occur during non-peak hours. In addition, accessibility to the Service may be interrupted because of conditions beyond the Bank's control, including outages in Internet availability. The Bank will use diligent efforts to re-establish the Services as promptly as possible. The Bank does not promise the Service will always be available for your use. The Bank may elect to discontinue this Service at any time. If the Bank chooses to discontinue the Service, the Bank will provide you with reasonable notice in advance of that fact.

    You are responsible for providing your own hardware and software to access the Service. You understand that the hardware and software that you use may be subject to unauthorized tracking or other manipulation by "spyware" or other malicious code. The Bank is not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. The Bank does not guarantee functionality of the Service on all wireless devices. You are responsible for the charges of any wireless service provider while using the Service.

    The Bank reserves the right at all times to take actions to protect its systems and information, including denial of access to users of the  Service.

    Access to the Service will be provided to you through secure 128-bit SSL encryption technology, and the Bank will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus.

    However, no security system is failsafe, and despite the Bank's efforts, the security of the Service could be compromised or malicious code could be introduced by third parties. The Bank will provide you with notice if your information is the subject of a security breach as required by applicable law.

    The accounts that you access using the Service are subject to the terms and conditions of the deposit agreement for those accounts and the terms and conditions for Online Banking.

    MOBILE PHONE ENROLLMENT

    You may enroll for Mobile Banking on your mobile device. To utilize certain features of the Services, you must also install the software or applications on your compatible and supported mobile phone and/or other wireless device (each, a “Wireless Device”). Once you have enrolled for the Mobile Banking services, designated accounts linked to your Login ID will be accessible through your Wireless Device, together with certain payees. We reserve the right to modify the scope of the services at any time. You agree and understand that Mobile Banking may not be accessible or may have limited utility over some wireless networks, such as while roaming.

    By clicking “I Agree” when you enroll for Mobile Banking on your mobile device, and also by installing any software or applications necessary, you also agree to be bound by the terms and conditions outlined in this Agreement.

    TEXT MOBILE BANKING

    Your enrollment in Online Banking includes access to Text Mobile Banking. By receiving or otherwise using these services, you agree to the following terms for these services. You agree that the Bank may send messages through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. The Bank may use a telephone number, e-mail address or other delivery location the Bank has in its records for you or other such contact information as you may provide to the Bank for these services so that the Bank may send you certain information about your applicable account. Additionally, you agree to indemnify, defend and hold the Bank harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e- mail address,  or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.

    Text Mobile Banking is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your accounts. You understand and agree these services may not be encrypted and may include personal or confidential information about you such as your account activity or the status of your account. Messages may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, or other parties. The Bank will not be liable for losses or damages arising from any disclosure of account information to third parties, non- delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the messages sent through Text Mobile Banking. Text Mobile Banking is only available to customers who have an eligible account with the Bank. While you have to have an eligible account to use the service,once it is activated, if you have other types of accounts with the Bank, you may have access to those other accounts as well. There is no service fee for Text Mobile Banking but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. Message and data rates mayapply. Such charges include those from your communications service provider.

    MOBILE DEPOSIT

    Mobile Deposit (“Services”) is designed to allow you to make deposits to your checking, savings, or money market accounts from home or other remote locations by scanning checks using your smart phone and our iPhone™ or Android™ application software to deliver the images and associated deposit information to Bank. Wireless connectivity and usage rates may apply. Contact your wireless service provider for more details.

    Acceptance of the Terms. Bank reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.

    Limitations of Service. When using the Services, you may experience technical or other difficulties. The Bank cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and the Bank reserves the right to change the qualifications at any time without prior notice. The Bank reserves the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.

    Eligible Items. You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”). You agree that the image of the check transmitted to Bank shall be deemed an “item” within the meaning of Article 4 of the Uniform Commercial Code as adopted in Illinois. You agree that you will not use the Services to scan and deposit any of the following types of checks or other items:

    a. Checks or items payable to any person or entity other than you.

    b. Checks or items drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder.

    c. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.

    d. Checks or items previously converted to a substitute check, as defined in Reg CC.

    e. Checks or items drawn on a financial institution located outside the United States.

    f. Checks or items that are remotely created checks, as defined in Reg CC.

    g. Checks or items not payable in United States currency.

    h. Checks or items dated more than 6 months prior to the date of deposit.

    i. Checks or items prohibited by the Bank’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Bank account.

    Image Quality. The image of an item transmitted to the Bank using the Services must be legible. The image quality of the items must comply with the requirements established from time to time by ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association.

    Endorsements and Procedures. You agree to restrictively endorse any item transmitted through the Services as “For deposit only, Alpine Bank  account #           ” or as otherwise instructed by the Bank. You agree to follow any and all other procedures and instructions for use of the Services as the Bank may establish from time to time.

    Receipt of Items. The Bank reserves the right to reject any item transmitted through the Services, at the Bank’s discretion. The Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from the Bank that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete. In the event the Bank does not receive an item as described herein or if the Bank rejects an item as described herein, the bank will not be responsible for resulting damages, and you may be liable for any fees that may be assessed as a result.

    Availability of Funds. The Bank shall grant provisional credit to the Account for Electronic Items in accordance with daily cutoff time frames. You authorize    us to place a hold on funds in the Account if, we have concerns about or doubt the validity or collectability of a Check. The items deposited will be treated   the same under the Bank’s funds availability policy.

    Disposal of Transmitted Items. Upon your receipt of a confirmation from the Bank that we have received the image of an item, you agree to immediately and prominently mark the item as “Electronically Presented” or “VOID” and to properly dispose of the item within 30 days to ensure that it is not represented for payment. And, you agree never to represent the item either at the Bank or another financial institution or electronic service. You will promptly provide any retained item, or a sufficient copy of the front and back of the item, to Bank as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any item, or for Bank’s audit purposes.

    Limits. The Bank reserves the right to establish daily, rolling, and monthly limits (known as Velocity Limits) applicable to items submitted to the Bank using the Services; and, limits may be increased or decreased from time to time by the Bank without prior notice.

    Hardware and Software. In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by the Bank from time to time. The Bank is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.

    Errors. You agree to notify the Bank of any suspected errors regarding items deposited through the Services right away, and in no event later than 60 days after the applicable Bank account statement is sent where the item appears. Unless you notify the Bank within 60 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against the Bank for such alleged error.

    Presentment. The manner in which the items are cleared, presented for payment, and collected shall be in the Bank’s sole discretion subject to the Deposit Account Terms & Conditions Agreement, Truth in Savings Agreement, and the Electronic Funds Transfer Agreement governing your account.

    Ownership & License. You agree that the Bank retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to the Bank’s business interest, or (iii) to the Bank’s actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.

    User Warranties and Indemnification. You warrant to the Bank that:

    a. You will only transmit eligible items.

    b. Images will meet the image quality standards.

    c. You will not transmit duplicate items.

    d. You will not deposit or represent the original item.

    e. All information you provide to the Bank is accurate and true.

    f. You will comply with this Agreement and all applicable rules, laws and  regulations.

    g. You agree to indemnify and hold harmless the Bank from any loss for breach of this warranty provision.

    ONLINE FINANCIAL MANAGEMENT (eBudget)

    The Bank offers an Online Financial Management (OFM) service within Online Banking referred to in this Agreement as “eBudget”. In order to utilize the tools provided under the eBudget tab, you may be asked to provide basic information including, but not limited to, account number(s) at the institution(s)   with which you conduct business. You may also be asked to provide other personal information. The Bank and its third party service provider are relying upon the accuracy of that information in order to provide these online financial management tools. If the information you supply is inaccurate, incomplete or misleading, the Bank will not be able to provide adequate service to you.

    In connection with your use of the service, you may be made aware of services, products, and offers provided by third parties. If you decide to use third party services, you are responsible for reviewing and understanding the terms and conditions governing any third party services. You agree that the third party is responsible for the performance of the third party services.

    In order to utilize eBudget you hereby grant the Bank and its third party provider permission to access the accounts, whether they are our accounts or   not, and all information and data contained therein through the use of any appropriate technology including the use of your account login information. You direct the account providing institution to provide such access to the Bank and its third party provider and to permit the retrieval of such information and data, to the same extent as if you yourself were accessing the accounts. You represent that your agreements with the account providing institution(s) allow you to grant the above permissions and make the above authorizations. However, you understand that the online financial management tools found within Online Banking are not endorsed or sponsored by any such account providing institution. You acknowledge and agree that the Bank and the account providing institutions may maintain different types and levels of security against unauthorized access to your accounts.

    You acknowledge that the information and data provided to you via the online financial management tools is provided in part by the account providing institution and a third party, and as such the Bank and its third party provider have no control over the information and are not responsible for the content, the accuracy or timeliness of such information and cannot change or correct that information. Please refer directly to your account providing institution(s) for the most current information or contact them directly relative to any information which you believe to be inaccurate or incorrect.

    The online financial management tools retrieve information or data on your behalf and provide no direct ability to conduct transactions on the accounts, whether they are at the Bank or not. If you wish to conduct transactions on non-Alpine Bank accounts, you must leave the Bank’s website and connect directly to the website of the account providing institution. There may be links provided in Online Banking that will direct you to the account providing institution. These links will not allow you to conduct transactions. Once you click on any such link you will be leaving the Bank’s website, and the Bank’s privacy and security policies no longer apply except when you connect to the Bank’s site. Such links are provided for your convenience only and neither the Bank nor its third party provider make any representations or warranties of any kind about the content, use of or inability to use such sites nor does the Bank or its third party provider assume any responsibility once you leave our website.

    TOKENS: Alpine Bank Security tokens are available to consumers to provide additional multifactor authentication if the consumer enrolls in the Service.  The physical token displays a six digit, one-time code that changes every sixty seconds. The virtual tokens display a six digit, one-time code that changes every thirty seconds. This code must be entered in conjunction with the Online Banking ID and Password associated with the owner of the token. The code must be kept secret and known only to the individual identified as the owner of the token. Tokens cannot be shared. Tokens have a limited battery life of four years. When you enroll in this Service, the Bank will automatically deduct $2.00 per month from your account as long as you are enrolled in the Service. You may cancel the Token at any time by notifying the Bank.

    SPECIAL INFORMATION ABOUT THE STOP PAYMENT SERVICE

    The Online Banking system includes several options that provide a means to securely forward your stop payment to the Bank for processing. Generally, requests received from the system will be processed within one business day using procedures that would handle similar requests received by mail or fax. If urgent action is required, the Bank recommends that you contact the Bank directly by telephone at 815-398-6500 or in person. Additional terms of   acceptance or disclosures may apply on the Stop Payment service and these terms will be disclosed at the time that you complete the request. The Stop Payment feature is designed to submit a request to stop payment on checks you have written. The Bank does not guarantee the ability to successfully stop  a payment within the first 24 hours from the time of the request due to timing issues. The stop payment order is effective for only twelve months, unless it is renewed in writing. Once a stop payment order expires, the Bank may pay the item. There may be additional fees associated with some of these services. This service is not available to cancel the payments scheduled through the bill payment service. If you have a problem or need to cancel a bill payment, you will need to contact us.

    YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC FUND TRANSFERS

    Personal Accounts Only: Tell us AT ONCE if you believe your password or PIN has been lost or stolen. Telephoning is the best way of limiting your possible losses. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two Business Days that your password has been lost or stolen, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell 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. Also, if your statement or information you access online 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 may extend the time periods.

    Business Accounts: The limitations on customer liability set forth in the preceding paragraph do not apply to accounts held by businesses. Business customers agree to review promptly all statements, Customer Notices, and transaction information made available to them, and to report all unauthorized transactions and errors to us immediately. Business customers agree that we may process payment and transfer instructions that are submitted with correct online login information, and agree that such instructions will be deemed effective as if made by them, even if they are not transmitted or authorized by the customer.

    DISCLOSURE OF ACCOUNT INFORMATION TO THIRD  PARTIES

    Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies:

    1.     Where it is necessary for completing transfers;

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

    3.     In order to comply with a summons, subpoena, warrant, or court order;

    4.     If the Bank has your written permission;

    5.     In order to advise third parties of accounts closed for misuse;

    6.     To collect information for internal use, the use of the Bank’s service providers, and the Bank’s servicing agents and contractors concerning its electronic funds transfer service;

    7.     To send a notice of dishonor or nonpayment;

    8.     To the Bank’s accountants and/or bank regulators;

    9.     To furnish information to the appropriate law enforcement authorities when the Bank reasonably believes it has been the victim of a crime;

    10.   To furnish information about the existence of an account to a judgment creditor of yours who has made a written request for such information;

    11.   To provide the eBill service;

    12.   When the Bank is attempting to collect an obligation owed to the Bank; or

    13.   As may otherwise be permitted or required by law.

    RECEIVING THE AGREEMENT ELECTRONICALLY AND PRINTING THE  AGREEMENT

    You can consent to receive the Agreement and future notices relating to the Agreement, electronically by checking the “I Agree” and clicking “Accept” on our login screen. Electronic notices relating to the Agreement will appear as a new message on the login screen when you login to Online Banking. In order to use Online Banking and to access, receive and retain notices electronically, you must provide at your own expense all necessary telephone lines, Internet or other connections and equipment needed to access the Online Banking service and to receive notices electronically.  Your computer must meet the following minimum requirements: an operating system such as Windows NT, 2000, ME, XP, Vista or Win 7 or Macintosh OS 10.x; an Internet web browser with capabilities to support a minimum 40 to 128 bit SSL encryption such as Microsoft Internet Explorer 7.0 and higher, Firefox 3 and  higher, Chrome 3.0 and higher for PCs using Microsoft Operating Systems; or Safari 3.0 and higher, Firefox 3 and higher, Chrome 4.0 and higher for Macintosh using OS 10.0.x; and Adobe Acrobat Reader® 6.0 or higher*.  You confirm that your computer will meet these specification and requirements and will permit you to access and retain any notice electronically each time you access and use Online Banking. We will give you notice of any change to these specifications and requirements if the proposed change will adversely affect your ability to access and retain subsequent electronic notices from us.  If you receive the Agreement electronically, you can print this Agreement.

    *Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and in other countries. This product is not endorsed or sponsored by Adobe Systems Incorporated, publisher of Acrobat  Reader.

    RECEIVING APAPER COPY OF THE AGREEMENT AND FUTURE  NOTICES

    You also have the right to receive a paper copy of the Agreement or any future notices. You may request a paper copy of the agreement or any future notices at no charge in one of the following ways: send an Electronic mail message (email), call us, or write to us with your name and mailing address. Be sure to state that you are requesting a copy of the Online Banking Agreement.  If you are writing to us, please include your signature.

    Alpine Bank

    P.O. Box 6086

    Rockford, IL  61125-1086

    Email: ebanking@bankalpine.com 

    Phone:  815-398-6500

    WITHDRAWING YOUR CONSENT TO RECEIVE NOTICES ELECTRONICALLY

    You can also contact us in any of the ways described in the preceding paragraph to withdraw your consent to receive any future notices or Agreements electronically.  If you withdraw your consent, we will send all future notices to you in paper form, at no additional charge.

    NOTIFYING US OF ACHANGE IN YOUR EM AIL ADDRESS

    You can notify us of a change in your email address by logging in to the Online Banking service (select Options and then fill in the appropriate field to change your email address) or by contacting us by phone or mail at our above contact information with your name and new email address. If you are contacting us by mail, please also include your signature.

    RETAIN COPIES FOR YOUR RECORDS

    We recommend that your print or download a copy of the disclosure, the Agreement and all other Communications to retain for your permanent records. If you are initiating the Online Banking enrollment process at one of our banking offices, the bank representative can provide you with paper  copies.

    NO SIGNATURE REQUIREMENTS

    When any payment or other online service generates items to be charged to your account, you agree that the Bank may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to  you.

    GOVERNING LAW

    This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois.

    ASSIGNMENT

    This agreement may not be assigned to any other party by you. The Bank may assign or delegate, in part or in whole, to any third party.

    OWNERSHIP OF MATERIAL

    Alpine Bank & Trust Co. Online Banking is a product of Jack Henry & Associates, Inc. Unauthorized reproduction in whole or part is prohibited.

    AMENDMENTS

    Terms and conditions of this agreement may be amended in whole or part at any time upon publication. If you do not agree with the change(s), you must notify the Bank in writing prior to the effective date to cancel your access. If you use Online Banking after a change becomes effective, you have agreed to any and all changes. Amendments or changes to term(s) or condition(s) may be made without prior notice if it does not result in higher fees, more restrictive service use, or increased liability to you.

    ENTIRE AGREEMENT

    Accounts and services provided will continue to be subject to any separate agreements governing them, except where noted in this Agreement, and the following:- The Bank’s rules, procedures, and policies applicable to each account and each  service;

    - The rules and regulations of any funds transfer system used in connection with;  and

    - Applicable state and federal laws and regulations.

    DISCLAIMER OF WARRANTIES. THE BANK DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES CONCERNING ONLINE BANKING SOFTWARE OR SERVICES OR BROWSER.  YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE BANK DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. THE BANK MAKES NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.

    LIMITATION OF LIABILITY. YOU AGREE THAT THE BANK WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICES, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF ALPINE BANK & TRUST CO. HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.

    This Agreement supplements those and any other agreements or disclosures related to your account(s), including but not limited to the Deposit Account Terms & Conditions Agreement, Truth in Savings Agreement, and the Electronic Funds Transfer Agreement. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this agreement shall take precedence and supersede such others. Your use of Online Banking is considered your acceptance of these terms and conditions.

    I Consent
     to the Electronic Communications Disclosure and confirm that I have the required hardware and software.
    I Consent

     to the Online Banking Agreement for Small Businesses/Organizations

    I also agree that the Bank does not need to provide me with an additional paper (non-electronic) copy of the Agreement unless specifically requested. The Bank reserves the right to modify these terms and conditions at any time, effective upon publication. My use of the Alpine Bank Online Banking services constitutes agreement to these terms and conditions, and any modifications thereof.

     
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