Waukegan Savings Bank

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Terms and Conditions

The confidentiality, security, and integrity of your nonpublic personal information is of primary importance to Waukegan Savings Bank. We maintain strict policies and procedures to safeguard your privacy. We educate our employees about the importance of confidentiality and customer privacy. In the event that you terminate your relationship with us, we will continue to adhere to the policies and practices described in this notice.

Information We Collect

We may collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from a consumer reporting agency.

Information We Share

We may share information with certain nonaffiliated third parties(under limited circumstances) to the extent permissible under law to service your account, offer you products or services we believe you may find valuable, and to manage risk. We do not share any nonpublic personal information about you to anyone, except as permitted by law.

Joint Marketing Partners

In order to offer our valued customers other financial products or services, we may disclose the following information to nonaffiliated third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
• Information we receive from you on applications or other forms, such as your name and address;
• Information about your transactions with us, such as your account balance, parties to transaction, and account terms;
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

About "COOKIES"

To provide better service and a more effective web site, we may use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our Web page server. This is used to determine whether you are a first-time visitor or a return visitor. You may prevent the placement of cookies by setting your web browser to notify you before a cookie is to be placed. This will give you the opportunity to decline the cookie. You must accept the cookies however, when you enter areas where you need to register, such as online banking or where you are able to customize the information you see. This is necessary for site administration and security.

About "Use of Website Disclaimer"

Federal law forbids the publication or the possibility of unlawful access to the Waukegan Savings Bank website. People who are subject to such acts may therefore not visit the Waukegan Savings Bank website. Such limitations apply in particular to citizens of the United States of America, as well as persons domiciled in all other countries. Waukegan Savings Bank would like to point out that local laws do not protect such people. It is the responsibility of each individual to obtain information from experienced and authorized advisors on the limitations that pertain to them.

The Waukegan Savings Bank website has been developed with extensive care. Waukegan Savings Bank shall not be liable for any failure or harm of any kind whatsoever arising from the use of the website or the information contained therein. The website is subject to change at any time and without any specified prior notice.
All ownership, copyright and other rights to the entire content of the Waukegan Savings Bank website remain with Waukegan Savings Bank. The intellectual property of certain data is of news and information providers or third parties whose ownership rights are likewise reserved. In particular data may not be distributed, sold, forwarded or otherwise made available to third parties. The data on the website are for your own personal and individual use. Waukegan Savings Bank permits the downloading or printing of pages from the site if the full source is quoted.

No responsibility is assumed for the reproduction of data supplied by third parties on the Waukegan Savings Bank website such as securities prices, various indices, performance data etc. Neither Waukegan Savings Bank nor any information provider or third party supplying data to an information provider assumes any liability for any damage or consequential damage caused by incorrectly, inaccurately or incompletely reproduced information or computations on the website. Visitors to the website are requested to verify the information received with regard to its integrity and to make their investment decisions on the basis of their own investigations (advice from third parties, other publications etc.).

The transmission of information via the Internet may be subject to interference, delays, errors or omissions in the supply of the data, which are beyond the control of Waukegan Savings Bank or its information providers. Neither Waukegan Savings Bank nor its information providers shall be responsible for any damage caused by such insufficiency. Waukegan Savings Bank is not liable for any consequential damage resulting from delays or any inability to access the Waukegan Savings Bank website. Waukegan Savings Bank draws your attention to the fact that there are risks attached to the use of E-mail and electronic forms in business dealings with the Bank. The data involved may be accessed, read or altered by third parties and Waukegan Savings Bank identified as the recipient. This may result in inferences being drawn about your relationship with Waukegan Savings Bank. Waukegan Savings Bank is no responsible for the risks or results of those risks when transferring data electronically. Finally, Waukegan Savings Bank prohibits any malicious activity to information contained anywhere within or on the Waukegan Savings website. Violators will be subject to prosecution.

Maintaining strong relationships with our customers is our privilege, and we continuously strive to offer superior service. Guarding your privacy is not only our obligation to you, but our priority.
We reserve the right to change this policy at any time by posting a new privacy policy.

Fraud And Identity Theft

At Waukegan Savings Bank, we recognize the importance of protecting the privacy and security of our customers and those who visit our website. It is also very important for you to understand how to protect your privacy, and prevent being a victim of fraud and identity theft.

Listed below are links that will take you to various topics outlining fraud and identity theft protection. Please read through these sections carefully, they will provide you with valuable information on how to protect yourself, and how we protect you.

Protect Your Identity

The best way to protect yourself from fraud and identity theft is to educate yourself on how to prevent it. With so much information being exchanged, it is imperative that you understand how to manage your personal information. Listed below are some key ways you can protect yourself.

Monitor your bank and credit card accounts regularly. You can check your account information over the phone, at ATMs, or using the Internet.
Reduce the amount of paper in your life, and shred sensitive documents.
Lighten your wallet; most identity theft comes from lost or stolen wallets, checkbooks, and credit cards.
Take advantage of your right to obtain a free credit report.
https://www.annualcreditreport.com

How to Safeguard Your Information

Look for website privacy policies and disclosures.
Secure online accounts with difficult-to-guess personal identification numbers.
Use online accounts; they are a "safe" way to do business.
Get a separate e-mail account for your personal e-mail.
Do not open e-mail attachments from unknown senders.
Clear your temporary Internet files after browsing.
Opt-out of third-party information sharing.
Log off or lock your computer whenever you are away.
Choose passwords that are hard for others to guess.
Don't give your passwords to anyone, and don't store them in an easy-to-find place.
Install anti-virus and anti-spyware software on your PC, and keep it up-to-date.
Only use software from reliable vendors.

Visit the websites below to learn more about the crime of fraud and identity theft in our nation.
http://www.ftc.gov/bcp/edu/microsites/idtheft/
http://www.usdoj.gov/criminal/fraud/

A scam is an intentional attempt to mislead you with the goal of personal gain. There are many different types of mail, telephone, and e-mail scams. One of the most popular types of scam is called "phishing." "Phishing" is an attempt to acquire your personal information by posing as a legitimate business.
The most important thing you can do to prevent being a scam victim is to never give your money, or personal information, to an unknown business or person, especially one who has contacted you. To ensure you know who you are communicating with, you should call or mail the company back using phone numbers or addresses you know are correct.

To learn more about different types of scams, and how to prevent them visit these sites:
http://www.lookstoogoodtobetrue.com/
http://www.fbi.gov/majcases/fraud/fraudschemes.htm

You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. This free credit report can be requested through the Internet, by phone, or by mail. Click below to be directed to annualcreditreport.com for more details.
https://www.annualcreditreport.com

Equifax
To report fraud, call: 888-766-0008 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
http://www.equifax.com/
To order your credit report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241

TransUnion
To report fraud, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634,
http://www.transunion.com/
To order your credit report, call 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022

Experian
To report fraud, call: 888-397-3742 and write:
P.O. Box 2002, Allen, TX 75013
http://www.experian.com/
To order your credit report, call: 888-397-3742 or write:
P.O. Box 2002, Allen, TX 75013

The Federal Bureau of Investigation (FBI) and National White Collar Crime Center (NW3C) developed this website to give victims of cyber crime a convenient easy-to-use reporting mechanism that alerts authorities of suspected criminal or civil violations.
http://www.ic3.gov/

How We Protect You

Enhanced Login Security is a free and easy way to help prevent fraud. Whether at home, at the office, or on the go, Enhanced Login Security identifies you as the true "owner" of your accounts by recognizing not only your password, but your computer as well. If your computer isn't recognized, then you've logged in from a computer you haven't used before, and a temporary access pass code will be sent to your email on record as an additional line of defense to prevent unauthorized access.

Enhanced Login Security

Defends against identity theft and fraud.
Provides added login security by registering not only your password, but also the computer you commonly use.
Makes it easy for you to sign up and enjoy convenient access.

Terms and Conditions (Internet Banking)

This Agreement describes Your rights and obligations as a user of the Internet Banking or the Internet Banking Bill payment Service. It also describes the rights and obligations of Waukegan Savings Bank. Please read this Agreement carefully. By requesting and using one of these Services, You agree to comply with the terms and conditions of this Agreement.
Definitions
The following definitions apply to this Agreement: “Internet Banking” is the Internet-based banking service providing access to your Waukegan Savings Bank account(s).
• “Internet Banking Accounts” means any Waukegan Savings Bank account from which you will be conducting transactions using our Service.
• “Internet Banking Bill Pay Account” means any Waukegan Savings Bank checking account from which you have designated Internet Banking Bill Payments
• “Password” is the system-generated code sent to you by Waukegan Savings Bank for use during the initial sign-on, that establishes your connection to the Service.
• “Time of Day” references are to Central Standard Time or Central Daylight Time, as applicable
• “We”, “Us” or “WSB” refers to Waukegan Savings Bank, which offers the Service and which offers the accounts accessed by the Service.
• “You” and “Your” refers to any person(s) or business that signed the agreement requesting Internet Banking Service or the Internet Banking Bill Pay Service.

Access to Services
Waukegan Savings Bank will provide on-line instructions on how to use the Internet Banking Service or Internet Banking Bill Pay Service. You will gain access to your Internet Banking Accounts through the use of Your Internet-enabled device, Your Internet Service Provider, Your Password and Your Personal Identification number.
Use of Your Security Password
You agree not to allow anyone to gain access to the Service or to let anyone know Your Password used with the Service. Should there be a breach in the use of Your security password, you agree to assume responsibility for all transactions up to the limits allowed by applicable law. Waukegan Savings Bank cannot guarantee and is not liable for breaches in Internet Security.

If Your Password has been Lost or Stolen
If Your Password has been lost or stolen, promptly (within 2 days) call 1-847-623-6400, 9:00 a.m. to 5:00 p.m., Monday through Thursday, 9:00 a.m. to 7:00 p.m., Friday, or 9:00 a.m. to 12:00 p.m., Saturday (except holidays). Telephoning Waukegan Savings Bank is the best way of minimizing your losses.
Un-Authorized Transfers
If Your statement shows transfers that You did not make through the Internet Banking system, please notify us immediately by calling Waukegan Savings Bank 9:00 a.m. to 5:00 p.m., Monday through Thursday, 9:00 a.m. to 7:00 p.m., Friday, or 9:00 a.m. to 12:00 p.m., Saturday (except holidays) at 1-847-623-6400. You should follow-up your notification in writing and mail to:
Waukegan Savings Bank
1324 Golf Road
Waukegan, Illinois 60087

If You do not notify Waukegan Savings Bank within 60 days after the statement was mailed to You, You may not recover any money lost after 60 days which would not have been lost if Waukegan Savings Bank had been notified in time. If a good reason (such as a long trip or hospital stay) delayed You from contacting Waukegan Savings Bank, Waukegan Savings Bank may, at its discretion, extend the time periods.
Banking Transactions with Internet Banking
In addition to viewing account information, You may use Internet Banking to conduct the following transactions:
1. Transfer funds among your checking, statement savings and money market accounts. NOTE: Because regulations require WSB to limit preauthorized transfers (including Internet Banking Transfers), the following limitations apply:
a. Statement Savings Account. You can make no more than six (6) transfers per statement period by preauthorized transfer, automatic transfer, telephone or Internet Banking, and no more than three (3) may be draft or debit card to a third party.
b. Money Market Account. You can make no more than six (6) transfers per statement period by preauthorized transfer, automatic transfer, telephone or Internet Banking, and no more than three (3) may be draft or debit card to a third party.

The titles and signers of both preauthorized accounts involved in a transfer must be the same. However, WSB may, at its discretion, accept an authorization involving an individual account and a joint account where the signer on the individual account is also a signer on the joint account.
1. New services may be introduced for Internet Banking from time to time. WSB 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, which will be made available to You concerning these services.

Internet Banking Error and Questions
In case of errors or questions regarding Waukegan Savings Bank Internet Banking, contact Internet Banking Representative, 9:00 a.m. to 5:00 p.m., Monday through Thursday, 9:00 a.m. to 7:00 p.m. Friday, or Saturday 9:00 a.m. to 12:00 p.m. (except holidays) at 1-847-623-6400. You can also write us at:
Waukegan Savings Bank
1324 Golf Road
Waukegan, Illinois 60087

We must hear from You at the specified telephone number or address no later than 60 days after we sent You the FIRST statement on which the problem or error appeared.

We will need:
1. Your name and account number
2. 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
3. The dollar amount of the suspected error and date on Which it occurred

If the report is made orally, we require that You send the complaint or question in writing within ten (10) business days. We will notify You with the results of the investigation within ten (10) business days and will correct any error promptly. If more time is needed, however, we will notify You in writing and may take up to 45 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, we may not credit Your account until the investigation is complete.
If we determine that no error occurred, we will send You a written explanation after the investigation is complete. You may request copies of the documents that were used in the investigation. You agree that WSB may respond to You by electronic mail with regard to any claim of unauthorized electronic fund transfers related to the service. Any such electronic mail sent to You by WSB, shall be considered received within three (3) business days of the date sent by WSB, regardless of whether or not You access the Service within that time frame.

Internet Banking Bill Pay Service
The Internet Banking Bill Pay Service (“Internet Banking Bill Pay”) permits You to use Your Internet-enabled device to direct payments from Your designated Internet Banking Bill Pay Account to third parties You wish to pay. Your Internet Banking Bill Pay Account must be a checking account. Through the Internet Banking Bill Pay, you can pay bills from your Internet Banking Bill Pay Account to businesses or individuals. WSB reserves the right to use an outside third-party company(ies) to provide processing of Internet Banking Bill Pay requests.
All payments You make will be deducted from the account that You designate as Your Internet Banking Bill Pay Account for the Internet Banking Bill Pay Service. Any payments You wish to make through Internet Banking Bill Pay must be payable in U.S. dollars to a payee with a mailing address located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using Internet Banking Bill Pay from time to time. You may not use Internet Banking Bill Pay to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payment s to these payees will be Your sole responsibility if delayed or improperly processed or credited. There is a dollar limit of $9,999.00 per vendor Bill Pay request (subject to change without notice).

Funds must be available in Your Internet Banking Bill Pay Account on the requested payment date, After funds are withdrawn from Your Internet Banking Bill Pay Account to make a payment, we may male the payment either by transferring funds electronically to the payee or by mailing the payee a check.

You may choose to schedule payments to recur in the same amount art regular weekly, bi-weekly, monthly, semi-monthly, quarterly, annual or semi-annual intervals (a “Fixed Payment”) If a fixed payment is chosen, the bill will be paid automatically each billing period. If the payment is not a fixed payment, it will be a “variable payment”. Variable payments are not made until You enter the amount of the current bill. You may also change or skip payments that are fixed payments.

For all Internet Banking Bill Pay payments, You agree to schedule Your payment five (5) business days prior to the due date for payments to be made by check, three (3) business days for electronic transfers (that is, the due date shown on Your invoice or provided in Your agreement with the payee, not taking into account any applicable grace period). The first payment to a new vendor will be by check (requiring ten (10) business days lead time). You may refer to the Payee List on the Internet Banking Bill Pay Service to determine if future payments will be made by check or electronic transfer. If You do not properly schedule Your payment in advance, You will be fully responsible for all late fees, finance charges or other action taken by payee.
Waukegan Savings Bank is only responsible for exercising ordinary care in processing and sending payments upon Your authorization in accordance with this Agreement. WSB will not be liable in any way for damages You incur if You do not have sufficient funds in Your Internet Banking Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for accuracy of vendor address, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of WSB.

If Your Internet Banking Bill Pay Account does not have sufficient funds to make a payment on the scheduled payment date, a second attempt will be made to make the payment. You will receive notification by U.S. mail that the payment was not processed. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. You will be charged a fee for each attempt to make a payment if the funds are not available.

Waukegan Savings Bank shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in Your account to process a transaction. In all cases, You are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Service. Excessive insufficient and/or uncollected funds charges could cause termination of Your Internet Banking Bill Pay features.

Internet Banking Bill Pay Service Error and Questions
In case of errors or question regarding Waukegan Savings Bank Internet Banking Bill Pay, call a Customer Service Representative at 1-866-305-9039.
We must hear from You at the specified telephone number no later than 60 days after we sent You the FIRST statement on which the problem or error appeared. We will need:
1. Your name and account number
2. 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.
3. The dollar amount of the suspected error and date on which it occurred.

Stop Payment
You may cancel or change a payment before it has been issued in the Internet banking Bill Pay Service on the Pending Payment screen.

If you wish to cancel a payment after it is issued, please notify a Customer Service Representative at 1-866-305-9039 immediately. Stop payments on check payments will be handled on a case-by-case basis. A stop payment fee will be charged for all stop payments accepted.

Electronic payments cannot be stopped once the payment has been sent.

Electronic Mail
If You send WSB an electronic mail message, WSB will be deemed to have received it on the following business day. You agree to allow WSB to have a reasonable time to act on Your e-mail.

You should not rely on electronic mail if You need to communicate with WSB immediately - for example, if You need to report an unauthorized transaction from one of Your accounts or if You need to stop a check payment that has already been sent.

You agree that WSB 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 WSB shall be considered received within three (3) business days of the date sent by WSB, regardless of whether or not You access the Service within that time frame.

Other Agreements
In addition to this Agreement, You and WSB agree to be bound by and comply with the requirements applicable to each of Your Internet Banking Accounts. Your use of the Internet Banking Service or the Internet Banking Bill Pay Service is Your acknowledgement that You have received these agreements and intend to be bound by them. You should review other disclosures You receive when You open Your accounts at WSB. Such disclosures include the charges that may be imposed for electronic funds transfers, as well as 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 the fees related to this service from Your Account each month.

Hours of Operation
The on-line Service is intended to be available 24 hours a day, seven (7) days a week, except during special maintenance periods. However, if the Service is down WSB has no liability. For purposes of transactions, WSB business days are Monday through Friday, excluding holidays. All Internet Banking transaction requests received on Saturdays, Sundays, holidays or days of inclement weather on which WSB chooses to remain closed, will be processed on the next WSB business day.

Modification to this Agreement
Waukegan Savings Bank may modify the terms and conditions applicable to their 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 deemed to have received it three (3) business days after it is sent. We reserve the right to terminate this Agreement and Your use of the Service in whole or in part at any time without prior notice.

Statements
You will continue to receive Your regular account statement(s) either monthly or quarterly, depending on the type of account.

Our liability for failure to make a transfer
Waukegan Savings Bank will not be liable in the following instances:
1. If through no fault of WSB, You do not have enough money in Your Account to make the transfer.
2. If circumstances beyond WSB’s control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions we have taken.
3. If there is a hold on Your Internet Banking Account, or if access to Your Internet Banking Account is blocked, in accordance with banking policy.
4. If Your funds are subject to legal process or other encumbrance restricting the transfer.
5. If Your transfer authorization terminates by operation of law.
6. If You believe someone has accessed Your accounts without Your permission and You fail to notify WSB immediately as set forth in this Agreement.
7. If You have not properly followed the scheduling instructions on how to make a transfer as included in this Agreement.
8. If We have received incomplete or inaccurate information from You or a third party involving an account or transfer.
9. If We have a reasonable basis for believing that unauthorized use of Your password or Internet Banking Account has occurred or may be occurring; 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 the Service.

You agree that in no event shall WSB 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 in subparagraph two (2) or eight (8) 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.

Disclosure of Information to Third Parties
Waukegan Savings Bank will disclose information to third parties about Your Internet Banking Account or the transfer You make:
1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of Your Internet Banking Account for a third party, such as a credit bureau or merchant; or
3. In order to comply with government or court orders.

Termination
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. WSB can terminate Your electronic banking privileges (including the Internet Banking Bill Pay Service) under this Agreement without notice to You if You:
1. Do not pay any fee required by this Agreement when due.
2. Do not comply with the agreement governing Your deposit or loan accounts
3. Your accounts are not maintained in good standing.
We will promptly notify You if we terminate this Agreement of Your use of the services for any other reason.
Inactivity
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 do not have any transaction scheduled through the Service during any consecutive 90 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.

Cancellation
To cancel the Internet Banking and/or Internet Banking Bill Pay Service, You must notify WSB and provide Your name; address; whether You are discontinuing Internet Banking, Internet Banking Bill Payment or both; You must notify us at least ten (10) business days prior to the date on which You desire the service to be terminated. When Internet Banking Bill Payment is terminated, any prescheduled bill payments made through Internet Banking will also be terminated. Final fees will be assessed through your normal statement cycle. You may notify WSB by one of the following methods:
1. By calling 1-847-623-6400, 9:00 a.m. to 5:00 p.m., Monday through Friday, (except holidays); and requesting the Internet Banking Administrator or one of the Personal Bankers
2. By writing a letter and sending it to the following address
Waukegan Savings Bank
1324 Golf Road
Waukegan, Illinois 60087
3. By sending e-mail to info@ibankwaukegan.com
Governing Law
This Agreement is governed by the laws of the State of Illinois and any applicable federal law.

Fee Schedule
Waukegan Savings Bank offers the benefits and convenience of the Internet Banking Service to you at no charge. There are additional services that are available with Internet Banking that, if used, will incur a fee. Fees are subject to change upon 30 days notice.

Bill Payment Fees
$15.00 per item charge on Check or Debit returned or Paid when the funds in the account have not been collected
$15.00 per item charge on a stop payment
$3.00 per item charge to obtain a copy of a paid check
$20.00 to express-mail a payment to a payee

All other account charges as described in Your Account Fee Schedule and Account Disclosure shall continue to apply.