NOTIFICATION OF BANK IN CASE OF UNAUTHORIZED TRANSFER(S)
Telephone Spring Valley City Bank at (815) 663-2211 immediately if you believe your card has been lost or stolen, or if you believe that unauthorized transfers have been made. The bank may also be contacted at 315 N. Cornelia St., Spring Valley, IL. 61362 or by FAX at (815) 664-2800. This notification may reduce your liability for unauthorized transfers.

CONSUMER LIABILITIES
The applicant and co-applicant are the only authorized users of your DEBIT CARD, ATM CARD, and/or PIN. You agree not to give anyone else your card and/or PIN. If you believe your card and/or PIN have been lost or stolen, or if you believe that unauthorized transfers have been made telephone the bank at (815) 663-2211 immediately to report this information. The bank can then take actions to stop future use of the card and/or PIN. You could lose all the money in your account if you do not notify the bank of unauthorized transfers.

DEBIT CARDS
If you believe your DEBIT card has been lost or stolen and you tell the bank after you learn of the loss or theft, then you can lose no more than $0.00 if someone used your card and you complied with these rules. Spring Valley City Bank may increase the cardholder's liability for unauthorized VISA transactions only if it reasonably determines, based on substantial evidence, that the cardholder was grossly negligent or fraudulent in the handing of the account or card.

ATM CARDS
If you believe your ATM card has been lost or stolen and you tell the bank within two business days after your learn of the loss or theft, you can lose no more than $50.00 if someone used your card without your permission and you complied with these rules. If you do NOT tell the bank within two business days after you learn of the loss or theft of the ATM card, and the bank can prove it could have stopped someone from using your card without your permission if you had told the bank, you could lose as much as $500.00.

24 HOUR TELEPHONE BANKING AND INTERNET BANKING
You may access yours accounts by telephone 24 hours a day by calling 866-626-6791 or through the internet at www.svcb.com. By using a touchtone telephone or a personal computer, you may use your account number and a personal identification number (PIN) to get account information about your checking, savings, or loan accounts, including deposits, withdrawals, or payments; transfer funds from savings to checking or checking to savings; make loan payments to our bank from checking or savings accounts at our bank; and obtain a fax copy of your statement. Please also see the Transaction Limitations section in the Savings Account Disclosure regarding limitations that apply to telephone transfers. Customers desiring to make transfers from a savings passbook account should establish a Statement Savings Account instead.

DOCUMENTATION OF TRANSFERS
You can get a receipt at the time you make any transfer to or from your account using an ATM or any other electronic terminals. If you have arranged to have direct deposit made to your account at least once every 60 days from the same person or company, you can call the bank at (815) 663-2211 to find out whether or not the deposit has been made. You will get a monthly account statement unless there are no transfers in a particular statement cycle. In any case you will get a statement at least quarterly. You may also call the 24-Hour Telephone Banking phone line (866-626-6791) to verify the deposit.

ELECTRONIC FUNDS TRANSFERS INITIATED BY THIRD PARTIES
You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network.

Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and bank information. This information can be found on your check. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to: Pre-authorized credits: You may make arrangements for certain direct deposits, such as a payroll payment, to be accepted.

Preauthorized credits: You may make arrangements for certain direct deposits (such as payroll) to be accepted into your checking or savings account(s).

Preauthorized payments: You may make arrangements to pay certain recurrings bills from your checking account(s).

Electronic check conversion: You may provide your check to a merchant or service provider who will scan the check for the encoded bank and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check by other means such as by mail or drop box.

Electronic returned check charge: Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

YOUR RIGHT TO STOP PAYMENT ON PREAUTHORIZED TRANSFERS
If you have told the bank in advance to make regular payments out of your account, you can stop any of these payments. Call the bank at (815) 663-2211, or write the bank at 315 N. Cornelia St., Spring Valley, IL. 61362, in time for the bank to receive your request three business days or more before the payment is scheduled to be made. If you call, the bank will require you to put your request in writing and get it to the bank within 14 days after you call. The bank will charge $8.00 for each stop-payment order you give. If these regular payments vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. If you order the bank to stop one of these payments three business days or more before the transfer is scheduled, and the bank does not do so, then the bank will be liable for your losses or damages.

THE BANK'S LIABILITY FOR FAILURE TO MAKE TRANSFERS
If the bank does not complete a transfer to or from your account on time or in the correct amount according to the agreement with you, the bank will be liable for your losses or damages. However, there are some exceptions. The bank will NOT be liable, for instance.

If through no fault of the bank, you do not have enough money in your account to make the transfer.

If the automated teller machine where you are making the transfer does not have enough cash.

If the terminal or system was not working properly and you knew about the breakdown before you started the transfer.

If circumstances beyond the bank's control, such as a fire, flood, or other Act of God, prevent the transfer, despite reasonable precautions that the bank has taken.

There may be other exceptions stated in this or other agreements with you.

ERROR RESOLUTION
In case of errors or questions about your electronic funds transfers, contact the bank by phone immediately at (815) 663-2211, or write to 315 N. Cornelia St., Spring Valley, IL. 61362, or FAX at (815) 664-2800

If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, the bank must hear from you no later than 60 days after the bank sent the first statement on which the problem or error appeared.

Tell the bank your name and account number.

Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

Tell the bank the dollar amount of the suspected error.

If you notify the bank orally, the bank may require that you send your complaint or question in writing within 10 business days.

The bank will tell you the results of its investigation within 10 business days after it hears from you and will correct any error promptly. If the bank needs more time, however, it may take up to 45 days to investigate your complaint or question. If the bank decides to do this, it will recredit your account within 10 business days for the amount you think is in error, so that you may have the use of the money during the time it takes to complete the investigation. If the bank asks you to put your complaint or question in writing and it does not receive it within 10 business days, then the bank may not recredit your account. If the bank decides that there was no error, it will send you a written explanation within three business days after it finishes the investigation. You may ask for copies of the documents that the bank used in its investigation.

BUSINESS DAYS
Spring Valley City Bank conducts business Monday through Friday except for holidays. Transactions initiated after 6:00 P.M. at an ATM or POS are posted on the following business day. Transactions on holidays will be posted on the following business day.

FUNDS AVAILABILITY DISCLOSURE
This policy statement applies to "transaction" accounts. Transaction accounts, in general are accounts that permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy. Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 2:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

LONGER DELAYS MAY APPLY
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100.00 of your deposits will be available on the first business day after we receive your deposit. If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds would be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

* We believe a check you deposit will not be paid.
* You deposit checks totaling more than $5,000.00 on any one-day.
* You redeposit a check that has been returned unpaid.
* You have overdrawn your account repeatedly in the last six months.
* There is an emergency, such as failure to communications or computer equipment.
* The deposit is to a new account.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

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