Administrative Services Department

Administrative Services Department

SUBJECT: Consideration of a Resolution authorizing a five-year contract for banking services with Glenview State Bank.

AGENDA ITEM: 9.b.x. MEETING DATE: June 16, 2020

VILLAGE BOARD REPORT

TO: Village President and Board of Trustees FROM: Amy Ahner, Director of Administrative Services, (847) 904-4331 Maggie Bosley, Finance Director, (847) 904-4357 THROUGH: Matthew J. Formica, Village Manager PURPOSE AND ACTION REQUESTED: Staff is requesting Board consideration of a Resolution authorizing a five-year contract for banking services with Glenview State Bank.

BACKGROUND/DISCUSSION: Staff conducted a Request for Proposals (RFP) process to select a commercial banking institution that possesses the capability and expertise to provide depository and various other banking services and/or tax exempt borrowing options. The Village’s current agreement, which was last benchmarked in 2017 against then current commercial banking pricing proposals received by comparable communities, with Glenview State Bank for banking services expires on June 30, 2020. In addition to the normal banking services needs, the Village also requested propsoals on borrowing options that could be used for the reconstruction of Fire Station 8. Those options will be presented for Board consideration under the agenda item for that capital project. The RFP was issued in February with proposals due in March. The Village received proposals from seven banks. Staff evaluated the proposals based on the safety and creditworthiness of the bank, level of customer service and banking relationship, the services provided, the online banking system, interest rates offered, and fees for services. Additionally, staff submitted follow up questions to proposers in order to gain a better understanding of the bank’s services and gathered information from references. After completing the evaluation, staff found Glenview State Bank’s (GSB) proposal to be the best qualified based on the evaluation criteria listed above. GSB’s estimated annual fees, detailed in the table below, are the second lowest of the seven proposals while their interest and earnings credit rates were the highest of any proposer. Staff feels strongly that the slightly higher estimated annual fees are offset by GSB’s significantly more favorable interest and earnings credit rates and

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excellent customer service. GSB’s interest rate and earnings credit rate would both be based on the average three month Treasury bill. GSB also committed to keeping fees flat for the first three years of the contract as requested by the Village.

Fee Description Current Fees Proposed FeesBanking Services 18,692.04$ 19,344.72$ Lockbox 13,290.96$ 13,715.52$ Total Banking Services and Lockbox 31,983.00$ 33,060.24$

Staff weighed the customer service and banking relationship aspects very heavily. Given the number of services used, staff needs to be confident that the bank’s customer service team will not only be able to address the Village’s questions and concerns, but have the ability and willingness to correct any issue that may arise during the tenure of the relationship. GSB has provided prompt and outstanding customer service during the entire term of the existing agreement, which began over ten years ago. It is the policy of the Village to require all cash on deposit in any financial institution in excess of FDIC insurance be secured by some form of collateral. Furthermore, all collateral pledged will be not less than 110% of the Village funds held by the institution. GSB is proposing the collateral to be a Federal Home Loan Bank Letter of Credit (LOC) which is in alignment with the current Village Investment Policy and in accordance with Government Finance Officers Association’s (GFOA) recommended practices for collateralization. Currently, GSB provides collateralization for the Village in the form of U.S. Treasuries and changing to the LOC will increase the earnings credit rate for the Village by twenty-five basis points. BUDGET: There is sufficient funding in the 2020 budget for banking services. Future funding will be requested in subsequent years. There is no increase in fees for the first three years of the GSB contract with annual increases in years four and five to be the CPI increase over prior year or 2%, whichever is less. RECOMMENDATION: Staff recommends Village Board approval of a Resolution authorizing a five-year contract for banking services with Glenview State Bank. ATTACHMENTS:

1) GSB Resolution 2) GSB Contracts

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Attachment 1:

GSB Resolution

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RESOLUTION NO. _______

WHEREAS, the Village of Glenview (the “Village”) is a home-rule municipality located in Cook County, Illinois;

WHEREAS, the corporate authorities have determined that it is in the public interest for the Village to contract for banking services specific to banking and lockbox services (“the Services”);

WHEREAS, a proposal notice was issued by the Village on February 21, 2020 for the Services;

WHEREAS, the corporate authorities have discussed and considered the banking services proposals and have determined that it is in the public interest for the Village to enter into a contract (the “Contract”) with Glenview State Bank of Glenview, IL (“GSB”) to provide the Services;

WHEREAS, the proposed annual GSB pricing for banking and lockbox services is $33,060.24 and remains flat for the first three years of the contract with increases in years four and five of the contract to be the CPI increase over prior year or 2%, whichever is less;

WHEREAS, the corporate authorities have determined it to be in the best interests of the Village to enter into a five (5) year contract with GSB commencing July 1, 2020 and ending June 30, 2025, a copy of which is attached hereto, and incorporated by reference herein.

NOW, THEREFORE, BE IT RESOLVED, by the President and Board of Trustees of the Village of Glenview, as follows:

The Village President (or his designee) is authorized to execute a five (5) year Contract with Glenview State Bank of Glenview, IL for banking services. PASSED this ___th day of June, 2020. AYES: _______________________________________________________________ NAYS: _______________________________________________________________ ABSENT: _____________________________________________________________ APPROVED by me this ___th day of June, 2020.

____________________________________ James R. Patterson, Jr., President of the Village of Glenview, Cook County, Illinois

ATTESTED and FILED in my office this ___th day of June, 2020. ______________________________________ Matthew J. Formica, Village Clerk of the Village of Glenview, Cook County, Illinois

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Attachment 2:

GSB Contracts

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GLENVIEW STATE BANK

BUSINESSBanker,SM MOBILEBankerSM and Business Xpress Deposit SM Services

Modified for Village of Glenview Section 7 (Exclusion of Certain Damages) and Section 23 (Enforcement)

Agreement and Disclosure Statement

1. TERMS OF AGREEMENT. This Agreement and Disclosure Statement including Exhibits 1-6 (this "Agreement") governs your use of the BUSINESSBankerSM Services, the MOBILEBankerSM Services, the Business Xpress DepositSM Services, Bill Payment Feature, eStatement Feature, ACH Origination Feature, Wire Transfer Feature and Positive Pay Feature (collectively, the “Services”) currently offered by Glenview State Bank (the "Bank" or "we" or "us") and makes disclosures required by law as to certain Services involving electronic funds transfers or payments. BUSINESSBanker,SM MOBILEBankerSM and Business Xpress DepositSM are each registered service marks of Glenview State Bank. The Services are for business use only and may not be used for personal or consumer purposes. You may print a copy of this Agreement at www.gsb.com. This Agreement contains the terms and conditions under which you as a customer of the Bank ("you" or "your") may use certain Services with respect to your Accounts (as defined in Section 2 below). When you use or access any of the Services, or permit anyone else to do so, you and/or signatories of the Accounts (if any) agree to be bound by the terms and conditions of this Agreement. We are authorized by you to honor any instruction for funds transfers using the Services by any one person using the Username and Password established pursuant to this Agreement despite any other agreement with us that requires more than one signature on a check. The Accounts and all transactions using the Services are also subject to terms and conditions of all applicable agreements, fee schedules, rules and regulations of the Bank relating to the type of Account with respect to which the Services are made available, now or in the future, as said agreements, fee schedules, rules and regulations are now in effect or as they may hereafter be amended, modified or adopted (collectively, the “Account Agreements”). This Agreement and the Account Agreements together constitute our complete agreement with you relating to the Services. No other statements, whether oral, written or on our Site, is part of this Agreement unless otherwise provided herein. Unless otherwise provided in the Account Agreements, “Business Days” means Monday through

Friday, excluding Bank holidays and “Business Hours” means generally from 7 AM to 7 PM

Monday through Friday on Business Days.

2. BUSINESSBANKERSM AND MOBILEBANKER SM SERVICES. As used in this Agreement, the term “BUSINESSBankerSM Services” means the online banking services designated as such for businesses that are offered from time to time in the Bank’s discretion through its website at www.gsb.com (the “Site”) and the term “MOBILEBankerSM Services” means banking services designated as such for businesses that are offered from time to time by the Bank in its discretion for use by customers using certain mobile devices As further described below, the Services currently include the activities described below with respect to the checking, negotiable order of withdrawal ("NOW"), savings or insured money

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market accounts at the Bank of which you are the owner (collectively, the "Account" or "Accounts") all on the terms set forth in the Account Agreements and this Agreement (including Exhibits 1 through 6). The Services currently available include the ability to:

1. View balance and transaction information concerning your Accounts. 2. View images of checks clearing your Accounts. 3. Transfer funds between your deposit Accounts. 4. Make payments on your loans held by the Bank. 5. Transfer funds from established lines of credit, if any, accessible through your

checking Account, or by check, to your deposit Accounts. 6. Schedule future transfers on a one-time or recurring basis. 7. Make payments to payees other than the Bank from any of your checking Accounts

(subject to the terms of this Agreement and Exhibit 2). 8. Send electronic mail messages to the Bank. 9. Place stop payment orders for checks written against your Accounts. 10. Make deposits of certain original checks using your mobile device (subject to the

terms of this Agreement and Exhibit 1). 11. Initiate wire transfers to payees other than the Bank from any of your checking

Accounts (subject to the terms of this Agreement and Exhibit 5). 12. Receive certain statements, disclosures and notices from the Bank in electronic

form rather than on paper (subject to the terms of this Agreement and Exhibit 3). 13. Initiate Automated Clearing House (“ACH”) transactions to/from payees (subject to

the terms of this Agreement and Exhibit 4). 14. Utilize Positive Pay features (subject to the terms of this Agreement and Exhibit

6).

3. BUSINESS XPRESS DEPOSITSM Services. As used in this Agreement the term “Business

Xpress DepositSM Services” means the services offered from time to time in the Bank’s discretion

that allow you to make deposits of certain original checks to your Accounts using the camera

feature and other capabilities of your mobile device to deliver digital images and associated

information to us or our processor. In addition to the general provisions of this Agreement, the

terms and conditions on which Business Xpress DepositSM Services are offered are set forth on

Exhibit 1 to this Agreement. To the extent that there is any conflict or inconsistency between the

terms of Exhibit 1 and any other provision of this Agreement, the terms of Exhibit 1 shall take

precedence and control to the extent of such conflict or inconsistency but only with respect to the

Business Xpress DepositSM Services

4. OFFICIAL RECORD OF ACCOUNTS. The Services allow you to view data for your Accounts

with us as a convenience and for informational purposes. The data viewed using the Services is

not the official record of your Accounts or their activity. The Account statements furnished by us in

paper form remain the official record of the Accounts. The Account data available using the

Services is generally updated during the day but is subject to later adjustment and correction.

Such Account data therefore should not be the basis for your deciding to take or not take any

action.

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Please note that if you agree to the eStatement Feature described in Exhibit 3, a different version

of this Section 4 will apply as set forth in Exhibit 3.

5. REQUIREMENTS FOR USE. You shall be solely responsible for obtaining, installing,

maintaining and operating your computer, telephone, mobile device, other equipment, related

software, Internet service and wireless service as may be required from time to time for you to

access and use the Services through the Internet and/or the carrier you select for your mobile

devices (collectively, your “Devices and Connections”) and guarding them against theft, loss,

security breach, damage and misuse. We shall not be responsible for providing, supporting or

maintaining any of your Devices and Connections or their security.

If you call us for support, we may provide you suggestions for adjusting the settings of your

Devices and Connections to help you access the Services. We are not responsible for any

impact these changed settings may have on your Devices and Connections or your security,

data or any other software, data, services, devices or other or equipment.

6. DISCLAIMER OF WARRANTIES. YOU ASSUME THE ENTIRE RISK WITH RESPECT TO YOUR USE OF ANY OF THE SERVICES, AND THE DEVICES AND CONNECTIONS AND ANY ASSOCIATED HARDWARE AND/OR SOFTWARE THAT YOU USE TO ACCESS ANY OF THE SERVICES INCLUDING, WITHOUT LIMITATION, THE RISK THAT ANY AND ALL INFORMATION AND TRANSACTIONS EXCHANGED OR PROCESSED THROUGH ANY OF THE SERVICES ARE VIEWED, COPIED AND/OR TAMPERED WITH BY A THIRD PARTY WHEN IN TRANSIT OR THROUGH YOUR PROVISION OF YOUR IDENTIFIERS (AS DEFINED HEREIN). THE RISK OF ERROR, FAILURE, SECURITY BREACH OR NONPERFORMANCE OF YOUR DEVICES AND CONNECTIONS IS ALSO YOUR RISK. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN OR REQUIRED BY APPLICABLE LAW, ALL OF THE SERVICES ARE PROVIDED "AS IS", AND THE BANK MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT THERETO, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE OR WITH RESPECT TO THE AVAILABILITY, ACCURACY, COMPLETENESS OR TIMELINESS OF ANY SERVICES. THE BANK MAKES NO WARRANTY THAT ANY OF THE SERVICES ARE TOTALLY SECURE OR WILL BE FREE OF ANY VIRUS OR ERROR FREE. IN ADDITION, BANK MAKES NO WARRANTY THAT ANY OF THE SERVICES ARE APPROPRIATE FOR YOUR NEEDS OR THAT THIRD PARTY GOODS AND/OR SERVICES REFERENCED HEREIN WILL PERFORM AS DOCUMENTED. YOU AGREE TO LOOK SOLELY TO THE THIRD PARTY PROVIDER WITH RESPECT TO ANY WARRANTY CLAIMS WITH RESPECT TO THE THIRD PARTY’S GOODS AND/OR SERVICES.

YOU UNDERSTAND AND AGREE THAT THE SERVICES AND ALL INFORMATION

PRODUCTS AND CONTENT, INCLUDING THOSE PROVIDED BY THIRD PARTIES, ARE

SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE. WE MAKE NO WARRANTY

THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, TIMELY OR

SECURE. IF YOU HAVE REQUESTED ALERTS USING THE SERVICES WE WILL USE

REASONABLE EFFORTS TO CAUSE THE ALERTS TO BE SENT BUT WE SHALL NOT BE

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RESPONSIBLE FOR A FAILURE TO SEND THE ALERTS UNLESS THE FAILURE WAS DUE

TO INTENTIONAL MISCONDUCT OR GROSS NEGLIGENCE.

7. EXCLUSION OF CERTAIN DAMAGES; LIMITATION OF LIABILITY; INDEMNITY. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN OR REQUIRED BY APPLICABLE LAW, IN NO EVENT SHALL THE BANK BE LIABLE TO YOU FOR ANY SPECIAL, CONSEQUENTIAL, INCIDENTAL, DIRECT OR INDIRECT DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, OPPORTUNITY OR DATA AND PERSONAL INJURY), WHETHER OR NOT THE BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS, HOWEVER CAUSED, AND ON ANY THEORY OF LIABILITY ARISING OUT OF YOUR USE OF OR INABILITY TO USE THE SERVICES OR ANY OF YOUR DEVICES OR CONNECTIONS THAT YOU USE TO ACCESS OR USE THE SERVICES, VIRUSES OR OTHER PROBLEMS WITH YOUR DEVICES OR CONNECTIONS OR OTHER HARDWARE, SOFTWARE OR SERVICES. Except to the extent otherwise required by applicable law, in no event will the Bank be liable for any claim against you by a third party, and you agree to indemnify and hold the Bank harmless for any third party claims for costs, damages, expenses or liabilities arising out of or in connection with your use of and the performance of the Services in connection therewith, whether alone or in combination with any other product or service except to the extent such claims arise out of the Bank’s negligence or misconduct. Without limiting the foregoing, you acknowledge and agree to assume the entire risk of and liability for loss or corruption of any other software or data or malfunction of any equipment or service (including, without limitation, the Devices and Connections) in connection with using the Services. In no event shall we be liable for damages in excess of your actual loss.

8. MEANS OF IDENTIFICATION. When registering for the Services, you will choose a unique

User ID (“Username”). You will be assigned a password on a temporary basis that you must

change (as initially assigned or later changed, “Password”). The first time you use the Services

using any access method, you will be required to change your Password to a new Password of

your own choice. You will be required to take other steps to further authenticate your identity for

increased security by entering a Secure Access Code generated by the Service and sent to your

selected delivery channel (phone or email). You may also be provided with one or more security

tokens for use with BUSINESSBankerSM (collectively, “Token”) which shall remain property of the

Bank. Your Username, your Password, Token and all additional authentication information or

action required by the Bank, if any, may be referred to collectively as your “Identifiers”. Your

Identifiers are personal and confidential and are used to authenticate and validate your directions

to us.

You acknowledge and agree that the use of your Identifiers with the Services is a security method

intended to help us maintain the security of your Accounts. You are responsible for the

safekeeping of your Identifiers. You agree not to disclose your Identifiers to anyone (other than

employees authorized by you) and to take all reasonable precautions to protect others from

learning your Identifiers and to prevent your employees from disclosing or improperly using your

Identifiers. Any signer of any Account may obtain separate Identifiers from us to access such

Account. The Bank strongly suggests that you change your Identifiers from time to time in order

to enhance security. You, however, acknowledge and agree that the security, integrity and

privacy of any and all information and transactions exchanged or processed through the Services

cannot be guaranteed and that any such information may be viewed, copied or tampered with in

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transit by a third party. You further acknowledge that Bank is not responsible for your failure to

safeguard the privacy of your Identifiers.

We are entitled to act on transaction and other instructions received using your Identifiers and you

agree that the use of your Identifiers will have the same effect as your signature authorizing the

transaction or other instructions. If you disclose any of your Identifiers to any person or entity or

permit anyone to access or use them in connection with the Services, you shall be responsible for

all transactions and other acts or omissions of such persons or entities.

We will never contact you by any means requesting your Identifiers. Such a request may be an

attempt at identity theft. If you receive such a request you should refuse, take appropriate security

precautions and promptly advise us of the attempt.

9. ACCESS, TRANSFER AND PAYMENT LIMITATIONS. You will be denied access to the

Services if you do not provide valid Identifiers. Your access may be denied if you exceed the

number of invalid attempts allowed by us. Transfers and payments are limited to the amount of

funds available for withdrawal in your deposit Accounts or for draws under established lines of

credit, if any. The availability of funds in your deposit Accounts is subject to the availability

schedule published by us from time to time. Transfers from any insured money market Account

cannot exceed six per month (including checks).

Transfers initiated by you during Business Hours on any Business Day generally will be posted

to your Account by 11:59 PM that day; however, transfers initiated after Business Hours on a

Business Day or on a day that is not a Business Day may not be posted to your Account until

11:59 PM the next Business Day. Transfers scheduled for a future date will generally be posted

by 11:59 PM on the requested date if it is a Business Day, or by 11:59 PM on the next Business

Day if the requested date is not a Business Day. If a future transfer cannot be performed

because of insufficient funds in your Account, you will be notified by an e-mail message posted

to your account in the BUSINESSBanker SM system.

You agree that you will not initiate a transfer that violates the applicable laws or regulations of the

United States or any other relevant jurisdiction. We reserve the right to refuse to execute any

transaction (unless required to do so by applicable law or regulation), but will notify you of our

refusal to execute the transaction. Our notice will be provided by email for BUSINESSBankerSM.

10. ADDRESS CHANGES. If your postal or e-mail address changes, you need to come to the

Bank in person or call the Bank at the telephone number set forth in the section of the Agreement

entitled “How to Notify Us” so that we may change our records.

11. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS. Tell us AT ONCE if you believe

any of your Identifiers have been lost, stolen or used without your permission. Generally,

telephoning is the best way of keeping your possible losses down. You could lose all the money

in your Accounts (plus the maximum amount available under established lines of credit, if any,

accessible through any checking Account). You are responsible for all transactions made through

the use of the BUSINESSBankerSM Service regardless of whether the person initiating the

transaction was authorized by you to do so. You agree to cooperate with us in the investigation of

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any claim or dispute and provide us with the necessary information to assist us in resolving your

claim or dispute.

12. STOP PAYMENT ON CHECKS. You can place a stop payment using BUSINESSBankerSM Services and/or MOBILEBankerSM Services on any check issued by you and drawn on your Glenview State Bank checking account. It is your sole responsibility to verify that the check has not previously cleared your account by researching that item using all means available to you. Stop payment orders depend on your entering the correct check number. A stop payment order is effective for 365 days and you must renew the stop payment order if you want it to continue after 365 days. If you need to contact us immediately regarding a stop payment request, you should call the Bank at the telephone number set forth in Section 14 of this Agreement entitled “How to Notify Us”. If you place a stop payment on a check that has already cleared your account we will not be liable for your losses or damages. In no event shall we be liable for damages in excess of your actual loss due to our failure to place a stop payment order, and we will not be liable for any consequential or other damages of the type described in Section 7 above. You agree to indemnify and hold us harmless from any and all claims, liabilities, costs and expenses, including, but not limited to, court costs and reasonable attorney fees, resulting from or arising in connection with our refusal to pay the identified check. Renewals and revocations of stop orders must be placed in writing and must be mailed to: Glenview State Bank Attn: Stop Payment Desk 800 Waukegan Road Glenview IL 60025 Please note that there is a different procedure to stop or change preauthorized bill

payments that are scheduled using the Bill Payment Feature. See Section 2 of Exhibit 2 for

these procedures.

13. TERMINATING AUTOMATIC TRANSFERS. You must cancel at least one (1) Business Day

in advance to stop an automatic transfer that you previously authorized using the

BUSINESSBanker SM or MOBILEBankerSM Services. The cancellation must be processed using

the BUSINESSBanker SM or MOBILEBankerSM Services.

14. HOW TO NOTIFY US. If you believe you have had an unauthorized transaction/transfer on

any of your Accounts or you believe that any of your Identifiers has been lost, misused or stolen or

that someone has transferred or may transfer money from your Account without your permission,

immediately call (847) 729-1900 or write:

Glenview State Bank

Attention: eGSB/BUSINESSBanker

800 Waukegan Road

Glenview, Illinois 60025

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You may also notify us by coming to the above address during Business Hours on Business Days

(as defined in Section 1 above).

15. DAYS AND HOURS OF OPERATION FOR SERVICES. The Services generally are

available all day, seven days a week except at times of “Systems Unavailability”, described below.

However, we post transactions and update information only on Business Days. Any

transaction(s), including scheduled payments, to be made on a day that is not a Business Day will

be posted on the next Business Day.

16. SYSTEMS UNAVAILABILITY. The Services may be unavailable at certain times (“Systems

Unavailability”), including but not limited to the following:

1. For certain brief periods during nightly processing, 2. When we determine that systems require maintenance or upgrades, 3. When we determine that unforeseen maintenance is necessary, 4. When third party service providers are unavailable; and 5. When major events occur, such as earthquakes, fires, floods, energy shortages,

pandemics, severe weather conditions, acts of God, wars, riots, civil unrest, strikes and other labor interruptions, acts of terrorism or a public enemy, computer or communications failures, interruptions in telephone service, electrical outages or any other cause beyond the Bank’s reasonable control.

You agree that the Bank is in no way liable for the unavailability of any Services for any reason.

In the event of a system failure or interruption, your data may be lost or destroyed. Any

transaction that you initiated, were in the process of completing or completed shortly before the

system failure or interruption should be verified by you through means other than online to ensure

the accuracy and completeness of such transaction. You assume the risk of loss of your data

during any system failure or interruption.

17. DISCLOSURE OF INFORMATION ABOUT YOU. We may disclose information to third

parties about your Accounts or the transactions you make:

1. Where it is necessary for completing transactions. 2. In order to verify the existence and condition of one or more of your Accounts for a third

party, including without limitation, a credit bureau, merchant or other payee. 3. In order to comply with government agency rules, regulations and requirements and or

court orders or applicable laws. 4. If you give us your written permission.

Except as prohibited by law, you agree that the Bank may share with its affiliated entities the

information about you that you provide, or that the Bank obtains as a result of transactions or

other activity, for among other things, the purpose of offering you products and services that you

may find of interest. If you do not wish to receive telephone and/or mail solicitations, please notify

us by writing to the address set forth in the “How to Notify Us” section of this Agreement. We will

then remove your name from any mailing or telephone list used for this purpose.

18. WHAT TO DO IN CASE OF ERRORS OR QUESTIONS.

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Telephone us or write us at the number and address shown in Section 15 of this Agreement as

soon as you can if you think your statement is wrong or if you need more information about a

transaction listed on the statement. We must hear from you no later than 30 (thirty) days after we

sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and Account number (if any). 2. Describe the error or the transaction you are unsure about, and explain as clearly as you

can why you believe it is in error or why you need more information. 3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10

days.

We will use commercially reasonable efforts to tell you the results of our investigation within 10

Business Days after we hear from you and to correct any error promptly. If we need more time,

however, we may take up to 45 days to investigate your complaint or question. If we decide to do

this, we will re-credit your Account within 10 Business Days for the amount you think is in error, so

that you will have use of the money during the time it takes us to complete our investigation. If we

ask you to put your complaint or question in writing and we do not receive it within 10 Business

Days, we may not re-credit your Account.

If we decide that there was no error, we will send you a written explanation within 3 Business

Days after we finish our investigation. You may ask for copies of the documents that we used in

our investigation.

19. BANK'S LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a

transfer to or from your Account on time and in the correct amount according to our other

agreements with you and applicable rules and regulations, we may be held liable for your losses

or damages, subject to the limitations set forth in Sections 6 and 7 above. However, there are

some exceptions. For instance, we will not be liable:

1. If through no fault of ours, you do not have enough available funds in your Account to make the transfer.

2. If you use the wrong Identifiers or you have not properly followed any applicable instructions from the provider of your Devices and Connections or Bank user instructions for making transfer and bill payment transactions.

3. If any of your Devices and Connections fails, is unavailable or malfunctions or the Services were not properly working and such problem should have been apparent when you attempted such transaction.

4. If the funds in your Account are subject to legal process or another type of restriction on transfer.

5. If incomplete or inaccurate information is forwarded by the United States Treasury or through an automated clearing house.

6. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.

7. If the error was caused by a system outside the Bank’s control, such as your Internet service provider.

8. If there are other exceptions as established by the Bank from time to time.

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20. TERMINATION OF SERVICES OR ACCESS. As standard practice, the Bank may

deactivate your access to the Services after 180 days of inactivity. If such action is taken by us,

we are not obliged to send you a notice of termination. To resume access after such deactivation,

you will need to reapply for the Services, including the selection of Identifiers.

We also may at any time, at our sole discretion, limit, suspend, modify or terminate the Services,

and may at any time terminate access to your Accounts by use of the Services for any reason. If

such action is taken by us, we will try to notify you in advance, but we are not obliged to do so.

You may cancel this Agreement and your use of the Services at any time by notifying the Bank

as described in the “How To Notify Us” section of the Agreement.

Notice of termination may take up to thirty (30) days to fully process, so you should also cancel

any transfer orders or other transactions previously authorized in addition to notifying us that

you wish to terminate access to the Services. We will not be liable for any transfers or other

transactions during the thirty (30) day period that you have not separately terminated in

accordance with the terms of this Agreement.

If you terminate use of the Services, such termination will terminate this Agreement but will not

affect the rights and responsibilities of the parties under this Agreement with respect to acts and

omissions prior to the effective date of such termination. Termination of the Services will not

terminate your Accounts with the Bank.

21. CHANGES IN TERMS AND FEES. The Bank may change the BUSINESSBankerSM Services and the terms and conditions (including fees) set forth in this Agreement at any time. You will be notified of any such changes as required by applicable law, either by mail or by an electronic message posted on the Site. You understand and agree that by using BUSINESSBanker after a change becomes effective, you have agreed to the change(s). Any amendment, modification or rescission made in the manner described above shall be binding upon you as though expressly agreed to by you. If written notice is mailed to you, it shall be mailed to your last known address as shown on the Bank's records. 22. LINKS TO THIRD PARTY WEB SITES. The Site and the Services may contain links to other

third party web sites. We are not responsible for, nor do we control, the content, products, or

services provided by linked sites. We do not endorse, sponsor or guarantee the products,

information or recommendations provided by linked sites and are not liable for any failure of or

defects in their products or services. Such other third party sites may provide less security than

we do and have privacy policies different than ours. Your access, use and reliance on such sites

and their products or services are at your own risk.

23. ENFORCEMENT; GOVERNING LAW. You agree to be liable to the Bank for any liability,

loss or expense (including reasonable attorney’s fees) that the Bank incurs as a result of any

improper use or dispute involving your Accounts or use of the Services other than as expressly

permitted by this Agreement. You authorize the Bank to deduct any aforementioned liability, loss

or expense from your Accounts without but only after prior notice. This Agreement shall be

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governed by the laws of the State of Illinois and, to the extent applicable, by the laws of the United

States.

Exhibit 1

Business Xpress Deposit℠ Services Feature

Business Xpress Deposit℠ Services are designed to allow you to make deposits of certain

checks (“original checks”) to your Accounts at Glenview State Bank (“we”, “us” or “the Bank”)

from your office or other remote locations by using the camera capability in your mobile device,

and delivering the digital images and associated deposit information (“images”) to us or our

processor with your mobile device.

After your authorized signers download the Bank’s MOBILEBanker℠ app with respect to your

selected Account(s), you may apply for Business Xpress Deposit Services on your mobile

device by selecting the deposit function on your mobile device. By taking this action, you will

have accepted and agreed to the terms of the BUSINESSBankerSM, MOBILEBankerSM and

Business Xpress DepositSM Services Agreement and Disclosure Statement and this

Exhibit 1 to which it is attached (the “Agreement”).

To the extent that there is any conflict or inconsistency between the terms of Exhibit 1 and any

other provision of the Agreement, the terms of Exhibit 1 shall take precedence and control to the

extent of such conflict or inconsistency but only with respect to the Business Xpress DepositSM

Services.

Limits. Deposits made with Business Xpress Deposit Services are limited in amount to $7,500

per day. These limits are subject to change at any time.

Eligible items. You agree to utilize your mobile device’s camera to deposit only checks (i.e.,

drafts drawn on a bank, savings and loan or credit union and payable on demand) that are

payable in U.S. Dollars.

You agree that you will not use Business Xpress Deposit℠ to deposit:

Cashier’s checks, money orders or travelers cheques.

Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you).

Checks payable to you and another party.

Checks that contain evidence of alteration, or that 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 is drawn.

Requirements. Each image must provide all information on the front and back of the original

check at the time presented to you by the drawer, including, but not limited to, information about

the drawer and the paying financial institution that is preprinted on the original check, MICR

information, signature(s), any required identification written on the front of the original check and

any endorsements applied to the back of the original check. The image quality must meet the

standards established by the American National Standards Institute, the Board of Governors of

the Federal Reserve, and any other regulatory agency, clearing house or association.

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Endorsements must be made on the back of the check within 1½ inches from the top edge,

although we may accept endorsements outside this space. Your endorsement must include

your signature and “For Mobile Deposit at Glenview State Bank Only”. Any loss we incur

from a delay or processing error resulting from an irregular endorsement or other markings by

you will be your responsibility.

Checks payable to you and another person or entity may not be processed through Business

Xpress Deposit.

In addition, the checks must meet the date and other requirements for deposit under the

Account Agreements.

Receipt of Deposit. All images of checks processed for deposit through Business Xpress

Deposit Services will be treated as “deposits” under your current Account Agreement with us

and will be subject to all terms of the Account Agreements except as otherwise provided herein.

When we receive an image, we will confirm receipt via email to you. After we receive the

deposit and agree to process it (“Accepted”), we will notify you via email. We shall not be

deemed to have received the image for deposit until we have confirmed receipt to you and

Accepted the deposit. Confirmation of receipt and having Accepted the image does not mean

that the image contains no errors. We are not responsible for any image that we do not receive.

Following receipt, we may process the image by preparing a “substitute check” or clearing the

item as an image.

We reserve the right, at our sole and absolute discretion, to reject any image for remote deposit

into your Account. We will not be liable for doing so even if such action causes outstanding

checks or other debits to your Account to be dishonored and returned. We will notify you of

rejected images.

Original checks. After you receive confirmation that we have received an image, you must

securely store the original check for 90 days after transmission to us and make the original

check accessible to us at our request. Upon our request from time to time, you will deliver to us

within two Business Days, at your expense, the requested original check in your possession. If

not provided in a timely manner, such amount will be reversed from your Account. Promptly

after such 90 day period expires, you must destroy the original check by first marking it “VOID”

and then destroying it by cross-cut shredding or another commercially acceptable means of

destruction. After destruction of an original check, the image will be the sole evidence of the

original check.

You agree that after the Item has been submitted for deposit using Business Xpress Deposit

Services, you shall not re-present, otherwise transfer or negotiate the original item, substitute

check or any other image thereof. You further agree that you shall be solely responsible for the

original item, including storage, retrieval and destruction. You understand that you are

responsible if anyone is asked to make a payment based on an original check that you

deposited using Business Xpress Deposit that has already been paid.

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You agree that the electronic image of the item or any substitute check, as defined by federal

law, will become the legal representation of the item for all purposes, including return items

processing.

Provisional Credit; Returned Deposits. Any credit to your Account for checks deposited

using Business Xpress Deposit is provisional. If checks deposited through Business Xpress

Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are

rejected or returned by a clearing agent or collecting bank, for any reason, including, but not

limited to, issues relating to the quality of the image, you agree that an original check will not be

returned to you, but that we may charge back the amount of the check and provide you with an

image of the original check based on what you initially provided, a paper reproduction of the

original check or a substitute check. You will reimburse us for all loss, cost, damage or expense

caused by or relating to the processing of the returned item. Without our approval, you shall not

attempt to deposit or otherwise negotiate an original check if it has been charged back to you.

We may debit any of your accounts to obtain payment for any item that has been rejected or

returned, for any adjustment related to such item or for any warranty claim related to such item,

whether or not the rejection, return, adjustment or warranty claim was made timely.

Your Warranties. You make the following warranties and representations with respect to each

image:

Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.

The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.

You will not deposit or otherwise endorse to a third party the original check or a paper or electronic representation of it and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.

There are no other duplicate images of the original check.

The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.

You are authorized to enforce and obtain payment of the original check.

You have and will retain possession of the original check until destroyed as required herein and no party will submit the original check for payment.

You will only transmit items that originated as paper items.

With respect to each image, you make to us all representations and warranties that we make or

are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree

that files and images transmitted to us will contain no viruses or any other disabling features that

may have an adverse impact on our network, data, or related systems.

Compliance with Law. You will use Business Xpress Deposit for lawful purposes and in

compliance with all applicable laws, rules and regulations. You warrant that you will only

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transmit acceptable items for deposit and have handled the original items in accordance with

applicable laws, rules and regulations and not in violation of any foreign exchange regulations,

postal regulations or any other treaty, statute, regulation or authority

Business Xpress Deposit Unavailability. Business Xpress Deposit may be unavailable

temporarily due to system maintenance or technical difficulties, including those of the Internet

service provider, cellular service provider and Internet software. In the event that Business

Xpress Deposit is unavailable, you may deposit original checks at our branches, through our

ATMs, or by mailing the original check to: Glenview State Bank, 800 Waukegan Road,

Glenview, IL 60025.

Funds Availability. For purposes of funds availability, Business Xpress Deposits are deemed

to be made in Glenview, Illinois. Xpress Deposits confirmed as received and Accepted before 5

PM on a Business Day will be posted to your Account the same day by 11:59 PM. Deposits

confirmed as received and Accepted after these time periods and deposits confirmed as

received and Accepted on days that are not our Business Days will be posted to your Account

on the following Business Day by 11:59 PM. Funds will be available as described in our Funds

Availability Disclosure.

Business Xpress Deposit Security. You will complete each deposit promptly. If you are

unable to complete your deposit promptly, you will ensure that your mobile device remains

securely in your possession until the deposit has been completed. It is your responsibility to

establish and maintain procedures to safeguard against unauthorized deposits. You will notify

us immediately by telephone at 847-729-1900 or with written confirmation if you learn of any

loss or theft of original checks. You will ensure the safety and integrity of original checks from

the time of receipt until the time of destruction. If warranted in our reasonable judgment, we

may audit and monitor you, and you agree to cooperate with us to permit such auditing and

monitoring, to confirm that you have satisfied your obligations under this Agreement. You agree

to cooperate and provide information or documents, at your expense, as may be reasonably

requested by us in the course of such auditing and monitoring.

Your Responsibility. You are solely responsible for the quality, completeness, accuracy,

validity and integrity of the image of the check to be deposited. You are solely responsible if

you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if

Business Xpress Deposit is used, by authorized or unauthorized persons, to submit fraudulent,

unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us. You are

solely responsible if your mobile device is stolen or accessed without authorization.

In addition, you agree that you will not modify, change, alter, translate, create derivative works

from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce

all or any part of the technology or Service; or interfere, or attempt to interfere, with the

technology or Service. We and our technology partners, including but not limited to,

Q2ebanking, Inc. and Ensenta, retain all rights, title and interests in and to the Services,

software and development made available to you.

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Accountholder’s Indemnification Obligation. You understand and agree that you are

required to indemnify us and hold us harmless against any and all claims, actions, damages,

liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from

your use of the Services and/or breach of this Agreement or applicable laws or regulations

including, without limitation, any negligent or intentional act or omission by you anyone you have

authorized such as duplicate scanning of the same original item, transmission of duplicate

items, calculation errors of deposit totals, numerical errors on deposit data entry and fraudulent

or unauthorized use of your Devices, Connections and/or Identifiers. You understand and agree

that this paragraph shall survive the termination of this Agreement.

You understand and agree that you are required to indemnify our technology partners, including

but not limited to Q2ebanking, Inc. and Ensenta, and hold harmless Q2ebanking, Inc., its

affiliates, officers, employees and agents, as well as Ensenta, its affiliates, officers, employees,

and agents, from and against any third party claims, suits, proceedings, actions or demands,

including but not limited to claims of another financial institution, business entity or

governmental authority, and all losses, liabilities, damages, fines, penalties, costs and

expenses, including court costs and reasonable attorney fees and expenses, arising from such

claims, to the extent such claim is related to the Bank or your use of the Services, Q2ebanking,

Inc. or Ensenta applications, unless such claim directly results from an action or omission made

by Q2ebanking, Inc. or Ensenta in bad faith. You understand and agree that this paragraph shall

survive the termination of this Agreement.

DISCLAIMER OF WARRANTIES. YOU AGREE THAT YOUR USE OF BUSINESS XPRESS

DEPOSIT SERVICES OR ANY OTHER REMOTE BANKING SERVICE 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. WE DISCLAIM ALL

WARRANTIES OF ANY KIND AS TO THE USE OF BUSINESS XPRESS DEPOSIT

SERVICES OR ANY OTHER REMOTE BANKING SERVICE, WHETHER EXPRESS OR

IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF

MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND

NONINFRINGEMENT. WE MAKE NO WARRANTY THAT BUSINESS XPRESS DEPOSIT

SERVICES OR ANY OTHER REMOTE BANKING SERVICE WILL MEET YOUR

REQUIREMENTS OR WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

WE MAKE NO WARRANTY THAT THE RESULTS THAT MAY BE OBTAINED WILL BE

ACCURATE OR RELIABLE OR THAT ANY ERRORS IN ANY REMOTE BANKING SERVICE

OR TECHNOLOGY WILL BE CORRECTED.

LIMITATION OF LIABILITY. THE LIMITATION OF LIABILITY PROVISIONS INCLUDED IN

THE AGREEMENTS ALSO APPLY TO THE BUSINESS XPRESS DEPOSIT SERVICES

HEREUNDER. YOU AGREE THAT WE 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 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 ANY REMOTE BANKING SERVICE, REGARDLESS OF THE FORM OF

ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE),

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EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF, EXCEPT AS

OTHERWISE REQUIRED BY LAW

Fees. Fees charged for the Business Xpress Deposit Service are set forth on the Bank’s

website and may be changed from time to time effective thirty (30) days after such revised fees

are posted unless otherwise required by applicable law. If you continue to use the Business

Xpress Deposit Service after the revised fee becomes effective, your action will constitute your

agreement to pay the revised fee. You authorize us to charge any such fees to either the

Account using the service or any other deposit Account you maintain with us.

Financial Information. You must inform us immediately of any change in any of the

information relevant to your use of Xpress Deposit and provide us with any financial information

we reasonably request in connection with Business Xpress Deposit. You authorize us to review

your history and monitor your use of Business Xpress Deposit when we deem it appropriate to

help assure compliance with the Account Agreements and applicable laws and regulations.

Account Agreements. The Business Xpress Deposit services and all transactions using such

services are also subject to the Account Agreements; provided, however, that in the event of

any conflict or inconsistency between the Account Agreements and terms applicable to

Business Xpress Deposit, the terms applicable to Business Xpress Deposit shall control to the

extent of such conflict or inconsistency.

Exhibit 2

BILL PAYMENT FEATURE 1. BILL PAYMENT. The BUSINESSBankerSM or MOBILEBankerSM Services include access to the Bill Payment Feature described in this Schedule. The Bill Payment Feature enables you to make payments on your current, future or recurring bills from any of your eligible checking Accounts to any payees you choose (to the extent there are available funds in your designated Account for the FULL payment amount). Before the initial payment to a payee is made, you must provide to us the name and address of your payee and information about your account with that payee. Unless your payee has agreed to accept electronic payments, a check will be mailed to the address you give us. You are responsible for providing the correct address and other relevant information as indicated in the payee’s invoice or other payment request document. Payment requests made after 8 PM will not begin to be processed until the next Business Day. When we receive an instruction from you for a bill payment on a future Business Day (a "Payment Date"), we will begin the payment process on the Payment Date. IMPORTANT NOTE: PAYMENTS MADE THROUGH THE BILL PAYMENT FEATURE REQUIRE SUFFICIENT TIME FOR YOUR PAYEE TO CREDIT YOUR ACCOUNT PROPERLY. TO AVOID IMPOSITION OF A FINANCE CHARGE OR OTHER CHARGES BY THE PAYEE, YOU MUST PROCESS YOUR PAYMENTS ON A DATE WHICH IS SUFFICIENTLY IN ADVANCE OF THE DUE DATE OF YOUR PAYMENT. PAYMENTS GENERALLY SHOULD BE SCHEDULED SO

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THE PAYMENT DATE IS AT LEAST SEVEN (7) BUSINESS DAYS PRIOR TO THE PAYMENT DUE DATE OR FIVE (5) BUSINESS DAYS PRIOR TO THE PAYMENT DUE DATE FOR ANY PAYEE THAT WILL ACCEPT ELECTRONIC DELIVERY. ONCE A BILL PAYMENT DATE IS SELECTED, WE WILL PROVIDE YOU WITH A RANGE OF POSSIBLE PAYMENT DATES, STARTING WITH THE EARLIEST POSSIBLE BUSINESS DAY AND ENDING WITH THE LATEST POSSIBLE BUSINESS DAY THAT THE PAYMENT IS EXPECTED TO ARRIVE. EXCEPT TO THE EXTENT PROVIDED IN SECTION 2 BELOW, WE WILL NOT BE RESPONSIBLE FOR ANY CHARGES IMPOSED OR OTHER ACTION TAKEN BY A PAYEE RESULTING FROM LATE PAYMENT, UNLESS YOU CAN PROVE THAT YOU INPUT THE PROPER PAYMENT INFORMATION FOR YOUR ACCOUNT WITH THE PAYEE, THAT YOU HAD SUFFICIENT FUNDS IN YOUR ACCOUNT TO COVER THE PAYMENT AND THAT THE PAYMENT WAS NOT MAILED IN TIME TO ARRIVE AT THE PAYEE BY THE GUARANTEED PAYMENT DATE. ANY SUCH RESPONSIBILITY SHALL BE SUBJECT TO THE LIMITATIONS AND EXCLUSIONS SET FORTH IN THE AGREEMENT TO WHICH THIS EXHIBIT IS ATTACHED. 2. STOP OR CHANGED PREAUTHORIZED BILL PAYMENTS. If you have authorized bill payments to be made from one of your Accounts under the Bill Payment Feature of BUSINESSBankerSM or MOBILEBankerSM, you can stop or change any scheduled payment as long as the payment process for that particular payment has not begun. You may cancel, reschedule or change the amount of any payment using the Bill Payment Feature of BUSINESSBankerSM or MOBILEBankerSM prior to 8 PM on the Business Day preceding the Payment Date. Instructions to stop or change a payment on or after the Payment Date must be given to us by phone or in writing at the number or address shown in Section 12 of this Agreement. If the payment process has already begun, we cannot guarantee that we can successfully stop the payment. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call, as your oral stop payment order will not be binding on us after 14 days. We will also charge you for each stop payment you order under the Bill Payment Feature, in accordance with the Bank's Commercial Banking Fee Schedule for Accounts and Services. If you order us to stop a scheduled payment three or more Business Days before the Payment Date, and we do not do so, we will be liable for your losses or damages. 3. NO LIABILITY FOR CERTAIN PAYEES. Although payments to the following types of payees may be scheduled through the Bill Payment Feature, such payments are discouraged and are scheduled by you entirely at your own risk. IN NO EVENT WILL WE BE LIABLE FOR ANY CLAIMS OR DAMAGES THAT MAY RESULT IF YOU SCHEDULE PAYMENTS TO THE FOLLOWING PAYEES:

Payees outside of the United States, including Canada;

Payees to U.S. Territories;

Tax payments;

Government agencies, or

Court ordered payments (such as child support payments or traffic tickets)

We have no obligation to research or resolve any claim that may result from these types of payments, nor are we responsible for any late payment-related charges when these types of payments are scheduled and/or processed through the Bill Payment Feature. All research and resolution for any misapplied, misposted or misdirected payments will be your sole responsibility.

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4. ASSUMPTION OF RISK. We have no duty to monitor the online transfers or payments that you make. You assume the entire risk of using the Bill Payment Feature properly to ensure that funds are transferred and bills are paid properly and timely. We will not be responsible for any charges imposed or any other action taken by a payee resulting from a bill payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through whom any bill payment is made fails to transmit the payment or the payment instruction properly to the intended payee, or if the payee or its bank fails to transmit a payment instruction or record a bill payment properly. 5. NOT RESPONSIBLE FOR RETURNED PAYMENTS. In using the Bill Payment Feature, you understand that payees and/or the U.S. Postal Service may return payment for various reasons such as, but not limited to, payee’s forwarding address expired; payee’s account number is not valid; payee is not available to locate account; or payee’s account is paid in full. We will use reasonable efforts to research and correct the returned payment and return it to your payee, or void the payment and credit your account. 6. BILL PAYMENT FEES; FUTURE CHANGES. If you use the Bill Payment Feature, you will be charged in accordance with the Bank’s then current published fee schedule. The Bank’s right to change the Services and the terms and conditions (including fees) is set forth in Section 21 of the Agreement to which this Exhibit is attached.

Exhibit 3 eSTATEMENT FEATURE

1.eStatements. The terms of this Exhibit 3 describing the eStatement Feature amend the BUSINESSBankerSM, MOBILEBankerSM and Business Express DepositSM Services Agreement and Disclosure Statement (the “Agreement”) between you and Glenview State Bank, including all previous amendments and addenda.

By logging on to the BUSINESSBankerSM site or using MOBILEBankerSM Services, you consent and agree to the terms of this Exhibit 3with respect to all of your Accounts which are eligible and chosen by you for a combined statement for which BUSINESSBankerSM Services and MOBILEBankerSM Services are provided. This Exhibit 3 supersedes and takes precedence over the Agreement but only to the extent that this Exhibit 3 conflicts with or addresses matters not covered in the Agreement. Except as otherwise provided in this Exhibit 3, all terms and conditions of the Agreement remain in full force and effect. All terms not defined in this Exhibit 3 shall have the respective meanings assigned to such terms in the Agreement. 2. Electronic Delivery of Statements, Disclosures and Notices. This Exhibit 3 allows the Bank to provide statements, disclosures and notices as described below (collectively, “eStatements”) to you in electronic form, in lieu of paper form, including electronic delivery of statements (“eStatements”). Your eStatements will be available on the BUSINESSBankerSM site or using MOBILEBankerSM when they would otherwise be mailed to you by the Bank. The Bank will also send you an e-mail alerting you that an eStatement is available for your review. 3. Providing eStatements as a BUSINESSBankerSM Service or using MOBILEBankerSM

Service. Making the eStatements available to you as described in this Exhibit shall be

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considered one of the “BUSINESSBankerSM Services or MOBILEBankerSM Services” for all purposes of the Agreement including its Exhibits. 4. Records Retention; Paper Copies upon Request. Upon your consent to this Exhibit 3, eStatement delivery will begin starting with your next statement cycle. It is your responsibility to retain your statements and other documents received as eStatements either by downloading and storing the file electronically or by printing out your eStatements and storing them on paper. If you later need a paper copy of an eStatement, the Bank will provide a paper copy, subject to its standard document retention policies, for a charge of $5.00 per statement. Typically, the Bank does not retain statements or other documents for more than seven (7) years.

5. Official Record of Accounts. Section 4 of the Agreement is hereby deleted and replaced with the following:

(a) Except as otherwise provided below with respect to eStatements, the Services allow you to view data for your Accounts with as a convenience and for informational purposes but are not the official record of your Accounts or their activity. The records of the Bank are the official records for all matters relating to the Accounts other than the eStatements. The Account data available using the Services (other than eStatements) is generally updated during the day but is subject to later adjustment and correction. Such Account data therefore should not be the basis for your deciding to take or not take any action.

(b) The eStatements are the official record of those aspects of your Accounts that are the subject of the eStatements unless and until the Bank provides paper copies of the eStatements (for example, the eStatements are the official statements for your Accounts unless and until the Bank returns to providing paper statements for your Accounts).

6. Multiple Signor Accounts. In the Bank’s sole and absolute discretion, it may from time to time require authorization of and provide notice to more than one of the signors on a multiple signor Account. If any Account which you have applied for and have been approved by us to receive eStatements is a multiple signor Account, please be advised that only you will receive and be able to access the eStatements for such Account unless you provide the necessary information to the other signors or the other signors have also signed up for eStatements. Therefore, unless the other signors have signed up for eStatements, you are solely responsible for promptly and timely sharing all eStatements and all other eStatements provided in connection with such other signors on the Accounts as may be needed and/or requested by any signors.

7. Scope of Consent for Electronic Delivery of Statements and Notices. Your consent to receive eStatements covers the periodic statements, notices and disclosures you are provided in connection with your Accounts. The eStatements consist of:

Monthly checking or other account statements showing the activity in your Account(s)

Periodic disclosures or monthly billing statements for your Account(s).

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Notice and disclosures that are required by regulation to be provided to you in writing that are typically provided on or with Account statements.

The Bank will send other notices and disclosures by regular mail. The Accounts and various services offered by the Bank remain subject to the Agreement (except as amended by this Exhibit 3) and the terms and conditions of all applicable account agreements, fee schedules, rules and regulations of the Bank relating to each type of Account.

8. Hardware, Software and Internet Access Requirements. In order for you to receive and retain your eStatements, you are responsible for the hardware, software and Internet access as specified in the Agreement and as may be specified from time to time under this Exhibit 3. You will also need a printer if you wish to print the eStatements. The Bank is not responsible for providing, supporting or maintaining your hardware, software or Internet access.

9. Change of email Address. You agree to notify us immediately of any change in your e-mail address through the BUSINESSBankerSM email change function or by contacting us by phone at 847-729-1900.

10. Your Right to Withdraw Consent. You have the right to withdraw your consent to receive eStatements for any Account by contacting us by phone at 847-729-1900. We will then discontinue eDocument service for that Account and you will receive paper copies of your statements and other documents for subsequent statement periods.

11. Termination of eStatements Services or Privileges. The Bank reserves the right in its sole and absolute discretion to approve whether an Account is eligible for these eStatement Services and to terminate this Exhibit 3 and/or to cancel the ability of any account holder to access any eStatement at any time without notice or as otherwise allowed by law. If the Bank takes any such action it shall make the necessary changes to allow for the delivery of any related Account statement and other materials to be provided as eStatements by mail or as otherwise provided under the original terms of the applicable account agreement and disclosure statement. 12. Access, Privacy and Security. You understand the importance of your role in preventing misuse of your accounts, including the importance of not disclosing or letting others have access to your Identifiers for the Accounts. Please note that other employees may have access to your e-mail. The eStatements include important information about your Accounts, including the balances, the transactions conducted, other Account activity and the terms and conditions covering your Accounts.

13. Errors or Discrepancies. You agree to promptly examine your eStatements for each of your Accounts as soon as you receive them. If you think your statement, receipt or transaction is wrong or you need more information about a transfer listed on the statement or receipt, telephone us at (847) 729-1900 or write at the address below as soon as possible. We must hear from you no later than 30 (thirty) days after we notify you by email of the availability of your

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statement on which the error or discrepancy FIRST occurred. Notice can be mailed to Glenview State Bank, 800 Waukegan Road, Glenview, IL 60025. You must report any errors or discrepancies in accordance with applicable law. See Section 18 of the Agreement for additional requirements and procedures.

Exhibit 4 ACH ORIGINATION FEATURE

1.ACH ORIGINATION. Upon the receipt and Bank approval of your application the BUSINESSBankerSM Services shall include access to the ACH Origination Feature of BUSINESSBankerSM. You may originate ACH payments described below pursuant to the terms of this Exhibit 4 and the Agreement to which it is attached and the rules of the National Automated Clearing House Association (the NACHA rules are available at the NACHA website at www.NACHA.org) and the Midwest Automated Clearing House Association then in effect (the “Rules”), and Bank will act as an Originating Depository Financial Institution (as defined in the Rules) (“ODFI”) with respect to such Entries (defined below). Origination of International ACH Transactions will not be permitted. Unless otherwise defined herein, capitalized terms shall have the meanings provided in the Rules. The term “Entry” or “Entries” shall have the meaning provided in the Rules and shall also mean the data received from you hereunder from which Bank prepares Entries. With regard to any credit or debit Entries initiated and transmitted by you that involve consumers, you will also comply applicable federal and state laws including Regulation E (available at www.FDIC.gov). The following ACH payments are available in the ACH Origination Feature of the BUSINESSBankerSM Services.

Tax Payments - An electronic system for payment of corporate taxes.

ACH Credit Origination - An entry system for transmitting ACH credit Entries from you to your vendors.

ACH Cash Concentration – An entry system for transmitting ACH debit and credit Entries between your own Accounts at Bank and /or other financial institutions.

Payroll Deposit - An entry system for transmitting ACH credit Entries between your Accounts and your employees’ accounts to electronically deposit such employees' payroll checks in their designated accounts. You agree to maintain authorizations by all employees for Entries received by Bank from you and to provide Bank with copies of such authorizations upon demand. In the event any such Entry is determined to be unauthorized, Bank may reject such Entry and terminate this Agreement.

ACH Debit Origination – An entry system for transmitting ACH debit Entries from you to your customers to electronically collect your accounts receivable by charging your customers’ designated accounts. You agree to maintain authorizations by all customers for Entries received by Bank from you and to provide Bank with copies of such authorizations upon demand. In the event any such Entry is determined to be unauthorized, Bank may reject such Entry and immediately terminate this Agreement without obligation to you.

USE OF THE ACH DEBIT ORIGINATION SERVICE REQUIRES SPECIFIC APPROVAL OF BANK. You agree that your designated Account will be charged for electronic tax payments and/or ACH credits processed through the Bank on your behalf or will be credited with ACH debits

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processed through the Bank on your behalf. You agree to maintain sufficient collected funds in this Account to fund the total of all credits introduced into the ACH System by you and your authorized users, and to fund any charge backs for returned ACH debit entries originated from the Account. This Account may be charged on the Fed Operating Business Day that the ACH Entries are received for processing by the Bank. In the event there are not sufficient collected funds in the Account to cover your obligations under this Agreement, you agree that Bank may debit any Accounts maintained by you with Bank or, alternatively, not process the Entries. In the event the Bank processes the Entries on an overdraft basis, you will be assessed customary Bank penalties and charges that you agree to pay. The Bank’s processing of the Entries on an overdraft basis does not constitute a commitment or obligation of the Bank to do so in the future.

Bank shall credit the Account for any amount received by Bank by reason of the return of a Credit Entry (as defined in the Rules) transmitted by Bank for which Bank has previously received payment from you. Such credit shall be made as of the Business Day of such receipt by Bank. 2.SECURITY PROCEDURE. Your access of the ACH Origination services through BUSINESSBankerSM by use of your Identifiers shall constitute your approval of the transaction. Bank will e-mail a confirmation to the email designated by you in the BUSINESSBankerSM Enrollment Form (“ACH Security Procedure”). You acknowledge that the ACH Security Procedure is commercially reasonable and constitutes proper authorization. You acknowledge that the ACH Security Procedure is for verification of authenticity and not to detect an error in the transmission or content of an Error. If an Entry (or a request for cancellation or amendment of an Entry) received by the Bank purports to have been transmitted or authorized by you, it will be deemed effective as your Entry (or request) and you shall be obligated to pay the Bank the amount of such Entry as provided herein even though the Entry (or request) was not authorized by you, provided Bank accepted the Entry in good faith and acted in compliance with the ACH Security Procedure. If an Entry (or request for cancellation or amendment of an Entry) received by Bank was transmitted or authorized by you, you shall be obligated to pay the amount of the Entry as provided herein, whether or not Bank complied with the ACH Security Procedure with respect to that Entry and whether or not that Entry was erroneous in any respect or that error would have been detected if Bank had complied with such procedure. 3.PROCESSING, TRANSMITTAL AND SETTLEMENT BY BANK. (a) Except as provided in Subsection (c) and this Section 4, Bank shall (i) process Entries transmitted from you that conform with the file specifications set forth in the Rules, (ii) transmit such Entries as an ODFI to the Midwest Automated Clearing House Association or the Federal Reserve Bank of Chicago (the "ACH") acting as an ACH processor, and (iii) settle for such Entries as provided in the Rules. (b) Bank shall transmit such Entries to the ACH by the time deadline of the ACH prior to the Effective Entry Date (as defined in the Rules) shown in such Entries, provided (i) such Entries are transmitted by you and are received by 4 PM on a Business Day and, (ii) the Effective Entry Date is at least two Business Days after such day. For purposes of this Agreement, Entries shall be deemed received by Bank, when the electronic transmission is completed. (c) Except as provided in this Section 3., in the case of an On-Us Entry (as defined in the Rules) received for credit to an Account maintained with Bank, Bank shall credit the Receiver's (as

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defined in the Rules) account in the amount of such Entry on the Effective Entry Date contained in such Entry, provided the requirements set forth in Section (b) above are met. 4.REJECTION OF ENTRIES. Bank shall reject any Entry which does not comply with the requirements of Section 3, or which contains an Effective Entry Date more than 365 days after the Business Day such Entry is received by Bank. Bank shall have the right to reject an On-Us Entry for any reason for which an Entry may be returned under the Rules. Bank shall have the right to reject any Entry if you have failed to comply with your Account balance obligations under Section 1. Bank shall notify you by phone of such rejection no later than the ACH Business Day such Entry would otherwise have been transmitted by Bank to the ACH or, in the case of an On-Us Entry, its Effective Entry Date. Notices of rejection shall be effective when given. Bank shall have no liability to you by reason of the rejection of any such Entry or the fact that such notice is not given at an earlier time than that provided herein. 5.CANCELLATION OR AMENDMENT BY YOU. You shall have no right to cancel or amend any electronic Entry after its receipt by Bank. However, Bank shall use reasonable efforts to act on a request by you for cancellation of an Entry prior to transmitting it to the ACH or, in the case of an On-Us Entry, prior to crediting a Receiver's account, provided such request complies with the ACH Security Procedure for cancellation of data, but shall have no liability if such cancellation is not effected. You shall reimburse Bank for any expenses, losses or damages Bank may incur in effecting or attempting to effect your request for the reversal of an Entry. 6.NOTICE OF RETURNED ENTRIES. Bank shall notify you by phone of the receipt of a returned Entry from the ACH no later than one ACH Business Day after the Business Day of such receipt. 7.ACCOUNT RECONCILIATION. Entries transmitted by Bank or credited to a Receiver's account maintained with Bank will be reflected on your periodic statement issued by Bank with respect to the Account pursuant to the agreement between Bank and you. You agree to notify Bank promptly of any discrepancy between your records and the information shown on any such periodic statement. If you fail to notify Bank of any such discrepancy within 30 (thirty) days of receipt of a periodic statement containing such information, you agree that Bank shall not be liable for any other losses resulting from your failure to give such notice or any loss of interest with respect to an Entry shown on such periodic statement. All other review and reporting requirements of the agreements that govern your Accounts shall also apply. 8. YOUR REPRESENTATIONS AND AGREEMENTS; INDEMNITY. You represent to Bank and agree that: (a) each person shown as the Receiver on an Entry received by Bank from you has authorized the debiting or crediting of the Account, as applicable, and the initiation of such Entry in the amount and on the Effective Entry Date shown on such Entry, (b) such authorization is operative at the time of transmittal or crediting the Bank as provided herein, (c) You shall not use Bank's name or disclose your relationship with Bank to the Receiver, (d) You shall perform your obligations under this Agreement in accordance with all

applicable laws, including, but not limited to, OFAC (Office of Foreign Assets Control) enforced

sanctions (www.ustreas.gov/ofac) and will not act on behalf of, or transmit funds to or from, any

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blocked party subject to such sanctions. You shall not initiate ACH entries that violate these

laws, nor the laws governing NACHA (National Automated Clearing House Association). From

time to time there may be a need for Bank to temporarily suspend the processing of a

transaction, for greater scrutiny that might result in delayed settlement and/or availability.

(e) You shall be bound by and comply with the Rules as in effect from time to time, including without limitation the provision thereof making payment of an Entry by the Receiving Depository Financial Institution (“RDFI”) to the Receiver provisional until receipt by the RDFI of final settlement for such Entry; and specifically acknowledge that you have received notice of the Rules and of the fact that, if such settlement is not received, the RDFI shall be entitled to a refund from the Receiver of the amount credited and you shall not be deemed to have paid the Receiver the amount of the Entry, (f)You shall not attempt to evade the ACH Security Procedure established by the Bank, (g) You shall be responsible for establishing effective internal security procedures to restrict access to the processes provided under this Agreement to only those employees of you who need such processes to perform their jobs, (h) You shall indemnify Bank against any loss, liability or expense (including attorneys' fees and expenses) resulting from or arising out of any breach of any of the foregoing representations or agreements, and (i) You agree to allow the Bank reasonable access to your records to verify compliance with this agreement and the Rules. 9. INCONSISTENCY OF NAME AND ACCOUNT NUMBER. You acknowledge and agree that, if an Entry describes the Receiver inconsistently by name and account number, payment of the Entry transmitted by Bank to the RDFI might be made by the RDFI (or by Bank in the case of an On-Us Entry) on the basis of the account number even if it identifies a person different from the named Receiver, and that your obligation to pay the amount of the Entry to Bank is not excused in such circumstances. 10. NOTIFICATIONS OF CHANGE. Bank shall notify you of all notifications of change received by Bank relating to Entries transmitted by you by mail, or telephone no later than two (2) Business Days after receipt thereof. Said notice shall be deemed effective when mailed (by regular U.S. mail), telephoned or faxed. 11. Pre-Funding. The Bank reserves the right to require you to pre-fund your Account maintained at the Bank prior to the settlement date of the ACH file. You will provide immediately available and collected funds sufficient to pay all entries initiated by you no later than 8:00 AM 3 Business Days before each settlement date. 12. LIABILITY FOR DEBIT BALANCES. You will be liable for any debit balances in the Account, including without limitation overdrafts and Account charges, whether or not the debit balance was caused by ACH credit entries or chargeback of ACH debit entries, and promises to pay, upon demand, any and all debit balances, all fees and charges, and our reasonable attorneys’ fees and costs and expenses of collections, including but not limited to those incurred at trial and on any appeal.

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Exhibit 5 WIRE TRANSFER FEATURE 1.WIRE TRANSFER ORIGINATION. Upon the receipt and Bank approval of your application, the BUSINESSBankerSM or MOBILEBankerSM Services include access to the Wire Transfer Feature. You may initiate wire transfer requests pursuant to the terms of this Agreement (including this Exhibit 5 and the related application) with instructions to the Bank to pay, or cause another bank to pay, a fixed or determinable amount of money to a beneficiary (“Payment Order”). Payment Orders will be executed only on Business Days. 2.RECEIPT OF PAYMENT ORDERS. Payment Orders must be received by the Bank not later than 2:00 PM on a Business Day in order for the execution of such Payment Orders to be initiated by the Bank on such day. The Bank may treat any Payment Orders received after 2:00 PM as if it were received by 2:00 PM or may treat it as if it was received at the opening of the next Business Day. This deadline may change from time to time. 3.EXECUTION OF PAYMENT ORDERS. The Bank will initiate the execution of each Payment Order received by it in your name as sender, provided that you have sufficient available funds on deposit in an Account, and provided that the Payment Order is verified as your authentic Payment Order using the Wire Transfer Security Procedure (as defined in Section 7). The Bank may, but shall not be obligated to, initiate any Payment Orders if there are insufficient available funds in your Account(s) but if the Bank does execute any such Payment Order, you shall immediately pay on demand the amount of any overdraft. The Bank reserves the right to charge any other of your Accounts in the event no account is designated as an Account or the Account contains insufficient collected balances. Any Account overdraft balances will be subject to the Bank's standard overdraft fees and charges. The Bank shall have the right to select a method of transferring funds which it deems to be appropriate and reasonable under the circumstances. 4.REJECTION OF PAYMENT ORDERS You agree that the Bank reserves the right to decline to process, or to delay in processing, any Payment Order: (a) which is in excess of the collected funds balance in the Authorized Account at the time of the Bank's receipt of such Payment Order, (b) if initiating such Payment Order would cause the Bank, in the Bank's sole judgment, to exceed any volume, aggregate dollar, network, time or similar limits upon wire transfers which are applicable to the Bank or (c) if the Bank, in good faith, is unable to satisfy itself that the requested Payment Order has been properly authorized by the individual requesting the same, whether or not such person is an authorized user. The Bank will notify you if a Payment Order is not executed by the Bank. Notification may be given orally or by telephone as deemed commercially reasonable in the circumstances. 5.CANCELLATION AND AMENDMENT OF PAYMENT ORDERS. Prior to the Bank's execution of a Payment Order, you may cancel or amend a Payment Order, provided that the cancellation or amendment instruction is received by the Bank at a time and in a manner affording the Bank a reasonable opportunity to act and that the cancellation or amendment is verified as your authentic instruction using the Wire Transfer Security Procedure. In the event the Bank is unable to effect the cancellation or amendment, the Bank shall incur no liability to you in connection therewith. 6.MISIDENTIFICATION OF BENEFICIARY OR BENEFICIARY'S BANK You acknowledge and agree that (a) if a Payment Order identifies the beneficiary by both a name and an identifying number and the name and identifying number identify different persons, payment of

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such Payment Order might be made by the beneficiary's bank on the basis of such identifying number, even if such number identifies a person different from the named beneficiary of such Payment Order; and (b) if a Payment Order identifies any bank by both name and an identifying number and such name and number identify different persons, any bank may rely on such number as the proper identification of the bank with respect to the Payment Order. 7.WIRE TRANSFER SECURITY PROCEDURE. Your access of the Wire Transfer Feature by use of your Identifiers constitutes your approval of the transaction. Bank will e-mail using BUSINESSBankerSM or MOBILEBankerSM to the email address designated by you in the Enrollment Form (“Wire Transfer Security Procedure”). You acknowledge that the procedures described herein (collectively, the “Wire Transfer Security Procedure”) are commercially reasonable and constitute proper authorization. If a Payment Order (or a request for cancellation or amendment of a Payment Order) received by Bank purports to have been transmitted or authorized by you, it will be deemed effective as your Payment Order (or request) and you shall be obligated to pay Bank the amount of such Payment Order as provided herein even though the Payment Order (or request) was not authorized by you, provided Bank acted in compliance with the Wire Transfer Security Procedure. 8.LIMITATION OF LIABILITY. In performing the Wire Transfer Feature of the BUSINESSBankerSM or MOBILEBankerSM Services, the Bank shall exercise reasonable care in accordance with banking industry standards, and shall be liable to you only for losses which are caused directly by the Bank's failure to exercise such care. You shall be responsible for any liability, loss, or damage resulting from the Bank's actions taken in accordance with instructions to the Bank from unauthorized persons so long as the Bank complied with the Wire Transfer Security Procedure. If a Payment Order, cancellation or amendment received by the Bank was transmitted or authorized by you, you shall be obligated to pay the amount of the Payment Order, whether or not the Bank complied with the Wire Transfer Security Procedure, whether or not that Payment Order, cancellation or amendment was erroneous in any respect or that error would have been detected if the Bank had complied with the Wire Transfer Security Procedure. You agree to notify the Bank immediately by telephone and in writing within 10 (ten) calendar days after receipt of the confirmation of a Payment Order of any discrepancies between your records and the confirmation. In addition, all other review and reporting requirements of the Account agreements shall also apply. The Bank is not responsible or liable for detecting any of your errors or inconsistencies in instructions contained in any Payment Order given by you to the Bank. The Bank's liability for loss of interest resulting from the Bank's failure to exercise ordinary care shall be limited to the amount of interest on funds made unavailable to you computed at the rate paid by the Bank from time to time on regular savings accounts for each of the days for which interest is payable divided by 365, provided the Bank has been properly notified. The Bank shall be deemed to have exercised ordinary care if its action or failure to act is in conformity with general banking usages and practices and is not disapproved by the Uniform Commercial Code. 9.FEDWIRE AND APPLICABLE RULES. Each Payment Order, cancellation or amendment may be executed using the Federal Reserve Wire Network ("Fedwire"). You acknowledge that the rights and obligations of the Bank and you with respect to any Payment Order, of which any part is carried out through the use of Fedwire, will be governed by all applicable laws, regulations, rules and operating circulars of the Federal Reserve System or Federal Reserve

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Banks and government agencies and the Bank's right to reverse, adjust, stop payment or delay posting of an executed Payment Order is subject to such applicable laws, regulations, rules and operating circulars.

Exhibit 6

POSITIVE PAY FEATURE

1.POSITIVE PAY. The BUSINESSBankerSM Services include access to the Positive Pay Features. 2.DEFINITIONS. As used in this Agreement:

(a) "Check Information" shall mean such information identifying an Issued Check as the BUSINESSBankerSM system may require (which may include, without limitation, account number, serial number, payee and amount) in a BUSINESSBankerSM prescribed electronic format. (b) “Check Listing” shall mean a listing maintained in the BUSINESSBankerSM Positive Pay system containing Check Information which has been electronically transmitted by Customer to BUSINESSBankerSM. (c) “Issued Check” shall mean any check drawn by the Customer on the enrolled Account(s), at GSB. (d) "Presented Check" shall mean any check presented for payment at GSB which appears to have been drawn by Customer on GSB.

3.TRANSMISSION AND INPUT OF CHECK INFORMATION Prior to 3:00 PM on any Business Day during which Customer issues any Issued Check, Customer shall transmit Check Information to GSB using BUSINESSBankerSM. 4.CHECK PRESENTMENT: PAYMENT OR RETURN.

(a) Upon presentment of any Presented Check at GSB, BUSINESSBankerSM shall by 8:00 AM on the Business Day following the Business Day of presentment, compare the Check Information for such Presented Check to the Check Information contained in the Check Listing. (b) If the Check Information for such Presented Check matches the Check Information for an issued Check listed in the Check Listing, such Presented Check shall be (i) conclusively presumed to be such Issued Check and (ii) authorized by Customer to be paid by GSB without further examination by GSB of such Presented Check. (c) If the Check Information for such Presented Check does not match the Check Information for any Issued Check listed in the Check Listing, Customer shall review such Presented Check for determination of payment disposition online using the BUSINESSBankerSM Positive Pay system. Customer shall complete its determination of the payment disposition by 2:00 PM on the Business Day following the Business Day of presentment. Customer payment disposition of unmatched items will follow the instructions set forth on the BUSINESSBankerSM enrollment form. (d) Nothing in this Agreement shall affect GSB’s right to return any Presented Check to the depositary Bank (i) pursuant to any controlled disbursement agreement among

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Customer and GSB or pursuant to any other agreement among any of Customer and GSB (ii) if the account on which such Presented Check was drawn does not contain sufficient available funds to pay such Presented Check, or (iii) if GSB in its sole discretion determines that such Presented Check is not properly payable.

5.STOPPING PAYMENT. If Customer desires to stop payment of any Issued Check listed in the Check Listing, Customer must issue a stop-payment order with respect to such Issued Check in accordance with GSB's usual stop-payment procedures.

Village of Glenview (“you”)

By:

(Village/Customer Signature)

Name: Title: ___________________________ Please Print

Date: ___________________________________

Glenview State Bank

By:

Signature

Name: Title: ___________________________ Please Print

Date: ___________________________________

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jtappendorf

Callout

Add: ", except to the extent such claims arise out of the Bank's negligence or misconduct.

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change "without prior notice" to "but only after prior notice."

STATE BANK WIRE TRANSFER SERVICES AGREEMENT SINCE 1921

Dated between Glenview State Bank and ("Customer" Please Print)

The following terms and conditions shall apply to the transfer of funds from or into the Customer's account(s) at Glenview State Bank ("Bank").

Definitions The following words or terms have the designated meanings:

"Agreement" refers to this Wire Transfer Agreement and any amendments and exhibits attached to this Agreement.

"Authorized Account(s)" means a deposit account of the Customer in the Bank designated by the Customer as a source of payment of (i) Payment Orders issued by the Customer to the Bank and (ii) Reverse Wire Transfers in accordance with instructions specified in Exhibit 2 (if any). If the Customer does not designate an account, any account of the Customer is an authorized account if payment of a Payment Order or a Reverse Wire Transfer from that account is not inconsistent with a restriction on the use of that account.

"Authorized Individual(s)" means the Customer or any individual(s) designated by the Customer to act on behalf of the Customer with regard to the Agreement.

"Execution Date" means the day on which the Bank may properly (i) issue a payment order in execution of the Customer's Payment Order or (ii) charge the Customer's Authorized Account for a Reverse Wire Transfer received by Bank. The Execution Date cannot be earlier than the day the Payment Order or drawdown request for the Reverse Wire Transfer is received.

"Funds-Transfer Business Day" means the part of the day during which the Bank is open for the receipt, processing, and transmittal of Payment Orders and cancellations and amendments of Payment Orders and Reverse Wire Transfers (if applicable).

"Payment Order" means an instruction of the Customer to the Bank to pay, or cause another bank to pay, a fixed or determinable amount of money to a beneficiary.

"Personal Identification Number" means that identifying number assigned by the Bank to each Authorized Individual designated by the Customer.

"Reverse Wire Transfer" means an instruction received by Bank from the Fedwire (hereinafter defined) to charge Customer's Authorized Account.

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bstrumpf

Typewritten Text

GLENVIEW

"Security Procedure" means those procedures stipulated in this Agreement for the purpose of verifying that a Payment Order or communication amending or canceling a Payment Order is that of the Customer, or detecting error in the transmission or the content of the Payment Order or communication.

Receipt of Payment Orders Payment Orders must be received by the Bank not later than 1:30 p.m. (local Chicago time) on a Funds-Transfer Business Day in order for the execution of such Payment Orders to be initiated by the Bank on such day. The Bank may treat any Payment Orders received after 1:30 p.m. (local Chicago time) as if it were received by 1:30 p.m. or may treat it as if it was received at the opening of the next Funds-Transfer Business Day. This deadline may change from time to time upon notice to you.

Execution of Payment Orders The Bank will initiate the execution of each Payment Order received by it in the name of the Customer as sender, provided that the Customer has sufficient available funds on deposit in an Authorized Account, and provided that the Payment Order is verified as the authentic Payment Order of the Customer using the applicable Security Procedure. The Bank may, but shall not be obligated to, initiate any Payment Orders if there are insufficient available funds in the Customer's Authorized Account(s) but if the Bank does execute any such Payment Order, the Customer shall immediately pay on demand the amount of any overdraft. The Bank reserves the right to charge any other account of the Customer in the event no account is designated as an Authorized Account or the Authorized Account contains insufficient collected balances. Any Authorized Account or other Customer account overdraft balances will be subject to the Bank's standard overdraft fees and charges.

The Bank shall have the right to select a method of transferring funds which it deems to be appropriate and reasonable under the circumstances.

Rejection of Payment Orders The Customer agrees that the Bank reserves the right to decline to process, or to delay in processing, any Payment Order (or Reverse Wire Transfer, if applicable): (a) which is in excess of the collected funds balance in the Authorized Account at the time of the Bank's receipt of such Payment Order (or Reverse Wire Transfer, if applicable), (b) if initiating such Payment Order (or Reverse Wire Transfer, if applicable) would cause the Bank, in the Bank's sole judgment, to exceed any volume, aggregate dollar, network, time or similar limits upon wire transfers which are applicable to the Bank or (c) if the Bank, in good faith, is unable to satisfy itself that the requested Payment Order (or Reverse Wire Transfer, if applicable) has been properly authorized by the individual requesting the same, whether or not such person is an Authorized Individual. The Bank will notify the Customer if a Payment Order (or Reverse Wire Transfer) is not executed by the Bank. Notification may be given orally, by telephone, by first class United States mail or private delivery services or by facsimile transmission as deemed commercially reasonable in the circumstances.

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Cancellation and Amendment of Payment Orders Prior to the Bank's execution of a Payment Order, a Payment Order may be canceled or amended by the Customer, provided that the cancellation or amendment instruction is received by the Bank at a time and in a manner affording the Bank a reasonable opportunity to act and that the cancellation or amendment is verified as an authentic instruction of the Customer using the applicable Security Procedure. In the event the Bank is unable to effect the cancellation or amendment, the Bank shall incur no liability to the Customer in connection therewith.

Misidentification of Beneficiary or Beneficiary's Bank The Customer acknowledges and agrees that (a) if a Payment Order identifies the beneficiary by both a name and an identifying number and the name and identifying number identify different persons, payment of such Payment Order might be made by the beneficiary's bank on the basis of such identifying number, even if such number identifies a person different from the named beneficiary of such Payment Order; and (b) if a Payment Order identifies any bank by both name and an identifying number and such name and number identify different persons, any bank may rely on such number as the proper identification of the bank with respect to the Payment Order.

Security Procedures The Customer agrees that the authenticity of a Payment Order, cancellation or amendment will be verified as being that of the Customer using one of the following Security Procedures:

1. The Customer may communicate a Payment Order, cancellation or amendment to the Bank by telephone. The following information must be provided: the name of the Customer; the number of the Authorized Account from which the Payment Order is to be paid; the amount of the Payment Order, the name of the beneficiary, the address of the beneficiary, the name and identifying number of the beneficiary bank, the beneficiary's account number at the beneficiary's bank and the Execution Date of the Payment Order. An Authorized Individual of the Customer must communicate their Personal Identification Number ("PIN") to the Bank at the time the Payment Order, cancellation or amendment is initiated. The Bank shall confirm each Payment Order, cancellation or amendment by telephoning any other Authorized Individual at the designated call back phone number authorized by the Customer. The Authorized Individual contacted must communicate their assigned PIN to the Bank at the time of the confirmation.

2. The Customer may communicate a Payment Order, cancellation or amendment to the Bank by written instruction or facsimile transmission. The written instruction or facsimile shall contain the following information: the name of the Customer; the number of the Authorized Account from which the Payment Order is to be paid; the amount of the Payment Order; the name of the beneficiary; the address of the beneficiary; the name and identifying number of the beneficiary bank, the beneficiary's account number at the beneficiary's bank and the Execution Date of the Payment Order. The written instruction or facsimile must be signed by an Authorized Individual of the Customer. The Bank shall confirm each Payment Order, cancellation or amendment by verifying the signature of the Authorized Individual and by telephoning any other Authorized Individual at the designated call back phone number authorized by the

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Customer. The Authorized Individual contacted must communicate their assigned PIN to the Bank at the time of the confirmation.

Receipt and Execution of Reverse Wire Transfers The Bank may process and charge the Customer's Authorized Account for Reverse Wire Transfers from the Fedwire that conform to the instructions set forth in Exhibit 2 to this Agreement (if any). No funds transfers will be made unless sufficient available funds are on deposit in an Authorized Account. The Bank may, but shall not be obligated to, transfer funds if there are insufficient available funds in the Customer's Authorized Accounts, but if the Bank does pay the amount of any such Reverse Wire Transfer, the Customer shall immediately pay on demand the amount of any overdraft. The Bank reserves the right to charge any other account of the Customer in the event no account is designated as any Authorized Account or the Authorized Account contains insufficient collected balances. Any Authorized Account or other Customer account overdraft balances will be subject to the Bank's standard overdraft fees and charges.

Recording Communications The Customer and the Bank agree that all telephone conversations made for or on behalf of the Customer or the Bank pursuant to or in connection with this Agreement may but shall not be obligated to, be recorded, stored and used by the Customer and the Bank.

Fees The Customer agrees to pay the Bank all fees when due for the services rendered in connection with this Agreement pursuant to the Bank's normal fees schedule. The fee schedule may be modified with notice to the Customer. The Customer agrees to pay any and all fees and/or charges not covered under the fee schedule for any requested or required special service or handling. The Customer authorizes the Bank to charge the Authorized Account or any account it maintains at the Bank for such fees.

Limitation of Liability In performing the services which are the subject of this Agreement, the Bank shall exercise reasonable care in accordance with banking industry standards, and shall be liable to Customer only for losses which are caused directly by the Bank's failure to exercise such care. The Customer shall be responsible for any liability, loss, or damage resulting from the Bank's actions taken in accordance with instructions to the Bank from unauthorized persons so long as the Bank complied with the agreed upon Security Procedures. If a Payment Order, cancellation or amendment received by the Bank was transmitted or authorized by the Customer, the Customer shall be obligated to pay the amount of the Payment Order, whether or not the Bank complied with the agreed upon Security Procedures, whether or not that Payment Order, cancellation or amendment was erroneous in any respect or that error would have been detected if the Bank had complied with such Security Procedures.

The Customer agrees to notify the Bank immediately by telephone and in writing within 10 calendar days after receipt of the confirmation of a Payment Order or a Reverse Wire Transfer or account statement, of any discrepancies between its records and the confirmation and/or account statement. Thereafter, the Bank will not be liable for any interest thereon.

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The Bank is not responsible or liable for detecting any Customer error or inconsistency in instructions contained in any Payment Order or Reverse Wire Transfer confirmation (if any) given by the Customer to the Bank.

The Bank shall not be liable for any indirect, special, punitive or consequential damages under this Agreement, even if the Bank has been advised of the possibility of such damages. The Bank's liability for loss of interest resulting from the Bank's failure to exercise ordinary care shall be limited to the amount of interest on funds made unavailable to the Customer computed at the rate paid by the Bank from time to time on regular savings accounts for each of the days for which interest is payable divided by 365, provided the Bank has been properly notified. The Bank shall be deemed to have exercised ordinary care if its action or failure to act is in conformity with general banking usages and practices and is not disapproved by the Uniform Commercial Code.

Except to the extent caused by the Bank’s negligence or willful misconduct, the Customer agrees to indemnify and hold the Bank harmless for and from all claims, losses, liabilities and expenses, (including but not limited to attorneys' fees and court costs), resulting from any action taken, or not taken, by the Bank pursuant to this Agreement or any other matters related to this Agreement. This indemnity shall survive termination of this Agreement.

Force Majeure The Bank shall not be liable for its failure to perform its obligations under this Agreement when such failure is the result of interruptions of the Bank's business due to equipment failure or malfunction, energy shortage, act of God, act of government authority, act of a public enemy or war or riot, flood, civil commotion, labor difficulty, severe or adverse weather conditions, failure in any communications service used in connection with or in conjunction with the execution or cancellation of Payment Orders or Reverse Wire Transfer (if applicable), and any other causes beyond the Bank's control.

Fedwire and Applicable Rules Each Payment Order, cancellation or amendment and each Reverse Wire Transfer may be executed using the "Federal Reserve Wire Network" ("Fedwire"). The Customer acknowledges that the rights and obligations of the Bank and the Customer with respect to any Payment Order or Reverse Wire Transfer, of which any part is carried out through the use of Fedwire, will be governed by all applicable laws, regulations, rules and operating circulars of the Federal Reserve System or Federal Reserve Banks and government agencies ("Rules") and the Bank's right to reverse, adjust, stop payment or delay posting of an executed Payment Order or Reverse Wire Transfer is subject to the applicable Rules.

Choice of Law The Customer and the Bank agree that if a Payment Order, cancellation or amendment is a funds transfer as defined in section 4A-104(a) of the Uniform Commercial Code, all actions and disputes relating thereto shall be determined pursuant to Article 4A of the Illinois Uniform Code except to the extent that the Electronic Fund Transfers Act of 1978 or other federal laws are applicable thereto and provide a different or contrary rule.

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The Customer and the Bank agree that Reverse Wire Transfers shall be subject to the applicable rules and regulations of the Midwest Automated Clearinghouse Association.

This Agreement shall be governed by the laws of the State of Illinois, including the Illinois Uniform Commercial Code and applicable Federal laws.

General Provisions The Customer shall be solely responsible for the safekeeping of any Personal Identification Numbers that the Customer shall authorize the Bank to give to Authorized Individuals to initiate or confirm Payment Orders, cancellations or amendments or for any callback phone numbers supplied by the Customer. The Customer shall promptly notify the Bank of any breach in security.

The Authorized Individuals whose names are furnished by the Customer to the Bank as having authority to initiate and confirm Payment Orders (or Reverse Wire Transfer, if applicable),shall continue to be so authorized until such time the Bank receives written notice to the contrary. Additional Authorized Individuals may be added by the person or persons executing this Agreement on behalf of the Customer.

Nothing in this Agreement nor any course of dealing between the Customer and the Bank constitutes a commitment or obligation of the Bank to extend any credit to the Customer with respect to funds transfers.

Either the Bank or the Customer may terminate this Agreement by giving 5 business days' advance written notice to the other.

This Agreement supersedes all prior agreements and understandings between the Customer and the Bank relating to the subject matter of this Agreement. This Agreement may be amended only by written agreement signed by the Customer and the Bank.

Neither the Bank or Customer may assign or transfer any of its rights or obligations under this Agreement, except that, upon reasonable notice to the Customer, the Bank may transfer its rights and obligations under this Agreement to a wholly-owned subsidiary or affiliate of the Bank.


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Along with this Agreement, the Customer shall provide to the Bank, satisfactory evidence of the Customer's authority to execute and perform its obligations hereunder and any other documents which the Bank may require.

By: (Customer Signature)

Name: Please Print

Account Number

Account Number

Account Number

E-mail

For Glenview State Bank, Only

By: ______________________________________________ By: ____________________________ (Signature) (Signature)

Name: ___________________________________________ Name: _________________________ Please Print Please Print

Title: ____________________________________________ Title: __________________________

Date: ____________________________________________ Date: __________________________

Wire Transfer Agreement Rev7/19 pla Pag e 7

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* Special Request by Customer

P Check this box if two authorized persons are required to approve the transaction prior to sending the wire.

By: By:

Name:

(Customer Signature)

Name:


Please Print Please Print

By: By:

Name:


Name:



By: By:

Name:


Name:



By: By:

Name:


Name:



By: By:

Name:


Name:



By: By:

Name:


Name:



*This means

I. One authorized signer will initiate the wire, via phone or fax. 2. Glenview State Bank will contact another authorized signer by phone to confirm the wire.

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GLENVIEW STATE BANK EXHIBIT 1

WIRE TRANSFER AUTHORIZED INDIVIDUAL FORM

Each of the following persons, acting singly, is authorized to initiate and confirm Payment Orders (and Reverse Wire Transfers, if applicable):

Authorized Individual's Name (Please Print)

Authorized Individual's Signature

Telephone Number

Wire Transfer Limit

PIN (For Bank Use Only)

$

$

$

$

$

$


Name: Please Print

Title: __________________________________

E-mail Address(es): _________________________ By providing an e-mail address you are giving us permission to send your Wire Transfer of Funds Notice electronically rather than through the US Mail.

Date: _____________________


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GLENVIEW STATE BANK EXHIBIT 2

REVERSE WIRE TRANSFER AUTHORIZATION

Customer hereby selects the following authorization procedure for Reverse Wire Transfers:

1 Bank is instructed to process (charge) Customer's Authorized Account for a Reverse Wire Transfer received by Bank that was originated by _______________________________ . Bank is not required to call Customer.

11 Bank is instructed to process (charge) Customer's Authorized Account for a Reverse Wire Transfer received by Bank that was originated by _______________________________ . Bank is only required to call Customer if the individual amount requested exceeds $ ___________


Name: (Please Print)

Title: __________________________________

Date: _____________________

Document Number: 345665.3 7-16-19/11:01AM

Wire Transfer Agreement Rev7/19 pia Page 10

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