Internet Banking Service Agreement
This agreement describes your rights and obligations as a user of the Internet Banking Service. It also describes the rights and obligations of Sterling Federal Bank. Please read this agreement carefully and print a copy for your reference. By requesting and using this service, you agree to comply with the terms and conditions of this agreement.
Definitions
The following definitions apply to this agreement:
§ Internet Banking is the Internet-based banking service providing access to your Sterling Federal account(s).
§ Accounts means any Sterling Federal account from which you will be conducting transactions using our service.
§ Password is the code you select during the initial sign-on that establishes your connection to the service.
§ We, Us or Sterling Federal refer to Sterling Federal Bank FSB which offers the service and which offers the accounts accessed by the service.
§ You and Your refers to any person(s) or business that signed the agreement requesting the Internet Banking Service.
Access to Services
Sterling Federal will provide on-line instructions on how to use the Internet Banking Service. You will gain access to your Accounts through the use of your Internet-enabled device, your Internet service provider, your UserID and your password.
Use of Your Security Password
You agree not to allow anyone to gain access to the service or to let anyone know your password used with the service. Should there be a breach in the use of your security password, you agree to assume responsibility for all transactions up to the limits allowed by applicable law. Sterling Federal cannot guarantee and is not liable for breaches in Internet security.
If Your Password has been Lost or Stolen
If your password has been lost or stolen, promptly call Customer Service during normal banking hours at 815-626-0614 or 800-353-0888 and select 0 for the operator. Telephoning Sterling Federal is the best way of minimizing your losses.
Banking Transactions with Internet Banking
In addition to viewing account information, you may use Internet Banking to conduct the following transactions:
1. Transfer Funds among your checking accounts, statement savings accounts, money market accounts and loans. NOTE: Refer to your Electronic Fund Transfers (EFT) Disclosure for preauthorized transfer limits.
2. New services may be introduced for Internet Banking from time to time. Sterling Federal will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules which will be made available to you concerning these services.
Electronic Mail
If you send Sterling Federal an electronic mail message, Sterling Federal will be deemed to have received it on the following business day.
You agree to allow Sterling Federal to have a reasonable time to act on your e-mail. You should not rely on electronic mail if you need to communicate with Sterling Federal immediately - for example, if you need to report an unauthorized transaction from one of your accounts or if you need to stop a check payment that has already been sent.
You agree that Sterling Federal may respond to you by electronic mail with regard to any matter related to the service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Sterling Federal shall be considered received within three (3) business days of the date sent by Sterling Federal, regardless of whether or not you access the service within that time frame.
Hours of Operation
The on-line service is intended to be available 24 hours a day, seven (7) days a week, except during special maintenance periods. However, if the service is down Sterling Federal has no liability. For purposes of transactions, Sterling Federal's business days are Monday through Saturday, excluding holidays. All Internet Banking transaction requests received on Sundays, holidays or days of inclement weather on which Sterling Federal chooses to remain closed, will be processed on the next Sterling Federal business day.
Inactivity
If you do not access your Internet Banking during any consecutive 6 month period, your Internet Banking will be considered inactive and may be cancelled.
Cancellation
To cancel the Internet Banking Service, you must notify Sterling Federal and provide your name; address and that you are discontinuing Internet Banking Bill Payment; you must notify us at least ten (10) business days prior to the date on which you desire the service to be terminated.
You may notify Sterling Federal by one of the following methods:
1. By calling 815-626-0614 or 800-353-0888 and select 0 for the operator, during normal banking hours and requesting Customer Service.
2. By writing a letter and sending it to the following address:
Sterling Federal Bank
Internet Banking Department
PO Box 617
Sterling , IL 61081
Consent to Electronic Disclosures and Notices
This E-sign consent is provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act. This consent applies to all disclosures and notices that we are required by law to provide to you in writing. Such disclosures and notices include, but are not limited to:
§ All legal and regulatory disclosures and notices associated with the Internet Banking Service,
§ Notices or disclosures regarding a change in the terms of your Account, and
§ Privacy policies and notices.
You agree that we may provide you with any such disclosures and notices solely in electronic format, unless and until you withdraw your consent as described below. All electronic disclosures and notices will be provided either via e-mail or access to a web site. We will not send you a paper copy of any disclosure or notice, unless you request it or we deem it appropriate to do so.
You can obtain a paper copy of an electronic disclosure or notice by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic disclosure or notice to you. To request a paper copy or withdraw your consent to receive disclosures and notices in electronic form, contact us by:
1. Calling 815-626-0614 or 800-353-0888 and select 0 for the operator, during normal banking hours and requesting Customer Service.
2. Writing a letter to Sterling Federal Bank, Internet Banking Department, P.O. Box 617 , Sterling , IL 61081
We are not obligated to provide a paper copy of any information that you have authorized us to provide electronically and as authorized by law, we may charge you a reasonable service charge for the delivery of such paper copies. We reserve the right, in our sole discretion, to discontinue the provision of electronic disclosures and notices and to terminate or change the terms and conditions on which we provide the electronic disclosures and notices. We will provide you with notice of any such termination or change as required by law.
We will not impose any fee to process the withdrawal of your consent to receive electronic disclosures and notices in electronic form, however, this action will terminate your use of the Internet Banking Service. Any withdrawal of your consent to receive electronic disclosures or notices will be effective only after we have a reasonable period of time to process your withdrawal. At our discretion, we may treat an invalid e-mail address as a withdrawal of your consent to receive electronic disclosures and notices.
It is your responsibility to provide us with current and complete contact information and e-mail address. If any of this information changes, it is your responsibility to promptly contact us as provided above and update such information.
In order to access and retain the electronic disclosures and notices, you must have the following hardware and software:
§ A personal computer with access to the internet and at least 10 megabytes of free hard disk space
§ One of the following operating systems:
Windows XP SP2 or higher
Windows Vista
Windows 7
Mac OS X 10.5
Mac OS X 10.6
§ One of the following internet browsers:
Internet 7 or higher (Windows XP SP 2 or higher and Windows Vista)
Internet 8 or higher (Windows 7)
Apple, Inc. Safari 5.x or higher (all operating systems)
Mozilla Firefox 4.x or higher (all operating systems)
Google Chrome 10.x or higher (all operating systems)
§ Adobe Reader 9.0 or higher (all operating systems)
You agree that your consent to receive electronic disclosures and notices involves a transaction affecting interstate commerce and is subject to the Electronic Signatures in Global and National Commerce Act. You further agree that the Act shall apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
Internet Banking Service Agreement
This agreement describes your rights and obligations as a user of the Internet Banking Service. It also describes the rights and obligations of Sterling Federal Bank. Please read this agreement carefully and print a copy for your reference. By requesting and using this service, you agree to comply with the terms and conditions of this agreement.
Definitions
The following definitions apply to this agreement:
§ Internet Banking is the Internet-based banking service providing access to your Sterling Federal account(s).
§ Accounts means any Sterling Federal account from which you will be conducting transactions using our service.
§ Password is the code you select during the initial sign-on that establishes your connection to the service.
§ We, Us or Sterling Federal refer to Sterling Federal Bank FSB which offers the service and which offers the accounts accessed by the service.
§ You and Your refers to any person(s) or business that signed the agreement requesting the Internet Banking Service.
Access to Services
Sterling Federal will provide on-line instructions on how to use the Internet Banking Service. You will gain access to your Accounts through the use of your Internet-enabled device, your Internet service provider, your UserID and your password.
Use of Your Security Password
You agree not to allow anyone to gain access to the service or to let anyone know your password used with the service. Should there be a breach in the use of your security password, you agree to assume responsibility for all transactions up to the limits allowed by applicable law. Sterling Federal cannot guarantee and is not liable for breaches in Internet security.
If Your Password has been Lost or Stolen
If your password has been lost or stolen, promptly call Customer Service during normal banking hours at 815-626-0614 or 800-353-0888 and select 0 for the operator. Telephoning Sterling Federal is the best way of minimizing your losses.
Banking Transactions with Internet Banking
In addition to viewing account information, you may use Internet Banking to conduct the following transactions:
1. Transfer Funds among your checking accounts, statement savings accounts, money market accounts and loans. NOTE: Refer to your Electronic Fund Transfers (EFT) Disclosure for preauthorized transfer limits.
2. New services may be introduced for Internet Banking from time to time. Sterling Federal will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules which will be made available to you concerning these services.
Electronic Mail
If you send Sterling Federal an electronic mail message, Sterling Federal will be deemed to have received it on the following business day.
You agree to allow Sterling Federal to have a reasonable time to act on your e-mail. You should not rely on electronic mail if you need to communicate with Sterling Federal immediately - for example, if you need to report an unauthorized transaction from one of your accounts or if you need to stop a check payment that has already been sent.
You agree that Sterling Federal may respond to you by electronic mail with regard to any matter related to the service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Sterling Federal shall be considered received within three (3) business days of the date sent by Sterling Federal, regardless of whether or not you access the service within that time frame.
Hours of Operation
The on-line service is intended to be available 24 hours a day, seven (7) days a week, except during special maintenance periods. However, if the service is down Sterling Federal has no liability. For purposes of transactions, Sterling Federal's business days are Monday through Saturday, excluding holidays. All Internet Banking transaction requests received on Sundays, holidays or days of inclement weather on which Sterling Federal chooses to remain closed, will be processed on the next Sterling Federal business day.
Inactivity
If you do not access your Internet Banking during any consecutive 6 month period, your Internet Banking will be considered inactive and may be cancelled.
Cancellation
To cancel the Internet Banking Service, you must notify Sterling Federal and provide your name; address and that you are discontinuing Internet Banking Bill Payment; you must notify us at least ten (10) business days prior to the date on which you desire the service to be terminated.
You may notify Sterling Federal by one of the following methods:
1. By calling 815-626-0614 or 800-353-0888 and select 0 for the operator, during normal banking hours and requesting Customer Service.
2. By writing a letter and sending it to the following address:
Sterling Federal Bank
Internet Banking Department
Consent to Electronic Disclosures and Notices
This E-sign consent is provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act. This consent applies to all disclosures and notices that we are required by law to provide to you in writing. Such disclosures and notices include, but are not limited to:
§ All legal and regulatory disclosures and notices associated with the Internet Banking Service,
§ Notices or disclosures regarding a change in the terms of your Account, and
§ Privacy policies and notices.
You agree that we may provide you with any such disclosures and notices solely in electronic format, unless and until you withdraw your consent as described below. All electronic disclosures and notices will be provided either via e-mail or access to a web site. We will not send you a paper copy of any disclosure or notice, unless you request it or we deem it appropriate to do so.
You can obtain a paper copy of an electronic disclosure or notice by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic disclosure or notice to you. To request a paper copy or withdraw your consent to receive disclosures and notices in electronic form, contact us by:
1. Calling 815-626-0614 or 800-353-0888 and select 0 for the operator, during normal banking hours and requesting Customer Service.
2. Writing a letter to Sterling Federal Bank, Internet Banking Department,
We are not obligated to provide a paper copy of any information that you have authorized us to provide electronically and as authorized by law, we may charge you a reasonable service charge for the delivery of such paper copies. We reserve the right, in our sole discretion, to discontinue the provision of electronic disclosures and notices and to terminate or change the terms and conditions on which we provide the electronic disclosures and notices. We will provide you with notice of any such termination or change as required by law.
We will not impose any fee to process the withdrawal of your consent to receive electronic disclosures and notices in electronic form, however, this action will terminate your use of the Internet Banking Service. Any withdrawal of your consent to receive electronic disclosures or notices will be effective only after we have a reasonable period of time to process your withdrawal. At our discretion, we may treat an invalid e-mail address as a withdrawal of your consent to receive electronic disclosures and notices.
It is your responsibility to provide us with current and complete contact information and e-mail address. If any of this information changes, it is your responsibility to promptly contact us as provided above and update such information.
In order to access and retain the electronic disclosures and notices, you must have the following hardware and software:
§ A personal computer with access to the internet and at least 10 megabytes of free hard disk space
§ One of the following operating systems:
Windows XP SP2 or higher
Windows
Windows 7
Mac OS X 10.5
Mac OS X 10.6
§ One of the following internet browsers:
Internet 7 or higher (Windows XP SP 2 or higher and Windows Vista)
Internet 8 or higher (Windows 7)
Apple, Inc. Safari 5.x or higher (all operating systems)
Mozilla Firefox 4.x or higher (all operating systems)
Google Chrome 10.x or higher (all operating systems)
§ Adobe Reader 9.0 or higher (all operating systems)
You agree that your consent to receive electronic disclosures and notices involves a transaction affecting interstate commerce and is subject to the Electronic Signatures in Global and National Commerce Act. You further agree that the Act shall apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
