This disclosure states the additional rights and responsibilities that you may have pertaining to electronic fund transfers and applies only to deposit accounts established for personal, household or family use. The term "Electronic Fund Transfers" includes, transfers of funds initiated through an electronic terminal, telephone, magnetic tape, or computer for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a deposit account. This includes, without limitation, ATM and POS transfers, direct deposits, pre-authorized withdrawals of funds, computer initiated transactions, electronic check conversion transactions and telephone transfers. Online banking, bill payment and bill presentment services are governed by a separate services agreement that is provided to customers enrolling for those services. This disclosure does not change or modify this Agreement and it is not a contract.

Types of Available Transfers

Account Access

1. ATM Usage. You may use your Card, defined later in this Agreement, and personal identification number ("PIN") to withdraw cash from your account, make deposits to your account, transfer funds between your accounts, or obtain account balances at ATM terminals at our locations and at many other ATM terminals.
   
2. POS Usage.
   
   1. You may use your Debit Card, defined later in this Agreement, to pay for purchases anywhere MasterCard® is honored or at places that have agreed to accept your Card for POS purchases.
      
   2. You may use your Card and PIN to pay for purchases at places that have agreed to accept your Card for PIN based transactions.
3. Cash Advance Usage.  You may use your Debit Card to receive cash advances from your applicable account at any financial institution displaying the MasterCard® logo.
4. Pay bills directly from your accounts in the amounts and on the days you request.
   
5. Limitations on Service. 
   
   1. Some ATM and POS transactions may not be available at certain ATM or POS terminals. The amount of all ATM and POS transactions are limited by the amount of available funds in your account.
      
   2. The limits on transactions are stated below. Certain transactions may have account access limitations.  We must authorize Card access to each account.  You can ask us at any time to add or remove accounts.
      
   3. We reserve our right to change the limits on transactions, impose other limits or restrictions, or revoke the use of your Card.
      
   4. At our discretion, we may not authorize certain Card transactions due to outstanding Card transactions.
      
6. For Your Protection.  Your Card and PIN are provided solely for your use.  For your protection you agree to:
   
   1. Not allow another individual to use either your Card or your PIN. 
      
   2. Safely keep your Card and PIN separate in your sole possession.
      
   3. Not write your PIN on your Card.
      
   4. Not disclose, record or otherwise make your Card or PIN available to anyone else.
      
   5. Use your Card and PIN per the terms of this Agreement.
      
   6. Immediately report to us any loss, theft, disappearance or known or suspected unauthorized use of your Card or PIN.
      
   7. Not abuse use of your Card, PIN or the services provided by us.

Electronic Check Conversion
You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to:

• Pay for purchases.
• Pay bills.

Limits on Frequency and Dollar Amounts of Transfers

1. Deposits. Subject to the provisions of terms and conditions contained herein and this Agreement, we will accept deposits or payments to any account that can be accessed by your Card. All deposits are subject to verification and collection.
2. **Withdrawals. Generally, you may use your Card to make any number of on-line withdrawals through an ATM up to one thousand ($1,000) dollars in the aggregate in any given 24-hour period. For security reasons, there are other limits on withdrawals that can be made using the ATM. All withdrawals are subject to the provisions set forth in this document.
3. **Transfers. You may use your Card at an ATM to make any number of transfers between accounts linked by your Card, subject to the amount of available funds in your accounts.
4. *Cash Advances. Your Debit Card may be used to initiate cash advances from your account, provided that such cash advances are limited to the lesser of available funds in the account or two thousand five hundred ($2,500) dollars in any given 24- hour period and are subject to any limit imposed by another financial institution processing the advance.
5. POS Purchases. Generally, you may make any number of purchases each day anywhere the Card is accepted subject to the following:
   1. *Signature based Debit Card purchases are generally limited to the lesser of the available funds in your account or two thousand five hundred ($2,500) dollars in the aggregate, in any given 24-hour period.
   2. **PIN based Card purchases are generally limited to the lesser of the available funds in your account or one thousand ($1,000) dollars in the aggregate, in any given 24-hour period.
6. *Preauthorized Debit Transactions. With your Debit Card you may authorize us to perform a preauthorized debit transaction (to withdraw funds from an account accessed with your Card to make a purchase on a future date) anywhere the Card is accepted. These preauthorized debit transactions cannot be processed through an ATM.
7. Stop Payments. You understand and agree that you will not be allowed to place a stop payment on a transaction made with your Card.
8. Savings and Money Market Accounts. If any of your accounts accessed by your Card include statement savings, or money market accounts, Federal regulation permits you a maximum of six (6) checks, debit card or similar order payable to third parties, preauthorized or automatic transfers or withdrawals per statement cycle. Electronic Funds Transfer (sometimes referred to as ACH) withdrawals, POS transactions, computer terminal transactions and telephone transactions are considered preauthorized transactions. If you repeatedly violate these limitations, Federal regulations requires us to stop paying interest on your account or to close it.

* Limits for Cash Advances, Signature-Based purchases, and Pre-authorized debits are cumulative in nature and cannot exceed two thousand five hundred ($2,500) dollars in the aggregate, in any given 24-hour period.

**Limits for Withdrawals, Transfers, and PIN-based purchases are cumulative in nature and cannot exceed one thousand ($1,000) dollars in the aggregate, in any given 24-hour period.

Charges for Transfers
Please refer to the ATM/Debit Card Agreement for charges for transfers. Please refer to the Fee Schedule for the charges associated with the various accounts.

Documentation of Transfers

ATM and POS Transfers:
You can receive a receipt at the time you make any transfer to or from your account using any ATM or POS terminal. You should keep this receipt to verify your transaction information.

Preauthorized Credits:
If you have arranged to have direct deposits made to your account at least once every sixty (60) calendar days from the same person or company, you can call (847)-653-7978 or write to our Customer Service Center at the address shown below, to find out whether or not the deposit has been made. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Periodic Statements:
A monthly statement will be made available to you by mail or any other method you have authorized, for your checking, interest checking or money market account. Your statement savings account is made available to you on a quarterly basis.

Savings Passbook Account Where The Only Possible Electronic Fund Transfers Are Preauthorized Credits:
If you bring your savings passbook to us, we will record any electronic fund deposits that were made to your account since the last time you brought in your savings passbook.

Your Right to Stop Preauthorized Payments:
If you have told us in advance to make regular payments from your account, you can also stop any of these payments. Call or write to the Customer Service Center in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may require you to put your request in writing and mail it to us so it will be received within fourteen (14) calendar days after you call. You will be charged for each stop payment order you give as specified in the Fee Schedule.

Payments of Varying Amounts:
If these regular payments may vary in amount, the person you are going to pay will tell you, ten (10) calendar days before each payment, when it will be made and how much it will be.

Failure to Make Transfers:
If you order us to stop one of these payments as specified in “Your Rights to Stop Pre-Authorized Payments”, three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for the following:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would go over the credit limit on your overdraft line.
• If the ATM where you are making the transfer does not have enough cash.
• If the ATM or POS terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.
• If the funds are subject to legal process or other encumbrances restricting the transfer.
• There may be other exceptions stated in our agreements with you.

Fees

ATM Fees
When you use your Card at any ATM owned by us, you will not be charged a per-transaction fee. ATMs owned by us are clearly identified by Cole Taylor signage. All other ATMs are not owned by us. Please refer to the Fee Schedule for applicable per-transaction fees. You can consult a Customer Service Representative for further details as to the location of Cole Taylor owned ATMs.

The charges for transactions are subject to change. If any such charges are changed, we shall provide you with notice of the change in terms, as required by law.

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

For other charges related to minimum account balances, overdrafts and other situations, please refer to your Fee Schedule.

Other Fees
Please refer to the Fee Schedule for specific fees.

Your Liability
Tell us AT ONCE if you believe your card/code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable). If you tell us within two (2) business days after you learn of the loss or theft of your Card/PIN code, you can lose no more than $50 if someone used your Card/PIN code without your permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card/PIN and we can prove we could have stopped someone from using your Card/PIN without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by Card/PIN or other means, tell us at once. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you by any other method you have requested, you may not get back any money you lost after the sixty (60) calendar days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may, but are not obligated to, extend the time periods.

Contact in Event of Unauthorized Transfer

If you believe your Card/PIN has been lost or stolen, call: (847) 653-7978, or write to:

Cole Taylor Bank
Customer Service Center
9550 West Higgins Road
Rosemont, Illinois 60018

Business Days
Everyday is a business day except Saturdays, Sundays, and federal holidays.

Account Information Disclosure
We will disclose information to third parties about your account or the transfers you make: 1) where it is necessary for completing transfers; 2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; 3) in order to comply with government agency or court orders; 4) if you give us your written permission; or 5) if not otherwise prohibited by law.

In Case of Errors or Questions about Electronic Transfers from your personal, family or household account.
If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, telephone or write to the Customer Service Center as soon as you can at: (847) 653-7978, or write to:

Cole Taylor Bank
Customer Service Center
9550 West Higgins Road
Rosemont, Illinois 60018

We must hear from you no later than sixty (60) calendar days after we mailed or made available to you by any other method you requested the FIRST statement on which the problem or error appeared. You will be required to provide the following information: 1) your name and account number; 2) a description of the error or the transfer you are unsure about, and an explanation as to why you believe it is an error or why you need more information; and 3) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or questions. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, “POS”, or foreign-initiated transactions, we may take up to ninety (90) calendar days to investigate your complaint or questions. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.