Inquiry and Transfer Service:
You may view account information, transfer funds between accounts, view account statements, and download transactions to your personal financial software.

Bill Pay Service (optional):
If you elect to have the Bill Pay option, you may use online banking to make bill payments. Funds for bill payment will be debited from your specified account on the day the payment is to be sent to the receiver. All online banking payments require sufficient time for the receiver to process the payment and credit your account. We recommend that you contact your individual payee(s) for restrictions that may apply. We are not liable for any service fees or late charges levied against you by payees you select to receive payments through the Bill Pay service.

• You may not make payments to federal, state, or local tax agencies or payments of alimony, child support, or other governmental fees or court-directed payments using Bill Pay.
  
• You agree to promptly notify us at the address(s) set forth in the section entitled "In Case of Errors or Questions about Your Electronic Transfers" if you receive notice from a payee that a payment you made using Bill Pay has not been completed or remains unpaid. We will not be liable to you for any damages (including, but not limited to, actual, direct, indirect, special, or consequential damages) to the extent that your failure or delay in notifying us that a bill payment was not made prevents us from avoiding or alleviating such damages.
  
• You are responsible for any monetary loss or penalty (e.g., non-sufficient funds fee) that you may incur due to the lack of sufficient funds or other conditions that may prevent the withdrawal of funds from your account to pay a bill payment that you have requested.
  
• You agree to notify us in writing if you decide to discontinue the Bill Pay service.
  Limitations on Frequency and Amount:
  
• There are no limits on the number of inquiries, transfers, or bill payments you may make per day, other than any limitations set forth as a condition of the type of account.
  
• There are no limits on the dollar amount of transfers or bill payments per day, providing funds are available. However, transfers to make loan payments must be greater than or equal to the amount of your regular payment. Online banking transfers to make loan payments will not replace or affect any automatic loan payments you have established.
  Fees and Charges:
  

Fees and Charges:

1. Inquiry and Transfer Service: You may view account information and transfer funds between accounts at no charge.
   
2. Bill Pay Optional Service: There is no monthly fee for bill pay service option and no limit on the number of transactions you may process per month.

In Case of Errors or Questions about Your Electronic Transfers:
Telephone us at (800) 847-1008 or (217) 735-5551, or
Write us at: State Bank of Lincoln, PO Box 529, Lincoln, IL 62656

Procedures:
Contact us as soon as you can, however, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number (if any). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell 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 ten (10) business days. We will determine whether an error occurred 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 question. 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 question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.