Federal E-Sign Act Disclosure and Consent


To electronically enroll for and use Byline Bank's online services through Byline Bank's Online and/or Mobile Banking Service, including without limitation its Bill Payment, Mobile Deposit, Funds Transfer, Popmoney™, Purchase Rewards, FinanceWorks™ and all other products and services provided through the Online Service or Mobile Banking, you must consent to: (1) using an electronic signature that evidences your identity; (2) Byline Bank obtaining personally identifiable information from you and sharing it with its third-party service providers to authenticate your identity and provide verification and validation services in connection with your enrollment for and use of the Online and/or Mobile Banking Service and as allowed by law; (3) electronically confirming that you meet our minimum system requirements; and (4) receiving all required disclosures, notices and statements, including any changes in terms, in electronic form (either posted to our website or in an e-mail to you, at Byline Bank's option).

The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act.

Acceptance of Electronic Delivery

The Online Service is an electronic, Internet–based service. By clicking on the AGREE button and using the Online Service, you are consenting to receive the following categories of information (the "Communications") relating to the Online Service electronically. By accepting this Agreement, you further represent that you can receive and access the Communications electronically and that you have satisfied the hardware and software requirements contained in this Agreement. You understand that your ability to receive the Communications is dependent upon your maintaining a valid e-mail address with us.

All Communications in either electronic or paper format will be considered to be "in writing". You should print a paper copy of all electronic Communications and retain copies for your records.

Your consent to receive electronic Communications includes:

Your acceptance of this Agreement and consent to receive Communications electronically does not automatically enroll you in eStatements.

Hardware and Software Requirements

In order to access and use the Online Service and to receive Communications (as defined herein) electronically, you must have:

To retain a copy of the Communications, your computer or Mobile Device must have the ability to download and store PDF files. We also recommend that you have a printer capable of printing, for your records, paper copies of the Communications. In order to access and use Mobile Banking you must have a supported Mobile Device enabled to receive and transmit data, and which includes texting functionality, if required.

If hardware or software requirements change, the Bank will notify you of these changes and the new requirements.

It is your responsibility to ensure that all computers and devices, including Mobile Devices, used by you to access the Online Service comply with the Online Service's hardware and software requirements.

Withdrawal of Consent

You may withdraw your consent to receive the Communications electronically at any time. To withdraw your consent prior to completing your enrollment in the Online Service, simply exit this session prior to accepting this Agreement. To withdraw your consent after you have already enrolled contact us at (866) 518-9124 or write us at 180 N. LaSalle St. 4th Floor, Chicago, Illinois 60601. At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, your access and use of the Online Services will be terminated. Upon withdrawal of your consent, you will be required to provide us with a mailing address where we can send any future Communications, and your withdrawal of consent will be effective only after we have a reasonable period of time to process the withdrawal.

Updating Your Records

It is your responsibility to provide us with an accurate e-mail address, contact information, and other information related to your Account(s) and to maintain and update promptly any change in this information. You can update your contact information by using the Profile page in the Online Service. We may continue to deliver Communications to your address of record until five (5) Business Days after you have updated your records through the Online Service.

Requesting Paper Copies

You agree that any Communication delivered electronically will not be mailed to you unless you specifically request it. To request a paper copy of any Communication contact us at (866) 518-9124 or write us at 180 N. LaSalle St. 4th Floor, Chicago, Illinois 60601. Paper copies of Communications will be mailed at no charge. Copies of previously issued Account statements, copies of checks, or other account specific items may carry a fee. Please refer to the "Product & Service Fee Disclosure" for details of applicable fees.

Termination or Modification

We reserve the right, in our sole discretion, to discontinue the electronic delivery of your Communications or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Your Rights and Responsibilities

You are responsible for keeping your username and password confidential. We are entitled to act on a transaction and other instructions received using your username and password, and you agree that the use of your username and password will authenticate your identity and verify the instructions you have provided to us for the transaction(s), including transactions made using your Mobile Device. If you authorize other persons to use your username and password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing or by e-mail that you have revoked the authorization and changed your username and password. You are responsible for any transactions made by any person you authorize until you notify us that such person is no longer authorized to make transfers or give instructions regarding your Account(s) and change your username and password. We will act promptly to process your username and password change but will have no responsibility for any transfers made under your former username and password during the transition.

You should notify us immediately if (i) you believe your username or password have been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, (ii) the phone number for your Mobile Device is changed or service is terminated, (iii) you believe that your Mobile Device has been lost or destroyed or your Mobile Device or any mobile Accounts have been accessed or used without your authorization, (iv) you suspect any fraudulent activity on your Accounts, or (v) you believe a transfer has been made using the information from your check without your permission. To notify us call (866) 518-9124 during normal business hours, e-mail us through the Online Service or write us at 180 N. LaSalle St. 4th Floor, Chicago, Illinois 60601. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) Business Days after you learn of the loss or theft of your username or password, you can lose no more than $50 if someone used your username or password without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your username or password, and we can prove that we could have stopped someone from using your username or password without your permission if you had told us, you could lose as much as $500.

Resolving Errors or Problems

In case of errors or questions about your electronic transfers, call us at (866) 518-9124, e-mail us through the Online Service or write us at 180 N. LaSalle St. 4th Floor, Chicago, Illinois 60601. Notify us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.

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 (twenty (20) Business Days if the transfer involved a new Account) 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 (ninety (90) days if the transfer involved a new Account) to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) Business Days (twenty (20) Business Days if the transfer involved a new Account) 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. Your Account is considered new for the first thirty (30) days after the first deposit is made, unless each of you already has an established account with us before this Account is opened.

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 and will debit your Account any amounts that were advanced. You may ask for copies of the documents that we used in our investigation.

Also, if your account statement, including your electronic account statement, shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you or provided electronically, you may not get back any money you lost after the sixty (60) 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 (e.g. a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

By clicking on the AGREE button, you agree that (i) your system meets the minimum requirements set forth above and that you have the ability to access our website, read and print any Communications that we electronically provide or make available to you at this website or via e-mail; (ii) you are affirmatively agreeing to this Electronic Consent; (iii) you consent to receiving Communications from us in electronic form; (iv) your consent shall also constitute consent by any authorized signers on the accounts you identify in the Byline Bank Online Service enrollment process; and (v) your consent reasonably demonstrates that you can access information in an electronic form, you have the ability to use an electronic signature, and any electronic signature that you provide on legally required documents is valid and binding.