DEBIT CARD AGREEMENT - Murphy WallBusiness Visa Debit Card Application Page 2 Murphy-Wall State Bank and Trust Company – 105 E Water Street – PO Box 128 Pinckneyville, IL 62274

Business Visa Debit Card Application Page 1

Murphy-Wall State Bank and Trust Company – 105 E Water Street – PO Box 128 Pinckneyville, IL 62274

TEL (877) 358-6554 www.murphywall.com FAX 618-357-3757

BUSINESS VISA® DEBIT CARD APPLICATION

COMPANY INFORMATION: (PLEASE PRINT)

Date Company Name

Street Address City State Zip

Mailing Address City State Zip

Contact Person/Title Phone Tax ID Number

Alternate Acceptable Contact Method(s) email FAX

Registered as: Sole Proprietorship Corporation Partnership LLC Other

Business Checking Account Number Accounts not eligible: Money Market Deposit Accounts, Savings Accounts, Consumer Accounts, Any account with two or more signatures required or other such restrictions.

If this application is accepted and the requested Business Visa® Debit Card issued, the Company shall have entered into a contract with

Murphy-Wall State Bank and Trust Company, subject to the Business Visa ® Debit Card Agreement and the terms and conditions transmitted

with said card, and any future amendments thereto. Upon consideration of this application, bank may request a consumer credit report

or reports for employees and/or authorized signer(s) from one or more consumer reporting agencies. Information may be exchanged

with others as permitted by law or regulation. Bank reserves the right to retain this application whether or not it is approved. The authorized

signer (applicant) in signing below certifies that all sections of this application have been read by the applicant and that the information

contained hereon is true and correct and the applicant further certifies that he/she is 18 years of age or older.

AUTHORIZED OFFICER SIGNATURE/GUARANTOR:

**Corporations, Partnerships, and Limited Liability Companies must complete a separate resolution. Clubs, Organizations and Associations

must have a current resolution on file or provide minutes designating authority to issue Debit cards.

I am an Authorized Officer of the Business with the authority to bind the Business to the terms of this Agreement. ** The execution, delivery,

and performance of this Agreement have been duly authorized. I understand that the Business and I are individually and jointly liable for

paying charges on the Account according to the Terms and Conditions.

Authorized Signer(s): Date:

CARD INFORMATION: (PLEASE PRINT)

Business Name as it should appear on the card(s) (maximum 26 spaces)

Individuals for whom company is requesting card(s):

Indicate daily on-line limit requested for each cardholder Please review the Agreement for Off-line limits and other detailed information regarding our right to reduce or restrict limits.

Primary Cardholder Name Option Daily ATM

LimitDaily Purchase Limit (PIN)

Daily Purchase Limit (Signature based)

Combined Daily Maximum

Social Security Number Date of Birth 1 (Default) $500 $1,000 $1,500 $1,500

Home Address 2 $0 $1,000 $1,500 $1,500

3 (Custom)

Signature Date If an option is not selected, the default values will be used.

Cardholders: By signing above, you are requesting the Business Visa ® Debit Card and associated services. You agree to the terms and conditions of the

Business Visa® Debit Card Agreement, including fees and charges. You further agree that the information contained in this Application is accurate and

authorize us to make all inquiries we deem necessary to verify the accuracy of the information provided to us on this Application. You authorize us to verify

your creditworthiness and employment history, as an individual, through any necessary means, including having a consumer credit reporting agency run a

consumer credit report on you.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies

each person who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth, and other information that will allow

us to identify you. We may also ask to see your driver’s license or other identifying documents.

http://www.murphywall.com/

Business Visa Debit Card Application Page 2



ADDITIONAL CARDHOLDER(S)

Cardholder Name Option Daily ATM

Limit Daily Purchase Limit (PIN)




Home Address 2 $0 $1,000 $1,500 $1,500

3 (Custom)


Cardholders: By signing above, you are requesting the Business Visa® Debit Card and associated services. You agree to the terms and conditions of the

Business Visa® Debit Card Agreement, including fees and charges. You further agree that the information contained in this Application is accurate and









Home Address 2 $0 $1,000 $1,500 $1,500

3 (Custom)



Business Visa ® Debit Card Agreement, including fees and charges. You further agree that the information contained in this Application is accurate and









Home Address 2 $0 $1,000 $1,500 $1,500

3 (Custom)












Home Address 2 $0 $1,000 $1,500 $1,500

3 (Custom)







IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies

each person who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth, and other information that will allow

us to identify you. We may also ask to see your driver’s license or other identifying documents.


Business Visa Debit Card Agreement Page 1



BUSINESS VISA® DEBIT CARD AGREEMENT

This Agreement governs the Business Visa ® Debit Card Program ("the program") offered by Murphy-Wall State Bank and

Trust Company. Under this program, Murphy-Wall State Bank and Trust Company Visa ® Business Debit ("Card" or

"Cards") and associated Personal Identification Numbers ("PINs") are available for Company conforming use such as

performing transactions of business related expenses and services or the making of business related cash withdrawals.

The words "we", "our", and "us" will mean Murphy-Wall State Bank and Trust Company. The words "you" and "your" mean

the person(s) and entities who are liable under this Agreement either as the "Company" (the sole proprietor, partnership,

limited liability company, corporation or other entity as described in the Application) or as cosigners or guarantors of

Company's obligations under this Agreement. The word "use" shall include any presentation of the Card or disclosure of

the associated card number or PIN in any manner, which permits any person to purchase goods and services or to

obtain cash.

This Business Visa ® Debit Card Agreement (“Agreement”) is made and entered into by and between Murphy-Wall State

Bank and Trust Company(“Bank”) and the company whose name appears on the Business Visa ® Debit Card

Application (“Application”) hereof (“Company”) as authorized by the Authorized Officer Signature/Guarantors of the

Application.

ACCOUNT OBLIGATIONS:

You will be responsible for the payment of all transactions arising from the use of any Card issued at your request. By

using this program, you consent to be bound by the terms of this Agreement, all applicable state and federal laws and

regulations, Visa rules and regulations, and normal banking customs and practices. This Agreement is subject to the

provisions of your account agreement(s) governing your Accounts and Account opening resolution with us (such

accounts and resolutions are incorporated by reference here-in and made a part of this Agreement). If there is a

conflict between something which is said by one of our employees and any of these documents, the terms of this

Agreement shall govern. Use of your Murphy-Wall State Bank and Trust Company Business Visa ® Debit Card verifies your

acceptance of the terms and conditions contained in this Agreement.

ISSUANCE OF CARDS.

You agree and warrant that you authorize the cardholder(s) indicated on the Business Visa ® Debit Card Application

(“Application”). Upon approval, Murphy-Wall State Bank and Trust Company will issue Cards in the name of the

Company and in the names of the Employees as designated in the Application. An Application fee will be charged for

each card requested (See Fees and Charges). All Cards must be signed immediately upon receipt by the Employees,

but all Cards remain the property of Bank, are not transferable (other than to your authorized employees), and must be

surrendered to Bank upon demand. Company acknowledges that Murphy-Wall State Bank and Trust Company is

providing such service to Company as an accommodation party only and, except as otherwise provided by law, we

are not responsible in any way for the manner in which the Cards are utilized.

We may refuse to issue a card to you or to reissue a card to you for any reason we deem appropriate in order to

adequately protect our interests or security concerns.

BUSINESS USE OF CARDS:

You agree and warrant to us that all Cards issued at Company's request shall be used solely for business and

commercial purposes in connection with your business operations. No consumer use of any Card shall be permitted

under any circumstances. You agree to issue appropriate instructions and guidelines in this regard to all Cardholders

who are authorized by you to use any Card. Company shall solely be responsible for insuring that all Cards are used for

business and commercial purposes and Murphy-Wall State Bank and Trust Company will not be liable for any misuse of

such card by a cardholder. In as much as we have no duty or obligation to audit transactions in an effort to ascertain





whether particular transactions are, or are not, for business purposes, you assume sole risk that the card might be

authorized and used for transactions other than business purposes and that the account will be debited for all such

transactions. A violation of this restriction on the use of any Card shall be immediate grounds for termination of this

Agreement.

Illegal Transactions. You acknowledge and agree that we have no obligation to monitor, review, or to evaluate the

legality of any Card Transaction. We reserve the right to decline any transaction that we, in our sole discretion, believe

to be an illegal transaction, an Internet or on-line gambling transaction or a high-risk transaction in our sole discretion.

International Transactions. “International Transactions” include any transaction made using the card in a foreign

currency and any transaction made using the card outside of the United States. You may incur an international

transaction fee when the transaction requires a currency conversion.

We may deny authorization of any transaction identified as Internet Gambling. You may not use your account to

conduct transactions in any country or territory, or with any individual or entity that is subject to economic sanctions

administered and enforced by the U.S. Department of the Treasury’s Office of Foreign Assets Control. Use of your card in

those countries will be blocked or rejected.

LIABILITY & PROMISE TO PAY:

You acknowledge and understand that any card issued under this program will not be treated as a consumer card

under the provisions of state and federal law. Company agrees to be unconditionally and without limitation liable for all

debits effectuated by use of the Cards, whether authorized or unauthorized, whether utilized by Employees or some

other person, and whether arising from Cards lost or stolen except as covered under Visa Zero Liability Policy. All

Employees who are granted use of the Cards shall be deemed third party beneficiaries of the accommodation

extended hereunder and of the terms and conditions of this Agreement. Accordingly, such Employees shall be jointly

and severally liable with Company for any debits effectuated under the Card issued to the respective Employee,

whether authorized or unauthorized, and whether arising from lost or stolen Cards. You accept and agree to undertake

the additional risk associated with the use of business purpose cards and agree to assume the greater measure of

liability described in this agreement.

Upon receipt of a request for authorization of a transaction made with your card, you (or your agent on your behalf)

authorize us to deduct the amount immediately from the available balance in your account.

VISA’S ZERO LIABILITY POLICY LIMITATIONS:

The Visa Zero Liability policy does not apply to ATM transactions, or PIN transactions not processed over the Visa network.

Transactions, such as ATM transactions, or PIN transactions not processed over the Visa network that are conducted by

the owner, co-owner, Cardholder, persons authorized by the Cardholder, or any other person with an interest in or

authority to transact business on the account are excluded from the Visa Zero Liability policy.

VISA’S PROVISIONAL CREDIT:

With regards to transactions processed over the Visa network, the Visa Zero Liability policy requires us to extend

provisional credit for losses from unauthorized Business Visa ® Debit Card use within five (5) business days of your

notification of the loss to us.

We may require written confirmation of the unauthorized Visa transaction before providing provisional credit.

We may, if we have determined that the circumstances or your account history warrant, delay provisional credit to the

extent allowed under applicable laws or regulations.





LIMITATION OF LIABILITY:

We will be liable only for our own gross negligence or willful misconduct and will not be responsible for any loss or

damage arising from or in connection with

(1) any inaccuracy, act or failure to act on the part of any person not within our reasonable control or

(2) any error, failure or delay in execution of any Transfer resulting from circumstances beyond our reasonable

control, including, but not limited to any inoperability of communications facilities or other technological

failure.

Provided we have complied with our obligations under this Agreement, you agree to indemnify, defend, and hold us

harmless against any claim of a third party arising from or in connection with this Agreement or the service we provide

hereunder. In no event will we be liable for any consequential, incidental, special or indirect losses, damages, including

dishonor of checks or other items, or expenses (including counsel fees), which you may incur or suffer by reason of this

Agreement or the services we proved hereunder, whether or not the possibility or likelihood of such loss, damage or

expense is known to us.

CARDHOLDERS:

Only those persons designated by you as Cardholders shall be authorized to use a Card. We will issue a Card which

bears Company’s name as well as the name of the Cardholder. You may cancel the authorized or permitted use of a

Card by notifying us in writing and returning the Card to us. If you are unable to return the Card to us, you may be

required to sign an Indemnity Agreement.

Where any person has possession of your card, and uses the same, such possession and use shall be considered by us to

constitute an unlimited authorization by you for such person to use your card, in an unlimited amount and manner and

will be effective until you have notified us in writing that you have revoked the authorization, and have taken all other

necessary steps to revoke it and we have had a reasonable opportunity to act on such notification.

If a Cardholder’s employment with you is terminated, you will immediately notify us so that we can cancel the Card.

Until we receive such notification, the Card shall remain subject to this Agreement and you shall remain liable for all

transactions conducted by use of the Card unless otherwise specifically set forth herein.

CARD FUNCTIONS:

A Card may be used to purchase goods and services for business purposes at any location where Visa ® Debit Cards

are honored. A Card may also be used to obtain cash at Visa Debit locations and designated ATMs. A Card may not

be used for non-business purposes. A Card may be used to obtain cash only if the funds are to be used to pay for

business-related expenses or services. Prior to its use, each Card must be signed by the Cardholder who has been

authorized by Company to use the Card. We are not responsible for the refusal of any merchant or ATM or mechanical

device to accept or honor a Card.

ATM ACCESS:

Unless otherwise instructed by you, we will issue a PIN for use with each Card. This will enable the Cardholder to obtain

cash at participating ATMs. The number and amount of transactions, which can be made in one day through ATMs, will

be restricted in accordance with our current security procedures. You acknowledge that the PIN, which is individually

assigned to each card issued as instructed on the application form, serves as your signature, identifies the bearer to the

ATM network or merchant network, and authenticates and validates the directions given. The PIN must be kept in

confidence by you and by the Cardholder. You agree to take all necessary steps and institute all appropriate

precautions to protect and maintain the secrecy and security of each PIN. You further agree to instruct each

Cardholder concerning the proper business use of each Card and the appropriate procedures, which must be followed





to maintain confidentiality and security of each Card and its associated PIN. Company and Employees acknowledge

that use of a PIN provides them a commercially reasonable degree of protection in light of their particular needs and

circumstances, and represent that each PIN shall be afforded the highest level of security by Company and Employees

and shall be known only to those persons who are on a “need to know” basis. If you or the Cardholder authorizes

someone to use a Card and associated PIN, you will be liable for all transactions and cash withdrawals and any related

fee, which may result. All ATM transactions performed with your Card are subject to a cutoff time for processing ATM

transactions and any ATM transaction after the cutoff time, which is established from time to time by the owner or

operator for the ATM, will be posted to your Card account on the following business day. Murphy-Wall State Bank and

Trust Company assumes no responsibility to discover or audit any possible breaches of security or unauthorized disclosure

of PINs or use of cards by your employees, agents, representatives, or any other person.

ATM Safety. You agree to use discretion when using ATMs. We want our ATMs to be safe and convenient to you.

Therefore, please tell us if you know of any problems with any of our ATMs, such as a light is not working or if there is

damage to the facility. We do not guarantee your safety while using an ATM.

Be aware of your surroundings, particularly at night.

Consider having someone accompany you when the automated teller machine is used after dark.

It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete

your transaction.

Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in

the safety of your locked car or home.

At a drive-up facility, make sure that all the car doors are locked and all but the driver’s window are closed.

Keep the engine running and remain alert.

Always save or securely dispose of your ATM receipts. Do not leave them at the ATM as they may contain

important account information.

Do not leave your Card at the ATM. If your Card is lost or stolen, promptly call our toll-free number 877-358-6554.

Do not lend your Card to anyone. Protect the secrecy of your PIN.

Consider using another automated teller machine or coming back later if you notice anything suspicious. If you

are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your

ATM access device and leave.

Go to the nearest public area where people are located if you are followed after making a transaction.

Report all crimes to the operator of the ATM or to law enforcement officials immediately.

LIMITATIONS ON FREQUENCY AND AMOUNTS:

Unless otherwise agreed upon by both the Company and Murphy-Wall State Bank and Trust Company (refer to Card

Application Limitations), the following Daily* Limitations apply:

Combined on-line and off-line ATM cash withdrawals are limited to ninety-nine (99) transactions

Combined on-line and off-line Point of Sale (POS) purchases are limited to ninety-nine (99) transactions. POS

purchases are limited to checking accounts only.

The total on-line daily maximum amount is $1,500.00 and can be in any combination of the following:

o ATM cash withdrawals are limited to a maximum total amount of $500.00 (if there are sufficient

funds in your account)

o PIN Point of Sale is limited to a maximum total amount of $1,000.00.

o Signature-based Point of Sale is limited to a maximum total amount of $1,500.00

The total off-line daily maximum amount is $500.00 and can be in any combination of the following:

o ATM cash withdrawals are limited to a maximum total amount of $100.00 (if there are sufficient

funds in your account)

o PIN Point of Sale is limited to a maximum total amount of $100.00.

o Signature-based Point of Sale is limited to a maximum total amount of $500.00





No electronic funds transfers may be made, and no transactions that you attempt to initiate will be completed, if your

request exceeds the withdrawal or point-of-sale purchase limits imposed on your card. (See also LOST OR STOLEN

CARDS/UNAUTHORIZED USE, RETAINED CARDS, AND OVERDRAFTS)

We may from time to time, limit the type, number and dollar of any transaction made by use of a card, not withstanding

the amount in your account(s), and terminate or suspend the operation of any cards, ATMs or Visa ® Check Cards,

without notice.

If you at any time wish to cancel or change any limit or other requirement on any outstanding Card, you must contact

us in writing.

* Daily refers to a 24 hour period (Midnight to Midnight)

DOCUMENTATION OF TRANSACTIONS:

You agree to instruct your cardholders to request receipts from ATMs and from merchants for each transaction. Most

internet merchants allow you to print a purchase confirmation, which serves as your receipt. You should promptly

compare your receipts to your account statement for accuracy. (see DUTY TO EXAMINE STATEMENT)

RETURNED MERCHANDISE:

If a cardholder subsequently returns merchandise or requests credit for services purchased with the Card, the merchant

will furnish the Cardholder with a credit slip or receipt. You must save this credit slip or receipt and compare with your

monthly statement. We will not process any credit item to your Card Account without a proper credit issued by the

merchant. When a credit item has been processed and credited to your account, we will not refund any finance

charges or other charges, which may have accrued against your Card, or account because of the initial debit to your

account.

LODGING RESERVATIONS:

If a cardholder cancels any lodging reservation made using the Card, the Cardholder must obtain a cancellation

number. Murphy-Wall State Bank and Trust Company will give no credit for cancellation until it is in receipt of the

cancellation number.

LOST OR STOLEN CARDS/UNAUTHORIZED USE:

If a Card and/or its associated PIN is lost, stolen or used in an unauthorized manner (whether or not involving your

employees), you agree to notify us immediately of this event by calling us toll-free at 1-877-358-6554 and to promptly

confirm such notice in writing. Mailed confirmation of lost or stolen cards should be sent to: Murphy-Wall State Bank and

Trust Company, Attn: Bookkeeping Dept. PO Box 128, Pinckneyville, IL 62274-0128. You will continue to be liable for all

transactions accomplished with the use of the Card and/or it's associated PIN until 8:00 AM Central Standard Time on

the first business day following the day on which we receive written notice. We will not be liable for consequential

damages arising from the unauthorized use of the Card.

BUSINESS DAYS:

Our business days are Monday through Friday. Federal holidays are not included. Funds deposited in select proprietary

ATMs (not all of our ATMs accept deposits) after 1:30 P.M. on a business day that the Bank is open, or on a day that the

Bank is not open, will be credited to your account on the next business day that the Bank is open.





RETAINED CARD(S):

For your protection, your card may be retained in situations where it appears to us that there is or may be a danger of

loss, theft, or unauthorized use.

You card may be retained by any ATM or merchant if the PIN is wrong after repeated attempts; your card was reported

lost or stolen; your card was closed for misuse; all of your accounts linked to your card(s) have been closed; your card

expired or was replaced; or the machine is not working properly.

STOP PAYMENTS:

You understand and agree that you may not place stop payment orders on any transactions originated by use of your

card.

OVERDRAFTS:

Electronic funds transfers and card transactions that you attempt to initiate may not be completed if your account is

overdrawn. Unless you have an overdraft line of credit attached to your account, you agree to maintain sufficient

collected funds in your account to cover card transactions. If there are not sufficient funds in your account, we may

charge an overdraft fee for each transaction we are unable to process. We reserve the right to use any account funds

you have on deposit for payment of card transactions, but are not required to do so.

DUTY TO EXAMINE STATEMENT:

Each month the Company will receive an account statement (“Monthly Statement”) showing, among other things, all

debits made by use of the Cards. Disputes regarding any Card debits shall be communicated in writing to us at Murphy-

Wall State Bank and Trust Company Attn: Bookkeeping Dept., PO Box 128, Pinckneyville, IL 62274-0128. Communications

shall include the Cardholder and Company’s names, the dollar amount of any dispute or suspected error, the reference

number and description of the dispute in error. Any communication regarding a dispute or suspected error must be

received by us within sixty (60) calendar days of the mailing date of the Monthly Statement on which the dispute or

incorrect debit first appeared. If we receive verbal notification, we may require written confirmation within ten (10)

business days. You are responsible for the review of your statement. Failure to notify us within such time noted above

shall conclusively establish that the statement is correct and that the full amount owed under such statement is a valid

obligation under the terms of this Agreement.

ERROR RESOLUTION PROCEDURE:

If we receive timely notice of any disputed debit, we shall initiate a provisional chargeback to the appropriate account

and shall thereupon seek to resolve all documented chargeback requests within ninety (90) days (or as allowed by law

or regulation) of the date of receipt of such request. If you notify us of an error or discrepancy in your periodic account

statement within the time limitation described above, we will investigate the matter and notify you of the results of our

investigation as soon as we have been able to obtain, and verify all relevant information in accordance with the

prevailing operating rules of Visa ® and endeavor to correct such error or discrepancy. We will have no obligation to

credit your account for the amount of any erroneous or unauthorized transaction unless caused by our negligence. If

we determine that no error or unauthorized use has occurred, you may request us to mail copies to you of the

document or information on which we relied in making our determination.





REPRESENTATIONS AND WARRANTIES:

You represent and warrant to us as follows:

All financial and other information which you provide to us from time to time is, and will continue to be, true and

accurate. You will inform us promptly in writing of any material changes in this information or your financial condition.

You will notify us in writing, of any intended change of your name, use of any trade name, and the effective date of

such change.

FEES AND CHARGES:

The following charges may be assessed against Company by Bank for the privileges being conveyed hereunder.

Application fee per card $ 12.00

Monthly fee per card $ .00 (Commercial Checking) Annual or monthly fees may apply for certain accounts with us, please review your Deposit Account Agreement.

ATM Foreign Service Charge $ 1.50 per withdrawal/balance inquiry Please note: When you use an ATM not owned by us, you may also be charged a fee by the ATM operator or any network used. You may be charged a

fee for a balance inquiry even if you do not complete a fund transfer.

There is no charge for ATM balance inquiries or withdrawals at machines owned by us

Replacement fee per card $ 5.00

We may charge your account a reasonable charge for photocopies and reprints which you or any of your cardholders

may request and for other special services as allowed by law.

Cross Border Assessment (CBA) - Murphy-Wall State Bank and Trust Company will pass on the CBA fee imposed by Visa

or MasterCard to our cardholders. Visa charges the financial institution a CBA on all international transactions at the

rate of 0.80% of the transaction; and MasterCard charges a CBA fee on all international transactions at a rate of 0.90%.

Visa and MasterCard define an international transaction where the card-issuing financial institution's country code is

different than the merchant's country code. Thus, a transaction over the internet could qualify as an international

transaction.

Currency Conversion Fee - A 0.20% Currency Conversion Fee will be assessed on international transactions where

Visa/PLUS or MasterCard/Cirrus/Maestro has performed a currency conversion function.

The exchange rate between the transaction currency and the billing currency used for processing international

transactions is a rate selected by Visa/PLUS from a range of rates available in wholesale currency markets for the

applicable central processing date, which rate may vary from the rate Visa/PLUS itself receives, or the government

mandated rate in effect for the applicable central processing date; or if processed by MasterCard/Cirrus/Maestro the

fee will be based on either a government mandated exchange rate, or a wholesale exchange rate selected by

MasterCard/Cirrus/Maestro and the rate used will be the applicable rate on the day the transaction was processed,

which may differ from the date of the transaction or when it posted to the cardholder’s account.

TERMINATION:

You may terminate this Agreement at any time by providing us with written notice and by returning the issued Cards.

We have the right to terminate this Agreement or cancel, revoke, or limit any of the Cards at our discretion at any time

without notice. In the event this Agreement is terminated for any reason, you must still pay any present or future

transactions resulting from the use of any Card or associated Card number or PIN. All Cards will remain our property and





must immediately be surrendered to us at such time as this Agreement is terminated or any Card is cancelled. If you

attempt to use your card after it has been cancelled or revoked, it will be retained.

NOTICES AND COMMUNICATION:

Except with respect to notices relating to the lost or stolen Cards, all notices, requests and other communication

provided must be directed to the other party in writing delivered in person to one of our banking facilities or by using an

acceptable form of communication has been agreed upon within this Agreement.

o We may provide notice to you under this Agreement by mailing the notice to the address listed in our records or

by fax or encrypted email if elected on the Application form.

o You may provide notice to us as directed upon or by mail at Murphy-Wall State Bank and Trust Company, Attn:

Bookkeeping Dept., PO Box 128, Pinckneyville, IL 62274-0128 or by fax at 618-318-8646 or by email to

[email protected]. Please do not send sensitive account information by email unless

encryption software has been utilized.

INFORMATION DEEMED CONFIDENTIAL:

We agree that Murphy-Wall State Bank and Trust Company will maintain all data relative to Company’s accounts as

confidential information and will exercise the same standard of care and security to protect such information as we use

to protect our own confidential information. We agree to use such data exclusively for the providing of services to

Company and Employees hereunder and not to release such information to any another party, except as may be

allowed (for example: to process your transactions, control risk, resolve a dispute, or provide you with marketing services)

or required by law.

CHANGE OF TERMS:

We may change, amend, add to, or delete any term or part of this Agreement, including the amount of any fees or

charges, to the extent allowed by applicable federal and state law. We will notify you in writing as indicated in the

NOTICES AND COMMUNICATION section of this agreement, and subject to the requirements of applicable law, any

amendment to the Agreement will become effective at the time stated in such notice. If under applicable law any

such change requires your approval, your use of the program or the use of any Card on or after the date you receive

the notice means that you accept and agree to the change.

DAMAGES AND ATTORNEY'S FEES:

You will be liable for any loss or damages resulting from your breach of this Agreement or to which your negligence

contributed. You will also be liable for any loss or damages resulting from unauthorized, fraudulent, or dishonest acts by

any Cardholder or any of your current or former authorized representatives. If we undertake collection or legal action to

enforce our remedies under the terms of this Agreement, you agree to pay our attorney's fees, expenses, and litigation

costs to the extent permitted by law.

DELAY IN ENFORCEMENT:

If we delay enforcing any of our rights under this Agreement, we will not lose those rights.


mailto:[email protected]




FORCE MAJEURE:

We will not be liable for our inability to perform our obligations under this Agreement when such inability arises out of

causes beyond our control, including, without limitation, any act of God, accident, equipment failure, system failure,

labor dispute, or the failure of any third party to provide any electronic or telecommunications service used in

connection with the acceptance and processing of Card items.

GOVERNING LAW:

This Agreement and all transactions hereunder shall be construed as contracts subject to and governed by the laws of

Illinois and applicable federal laws. If any part of the Agreement is determined to be unlawful or becomes

unenforceable for any reason, the remainder of the Agreement will remain enforceable. If any provision of this

Agreement cannot be legally enforced, it will be considered changed, or deleted, if appropriate, to the extent

necessary to comply with applicable laws. In the event any litigation is required to enforce the terms and conditions of

this Agreement, Company, on behalf of itself and its Employees, you consent to the jurisdiction and venue of any court

located in the State of Illinois necessary to comply with applicable.

For INSTITUTION Use Only:

CUSTOMER SERVICE REPRESENTATIVE

I have verified that the address listed on the Application matches the

address on our system and I have verified that it has not been changed

within the last 30 days and/or I have completed all necessary CIP

procedures for each applicant (New CIP Attached if Applicable).

I have verified that a COMPLETE signature card, required accompanying

resolution and/or minutes authorizing all signatures on the Application are

on file and I have verified that the “Certification and Directive” section has

been completed.

Date Taken: CSR Signature: BSA Officer Review:

LOAN OFFICER REVIEW

Credit Report(s) attached or in loan file (if in separate file, denoted below with Cardholder Name)

Indicate for each: Approved as requested; Approved with changes; or

Denied (Disclosures have been provided as required)

Signature:

Date:

DATA ENTRY

Provided to (Cardholder Name):

Card Number:

Data Entry/Reviewed By

& Date:

Approved; Approved with Change; Denied See loan file





Application and Agreement in its entirety with attachments (excluding credit reports) shall be scanned and indexed to the COMPANY CIF

Credit reports are scanned with loan documentation or individual Card record





Provide One Copy To CUSTOMER & Retain One Copy for BANK


Business Visa Debit Card Certification and Directive Page 1 of 2



BUSINESS VISA® DEBIT CARD CERTIFICATION AND DIRECTIVE

The undersigned representative(s) (whether one or more, the “Representative”) of the below-named Company (the

“Company”) hereby certifies to Murphy-Wall State Bank and Trust Company on behalf of Company that the following

certificate and directive have (i) been approved by the authorized governing body of or the individuals comprising

Company in accordance with the organizational documents of Company, and (ii) not been amended, modified or

revoked as of the date hereof.

CERTIFICATION

Company Name

Physical Address

Federal Tax Identification Number

Company is, and at all times shall be, duly organized and validly existing under the laws of the state of its origin

and the state where Company is located.

Company has the full power and authority to enter into and perform any and all agreements incidental to the

Business Visa® Debit Card services provided to Company by Murphy-Wall State Bank and Trust Company and to authorize

the persons designated herein to transact business on behalf of Company in connection with such Business Visa® Debit

Card services.

Company has duly authorized the Representative to complete the Certification and Directive on behalf of

Company.

Company will promptly notify Murphy-Wall State Bank and Trust Company in writing at the address first given above

(or such other address as Murphy-Wall State Bank and Trust Company may designate from time to time) prior to: (a) any

change in Company’s name; (b) any change in Company’s assumed business name; (c) any modification or rescission of

the Directive below; or (d) any change in any other aspect of Company that directly or indirectly relates to any

agreements between Company and Murphy-Wall State Bank and Trust Company.

DIRECTIVE

Murphy-Wall State Bank and Trust Company is designated as Company’s provider of Business Visa® Debit Card

services subject to such terms, conditions, rules and regulations of Murphy-Wall State Bank and Trust Company governing

Business Visa® Debit Card services from time to time, and Company’s agreement with such terms conditions, rules and

regulations shall be conclusively presumed by Company’s use of the Business Visa® Debit Card services;

All acts and things done prior to the date hereof by or on behalf of Company in connection with the Business

Visa® Debit Card services are hereby ratified, confirmed, and approved;

Any and all prior agreements by the Company concerning the Business Visa® Debit Card services continue in full

force and effect as supplemented or modified herein.

Company, as any of the persons named below (the “Authorized Persons”) shall deem necessary or desirable, shall

enter into and deliver such instruments, documents, agreements, and other writing as in the opinion of the Authorized

Persons may be necessary or desirable to obtain the Business Visa® Debit Card services. Each of the Authorized Persons is

hereby authorized and directed (individually and without the joinder of any other Authorized Person) to enter into and

deliver on behalf of Company, a the Authorized person may deem necessary or desirable, any and all of the Business Visa®

Debit Card documents contemplated by these Resolutions, each Business Visa® Debit Card document to be in form and

content satisfactory to the Authorized Person(s), such satisfaction to be conclusively evidenced by the Authorized Persons

execution of the same, and to do all such acts and things as in the opinion of the Authorized Persons may be necessary or

desirable in connection with the Business Visa® Debit Card services. Any of the Authorized Persons may act on behalf of the

Company without the joinder of any other person.


Business Visa Debit Card Certification and Directive Page 2 of 2



The Authorized Persons are as follows:

Name (Please TYPE or PRINT) Title (Please TYPE or PRINT) Signature

CONTINUING VALIDITY

This Certification and Authorization shall remain in full force and effect and Murphy-Wall State Bank and Trust

Company may rely upon it until written notice of its revocation or amendment shall have been delivered to,

received, and acknowledged by Murphy-Wall State Bank and Trust Company. Any such notice shall not affect any of

Company’s liabilities, obligations, or agreements in effect at the time such notice is given.

Murphy-Wall State Bank and Trust Company may rely upon the foregoing Certification and Authorization in extending

Business Visa® Debit Card products and services to Company.

IN WITNESS WHEREOF, the foregoing Certification and Directive has been signed and delivered this

_______________ of , 20_____.

Authorized Signature Authorized Signature

Authorized Signature Authorized Signature


Documents

DEBIT CARD AGREEMENT - Murphy WallBusiness Visa Debit Card Application Page 2 Murphy-Wall State Bank and Trust Company – 105 E Water Street – PO Box 128 Pinckneyville, IL 62274