Terms and Conditions

By accessing our web site, you agree to be bound by all of the terms and conditions contained in this disclosure. Please read these terms and conditions carefully. "We", "our" or "us" refers to Bridgeview Bank and Trust, its affiliates and its officers, directors, employees and agents. "You" and "your" refers to the user of this web site.

You should always verify information on this web site with us directly before relying on it. We change our products and services from time to time, and this may affect the products and services described here. Products and services described here may not in fact be available, although we do try to keep this web site both accurate and current. We do not make any warranties or representations as to the accuracy of the information on our web site.

Limitation on Liability

You agree that we will not be liable to you or anyone else for any damages of any kind which may result from your visiting this web site or providing any information by means of this web site. The damages for which we are not responsible include, but are not limited to, direct, indirect, special, incidental, consequential, initiative or exemplary damages regardless of how those damages might arise, whether by contract, negligence, tort, strict liability or any other theory. You accept all the risks associated with transmitting information to us, and us transmitting information to you.

Links

If we provide a link to any other site, and you use that link, you accept all responsibility for any damages resulting from your use of that linked site.

Authorized Access 

The contents of this web site are controlled exclusively by Bridgeview Bank Group.  Unauthorized access, modification or attempts to circumvent established security systems is expressly prohibited.  Any violations of this prohibition will be prosecuted to the fullest extent of the law.

As used in this authorization, "I" "We" and "Us" means the owner of the accounts referenced in this agreement. "You" and "Yours" means the depository institution named above.

To use Bridgeview Bank's Online Banking Transfer service, you must pre-authorize the
transfer(s) by signing this form. Accounts to be set up for online funds transfer may be a combination of checking, savings or loans. Your account may be subject to transfer limitations. Please refer to "Your Deposit Account" brochure for details. In order to qualify for Online Banking Transfers, the accounts enrolled must have at least one of the same owners. I understand and agree that my execution of this transfer agreement and my authorization of the online transfers between the accounts identified by me to you waives and releases Bridgeview Bank Group from any responsibility for identifying the party or parties directing transfers or their authority to do so. I further understand and agree that all of the transfers coved by this agreement will be effectuated through Bridgeview Bank Group's Online Banking system.

I authorize and direct you to set up accounts designated by me. This authorization is valid until revoked by me in writing to Bridgeview Bank Customer Care Center, 7940 S. Harlem Ave., Bridgeview, IL 60455.

BRIDGEVIEW BANCORP, INC.

Excessive and Luxury Expenditure Policy

This policy fulfills the requirements under the American Recovery and Reinvestment Act of 2009 (ARRA) enacted February 17, 2009. ARRA requires each recipient of funds under the Capital Purchase Program (CPP) of the Troubled Assets Relief Program (TARP) to have in place a company-wide policy regarding excessive or luxury expenditures, as identified by the Secretary of the Department of the U.S. Treasury.

Bridgeview Bancorp, Inc. (the “Company”) prohibits excessive or luxury expenditures on entertainment and events, office or facility renovations, aviation or other transportation services or other activities or events that are not reasonable expenditures for conferences, staff development, reasonable performance incentives or other similar measure conducted in the normal course of business operations.

Renovations:

Renovations of facilities and office spaces should be relative to the approved project and current profit plan, and tracked within the capital expenditure policy of the Company. An exception to this can be allowed if management must deal with an emergency situation, such as an act of nature, and the expenditure is necessary to make the facility operational for customer use. At no time should renovations be done that would have the appearance of being extraordinary, or excessive from a shareholder perspective.

Entertainment:

Entertainment is defined as an activity that an Employee or Executive would use corporate funds for business development purposes relating to a current customer or prospective customer, or to further enhance the Company’s marketing efforts.

Our expectation is that all expenses incurred to the Bank would be for company purposes, and used to drive business to the bank. Occasional events such as taking customers or prospects on trips, playing golf, eating dinner, or taking them to other events the customer/prospect would find pleasurable is a necessary part of the Company’s marketing efforts and is not deemed as “luxury” or a violation of this Policy. These expenses should be documented and detailed as to the benefit derived by the Bank.

Events and parties focused on customers for the purpose of attracting their business would not fall under this policy.

Conferences:

We encourage our staff to attend conferences that are appropriate educational opportunities. These conferences should be related to the financial services industry and have a direct correlation to the job of the employee. At times it may be appropriate that a spouse would travel to these conferences with Company attendees. Typically these conferences are sponsored by vendors, banking associations, or other industry related entities.

Employee Recognition/Holiday Parties:

We feel that employee recognition/holiday parties are part of an employee appreciation process. These events should be local in geographic nature, and would include costs for such things as service awards and nominal door prizes. An event should not cost the sponsoring business unit more than an average day’s payroll per employee.

Board/Management Retreats

Retreats should only be used for educational or business planning purposes, and should be kept in consideration and looked at, in the same view and discretion as all other expenses. Board education is a vital part of maintaining, and keeping a dynamic director base, and this policy should not limit a retreat that is focused on strategic planning or education.

Aviation Services:

Transportation for Company staff to outlying locations, including bank locations, conferences, business development purposes and merger and acquisition research, should be conducted in the most cost appropriate way for the Company. Modes of transportation to be used may consist of vehicle, commercial or private air service, or rail service. The selection of transportation services will factor in cost, efficiency and timeliness of travel.

View the BRIDGEVIEW BANCORP, INC. Excessive and Luxury Expenditure Policy in PDF format