Terms of Use

ONLINE BANKING AGREEMENT AND DISCLOSURE

I. Definitions

1. "Authorized Representative" refers to a person with authority (with respect to the account);
2. "Bill Payment" is the online service that enables the scheduling of bill payments using a personal computer;
3. "ISP" refers to your Internet Service Provider;
4. "Online Banking" is the internet-based service providing access to your Bank account(s);
5. "Online Account" means the Bank account from which you will be conducting transactions using a Service;
6. "Password" is the Bank-generated code selected by us for use during the initial sign-on, or the codes you select after the initial sign-on, that establishes your connection to the Service;
7. "PC" means your personal computer which enables you, with the Internet browser and ISP, to access your Online Account;
8. "Time of day" references are to Mountain Time;
9. "Login ID" is the Bank-generated identification code assigned to you for your connection to the Service;
10. "We", "us", or "Bank" refer to Yellowstone Bank which offers the Services and which holds the accounts accessed by the Services; and
11. "You" or "your" refers to the owner of the account or the authorized representative.

II. Access to Services

III. Banking Transactions with Online Banking

• Savings accounts. You can make no more than six (6) transfers per statement period by preauthorized or automatic transfer or by telephone or Online Banking.
• Money Market account. You can make no more than six (6) transfers per statement period by preauthorized or automatic transfer or by telephone or Online Banking and no more than three (3) of these may be by check, draft or debit card.

IV. Use of Your Security Password

• Do not give out your account information, Password, or User ID;
• Do not leave your PC unattended while you are in the Bank's Online Banking Site;
• Never leave your account information within range of others; and
• Do not send privileged account information (account number, Password, etc.) in any public or general e-mail system.

V. Electronic Mail (E-mail)

• NOTE: E-mail transmissions outside of the Online Banking site are not secure. We advise you not to send us or ask for sensitive information such as account numbers, Password, account information, etc. via any general or public e-mail system. If you wish to contact us electronically, please use the Message Center tab provided in our Online Banking site.

VI. Linked Accounts

VII. Business Accounts

• enter into this Agreement, as amended from time to time;
• access each account of yours in any manner and for any purpose available through the Service, whether now available or available at some time in the future; and
• use any Online banking service in any manner and for any purpose available through the Service, whether now available or available at some time in the future.

VIII. Term and Termination

1. you do not pay any fee required by this Agreement when due or
2. you do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing.

IX. Liability

1. If through no fault of the Bank, you do not have enough money in your account to make the transfer.
2. If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer despite reasonable precautions that we have taken.
3. If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy.
4. If your funds are subject to a legal proceeding or other encumbrance restricting the transfer.
5. If your transfer authorization terminates by operation of law.
6. If you believe someone has accessed your accounts without your permission and you fail to notify the Bank immediately.
7. If you have not properly followed the instructions on how to make a transfer included in this Agreement.
8. If we have received incomplete or inaccurate information from you or a third party involving the account or transfer.
9. If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.
10. IN NO EVENT SHALL WE HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM OR ARISING OUT OF THIS AGREEMENT.

X. General Terms and Conditions

• where it is necessary for the provision of Online Banking and for completing transfers;
• in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
• in order to comply with government or court orders, or other reporting requirements;
• if you give us your permission;
• to the Bank affiliated companies.

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES

ATM

• Deposit funds to your checking account.
• Withdraw cash from your checking account.
• Deposit funds to your savings account.
• Withdraw cash from your savings account.
• Transfer funds between your checking and savings accounts.
• Obtain balance information on your deposit accounts.

• You may withdraw up to a maximum of $300.00 (if there are sufficient funds in your account) per day.
• Your Bounce Protection Limit may be available at the ATM. The limit will not be included in the balance provided during an inquiry.

• There is no charge for ATM withdrawals at machines owned by us.
• There is a $1.00 charge for each ATM withdrawal at machines we do not own.
• When you use an ATM we do not own, you may also be subject to a fee imposed by the ATM operator or network for making a withdrawal or funds transfer or a balance inquiry.

VISA CHECK CARD

ONLINE BANKING

• Transfer funds between your deposit accounts.
• Obtain balance information on your deposit and loan accounts.
  View transactions.
• View and print images of paid checks.
• Download account history in Quicken®, Microsoft Money®, or spreadsheet formats
• Pay bills
• Access eStatements.

• There are no limits on the number or amount of inquiries, transfers or bill payments. Transfers are unlimited on checking accounts. Transfers out of savings are limited per banking regulation.

ACH

• Accept direct deposits from your employer, U.S. Treasury Department or other financial institutions to your checking or savings account.
• Accept preauthorized debits.
• Accept checks converted to ACH.

• Transfers are charged the same as checks and credits per the accompanying schedule.
• We will charge $20.00 for each stop-payment order for preauthorized transfers.

• Periodic Statement: You will get a monthly account statement from us unless there are no transactions in a particular month. In any case you will get a statement quarterly. You will get a quarterly statement from us on your savings account if this is the only account you maintain and the only possible electronic transfer to or from the account is a preauthorized deposit. If you have a passbook account, you may bring your passbook to us and we will record any direct deposits that we made to your account since the last time you brought in your passbook. A description of the transactions performed at an ATM terminal will be provided on any periodic statement of account furnished to you.
• Terminal Receipt: You will receive a terminal receipt at the time you make any transaction at an ATM terminal. The receipt shall be admissible as evidence in any legal proceeding and constitutes prima facie proof of the legal transaction which it records.
• Record Keeping: It is important that you retain records relating to your account as well as your transactions at any ATM terminal. In order to have a current understanding of your account as well as detect errors, it is important that you retain your terminal receipts until such time that you have reconciled your account statement provided by us with your account records.
• Direct Deposits: If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at your local Yellowstone Bank location to find out whether or not the deposits have been made.

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If you used the wrong ATM PIN, or you used an ATM/POS in an incorrect manner.
• If the ATM where you are making the transfer does not have enough cash.
• If the ATM was not working properly and you knew about the problem when you started the transaction.
• If circumstances beyond our control (such as fire, flood or power failure) prevent the transaction.
• If the money in your account is subject to legal process or other claim.
• If your account is frozen because of a delinquent loan.
• If the error was caused by a system of an ATM network.
• If there are other exceptions as established by us.

1. Tell us your name and account number (if any).
2. 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.
3. Tell us the dollar amount of the suspected error.

• To complete transfers as necessary;
• To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
• To comply with government agency or court orders; or
• If you give us your written permission.

• You, or any authorized user of your ATM PIN breach this or any other agreement with us;
• We have reason to believe that there has been an unauthorized use of the ATM PIN;
• We notify you or any other party to your account that we have cancelled or will cancel this Agreement.
• You or any other party to your account can terminate this Agreement by notifying us in writing.

• Stop Payment Rights: If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment of preauthorized transfer from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do require the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made. We will charge you $20.00 for each stop payment order you give.
• Notice of Varying Amounts: If these regular payments may vary in amount, the person you are going to pay is required to tell you ten (10) days before each payment when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the account would fall outside certain limits that you set.
• Liability for Failure to Stop Payment of Preauthorized Transfers: If you order us to stop one of these 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.