Introduction to First National Bank eBank

Agreement Definitions: This "Agreement" explains the terms and conditions governing the use of First National Bank of Montana's Internet Banking Services. The terms within this Agreement are as follows:

The term "we," "us," "our," and "Bank" refers to First National Bank of Montana. "You" refers to each signer on an account. The term "business day" shall mean every day except Saturdays, Sundays and federal holidays. The term "Agreement" refers to the First National Bank of Montana Internet Banking Agreement. The term "Internet Banking Services" refers to all of First National Bank of Montana's electronic banking services (including, but not limited to funds transfers and bill payment) will be referred to collectively as "Internet Banking Services" in this Agreement.

First National Bank eBank can be used to access certain accounts at First National Bank of Montana. The applicable "Your Account Terms and Conditions", and supplemental disclosures, you received upon the opening of existing accounts continue to govern each of your accounts.

You and First National Bank eBank: This "Agreement" for accessing your accounts via "eBank" explains the terms and conditions that govern, regulate and protect the integrity of data which electronically transacts and communicates the products and services between you and First National Bank of Montana. The accounts that may be accessed via "eBank" include only accounts maintained at First National Bank of Montana.

Venue of First National Bank eBank: You agree that Montana state law and applicable federal regulation and law shall govern your use of the First National Bank of Montana web site, eBank and all transactions between you and First National Bank of Montana. You agree that jurisdiction and venue shall be located in Montana. First National Bank of Montana reserves the right to determine eligibility for any product or service.

Terms and Conditions

By accessing the First National Bank of Montana (FNBM) web site and/or web services:

1) Agreement Acknowledgement: I agree that my use of the Internet Banking Services will confirm that I have completed and reviewed this Agreement and applicable disclosures, both of which FNBM may amend from time to time. By using any of FNBM's Internet Banking Service in connection with my account(s) at FNBM, I agree to be bound by these terms and conditions and of the Deposit Account Terms and Conditions. FNBM reserves the right to revise these terms and conditions, without prior notification, at any time.

2) Security: I certify that I am authorized to use the pin and password to access internet banking services provided by FNBM. I understand that my Password and PIN can be used to expend funds from my account and that this code MUST be safeguarded. I take responsibility for safeguarding this information and agree that I will not, under any circumstances, disclose my Password or PIN to any person.

I authorize FNBM and its agents to follow any instructions transmitted by use of this code, and I agree to be bound thereby. I am liable for all transactions made or authorized using my Password or PIN. FNBM assumes all transactions authorized by my Password or PIN are legitimate. If accessing a business or non-commercial account, I certify that I am authorized to use the Password and PIN. If accessing a multiple party account, I understand each person authorizes any other signer(s) on the account(s) and will be liable for all transactions that are made on that account(s).

I will notify FNBM at once if I believe another person has improperly obtained my Password or PIN or has carried our un-authorized transactions. At any time, I may ask FNBM to disable my Password or PIN and obtain a new one.

I understand passwords are case sensitive with upper and lower case letter capabilities. When I log in for the first time with my bank assigned password, I understand I must immediately change my password. This is for my protection. For added security, I understand I will be prompted to change my password every three months. I understand pin and password requirements may vary for the following internet banking services:

• eBanking
• eCorp
• ePay Consumers
• ePay Business

FNBM has contracted for additional levels of protection referred to as Multifactor Authentication for the above internet banking services. I understand additional password verification systems including: image verification, token verification, individual challenge questions or a combination of, may be required depending on the type of internet banking service. I can learn more about Multifactor Authentication by taking the on-line customer education tutorial provided by FNBM.

3) System Availability: To access eBank you must have a browser that supports 128-bit encryption. There are upgrades for Microsoft Internet Explorer version 5.0 or greater, or Netscape Navigator version 6.1 or greater, which provide this encryption. We have placed links for you to access these upgrades on our System Requirements page. If you wish to use a different browser, you will need to contact the provider of the browser you wish to use to get the proper 128-bit encryption.

FNBM's internet services will generally be available 24 hours a day, 7 days a week, except for scheduled maintenance. In no event shall FNBM be liable for any damages whatsoever which arise out of or related to: your ability to use or access FNBM's internet services; your reliance on any information provided via our website; or any other failure of performance, error, omission, interruption, defect, or any loss or delay in transmission.

4) Account Information: I understand balancing information available through FNBM's web services may not reflect outstanding checks, charges, or unposted transactions. Pending transactions are transactions that are presented to the Bank during the current business day or after the processing cut-off time for the previous business day (which varies between 4:00pm and 6:00pm). Pending transactions may include a variety of items including, direct deposits, ACH items, ATM transactions, and check card transactions.

5) Contact Us: I can send an email as a way of communicating with the Bank's customer support personnel. I may contact us 24 hours a day, 7 days a week via email "Contact Us" available on the website. I understand typical response to my email inquiry is during regular business hours, 8 am to 5 pm Monday through Friday, excluding federal observed holidays.

IMPORTANT: Do not rely on email communication when reporting a lost or stolen PIN, Password, Credit Card, debit Card, or ATM Card. Do not send transfer or payment requests via email. I understand my identity cannot be confirmed when using email communications.

6) Site Tools: I understand nothing on FNBM's website is intended to provide legal, accounting, tax or financial advise. I should consult my advisor(s) on such matters. Tools that I have access to through the FNBM website (such as calculators, financial templates, etc.) are provided for my convenience, but are not guaranteed to be error free.

General Terms and Disclosure

Product and Service Disclosure: We reserve the right to change the fees or other terms described in the Agreement at any time. This does not include any changes to your "Account Terms and Conditions" you received when opening your account. Changes in Account Terms will always be mailed to you at least 30 days in advance of the change. Any charges, fees or other terms changed that affect this Site will be posted at this Site.

NOTICE: All transactions conducted over eBank are considered by the federal government as electronic "telephonic" transfers and considered "third party transfers" and are limited in number per statement cycle (month) for certain accounts under the Federal Reserve Act (Reg D). Refer to the disclosure that details the transactions allowed under Reg D that you were provided upon opening of a savings, money market or tiered interest account.

Funds Availability: The following disclosure was provided to you upon opening a transaction (checking) account at First National Bank. This is also disclosed here to help you clearly understand when your funds are available after deposits are made when setting up a Bill Payment.

Your Ability To Withdraw Funds At First National Bank of Montana

This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts that permit an unlimited number of payments to third persons and an unlimited number of telephone and pre-authorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

Our policy is to make funds from your cash or check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.

If you make a deposit before deposit cut-off time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after deposit cut-off time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Deposit cut-off times vary somewhat by bank office, but are not earlier than 4:00 p.m.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in one of your accounts. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

Longer Delays May Apply

Case-By-Case Delays - In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, may be available on the first business day after the day of your deposit.

If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Please Note:
You are responsible for reading and accepting the Electronic Disclosures. By completing the Internet Banking Application and using any or all Internet Banking Services (i.e., eBank, ePay Consumer, ePay Business, eCorp, etc.) you acknowledge that you have read and accepted these Disclosures in addition to disclosures provided at account opening.