Internet Banking Service Agreement

Terms and Conditions

 

This Internet Banking Services  Agreement Terms and Conditions (Agreement) between you and Glacier Bank govern the  use of 1st Bank , a Division of Glacier  Bank, internet banking services ("Internet Banking").

Please read this Agreement carefully and keep  it for future reference. When you use any of the Internet Banking services described  in this Agreement, or authorize others to use them, you agree to all of the terms  and conditions contained in this Agreement.

Definitions. The words you and your refer to either and all of the persons agreeing to this Agreement. The words weus, and our refer to the financial institution identified in this Agreement. The  words your deposit accounts refer to the deposit accounts with us identified in  this Agreement. The words your loan accounts refer to the loan accounts with us,  including lines of credit, on which either or all of you are obligated to us. The  words your accounts refer to your deposit accounts and your loan accounts. The words  our internet service refer to our Internet Banking Service as described in this  Agreement and as modified by us from time to time. The word terms refers to the  terms and conditions contained in this Agreement. ACH refers to Automated Clearing  House.

Security. We work hard to make our  website secure. We will employ such security measures as in our reasonable judgment  are appropriate to secure our website. You will not use our website for unauthorized  purposes. We may monitor and audit transactions made through our website.

As a courtesy to you, we offer a third-party  security software program which can be downloaded by you through our internet service  and which can be used alongside other recommended preventative security measures  and programs including firewalls and anti-spam/anti-virus/anti-spyware. The purpose  of this software is to help prevent the theft and misuse of your username, password,  and other sensitive login information. We offer this through a third party and may  require it for certain accounts as determined by us from time to time. We do not  make any covenants, warranties or guarantees that this software will prevent or  help to prevent the theft or misuse of your username, password or other sensitive  login information. Except as expressly set forth in this agreement or otherwise  required by law, we will not be liable for any losses or damages resulting from:

  1. your download and installation  of the software on your computer; or
  2. deficiencies in your computer hardware  or software or in your ability or care in using them.

Access to Accounts Via the Internet. Subject to the terms set forth below, we will provide you with our internet service.  When you first set up your Internet Banking User ID and PIN/Password, we will link  all of your accounts to that User ID and PIN/Password. If you open an additional  account with us at a later date, that account will automatically be linked to your  Internet Banking User ID and PIN/Password unless you instruct us not to link the  new account. You can use your Internet Banking account to access your accounts by  computer via the internet through our website using your User ID and PIN/Password  and providing such other information as may be required by our website to accomplish  the following:

  • Transfer funds between your  deposit accounts.
  • Make payments from your deposit  accounts to your loan accounts.
  • Make payments from your deposit  accounts to third parties pursuant to our Internet Bill Payment Program described  below.
  • Transfer funds from lines of  credit you have with us to your deposit accounts.
  • Transfer funds from your deposit  accounts to accounts held by you or others at another Financial Institution.
  • Get information about your  accounts, such as account balances or information on deposits or withdrawals. 
  • Business customers may have  access to additional services including the ability to initiate payroll and tax  payments.

We will have no obligation to carry  out any transfers or payments unless there are sufficient funds in the pertinent  deposit account or any overdraft line of credit on that deposit account. We will  promptly provide you with a User ID, PIN/Password, the address of our website through  which you can access your accounts, and such other information as you will need  to participate in our internet service.

Access to Account via Mobile Device. We offer a mobile banking service which allows you to access your accounts via certain  supported mobile devices using your Internet Banking User ID and PIN/Password and  providing such other information as may be required by us. Mobile Banking permits  a user to access the following account information and take the following actions: 

  • Transfer funds between your  deposit accounts.
  • Make payments from your deposit  accounts to your loan accounts.
  • Make payments from your deposit  accounts to third parties pursuant to our Internet Bill Payment Program described  below.
  • Transfer funds from lines of  credit you have with us to your deposit account.
  • Transfer funds from your deposit  accounts to accounts held by you or others at another Financial Institution.
  • Get information about your  accounts, such as balance or information on deposits or withdrawals.
  • Customers can make check deposits  using our Remote Deposit services.
  • Expanded Remote Deposit options  may be available to business customers. Contact the bank for more information.

ACCOUNT ACCESS. To prevent unauthorized  access to your accounts and to prevent unauthorized use of your Internet Banking  service, you agree to protect and keep confidential your account number, PIN, user  name, password, or other means of accessing your accounts. The loss, theft, or unauthorized  use of your account number, PIN, user name, password or other means of accessing  your accounts could cause you to lose some or all of the money in your accounts,  plus any amount available under your overdraft protection credit line. It could  also permit unauthorized persons to gain access to your sensitive personal and account  information and to use that information for fraudulent purposes, including identity  theft. If you disclose your account number, PIN, user name, password or other means  of accessing your accounts to any person(s) or entity, you assume all risks and  losses associated with such disclosure. If you permit any other person(s) or entity,  including any data aggregation service providers, to use the Internet Banking service  or to access or use your account number, PIN, user name, password, or other means  of accessing your accounts, you are responsible for any transactions and activities  performed from your accounts and for any use of your personal and account information  by such person(s) or entity.

REMOTE CHECK DEPOSIT. We offer a remote  check deposit service which allows customers to deposit eligible checks into designated  account(s) from a web-enabled mobile device by creating  an image of the front and back of the check and delivering the check image and associated  deposit information to the bank electronically. Expanded Remote Deposit options  may be available to business customers. Contact the bank for additional information.

  • You are responsible for paying the  fees associated with the use of this service. Contact the bank or see the bank fee  schedule for details.
  • Items Eligible for Deposit.  You agree to only image and deposit original checks, as defined by Regulation CC  and Check Clearing for the 21st Century Act, which are properly payable to the owner  of the account and contain the drawer's signature. The following types of checks  are not eligible checks:
    • Traveler's Checks
    • Money Orders
    • Checks drawn on a financial  institution located outside the United States, including but not limited to, Canada
    • Checks not payable in United  States currency
    • Checks previously converted  to an image replacement document or substitute check, as defined by Regulation CC
    • Checks that are remotely created  checks, as defined by Regulation CC
    • Checks payable to any person  other than the account holder of the account into which the check will be deposited
    • Checks containing an alteration  on the front of the check, which you know or suspect are fraudulent, or are otherwise  not authorized by the account holder
    • Checks payable jointly, unless  deposited into an account in the name of all payees
    • Checks dated more than six  (6) months prior to the date of deposit
    • Checks or items prohibited  by the bank's current procedures relating to the services or which are otherwise  not acceptable under the terms and conditions governing the account
    • Checks payable on sight or  payable through drafts, as defined by Regulation CC
    • Checks with any endorsement  on the back other than that specified in this agreement
    • Checks that have been previously  submitted or deposited through the remote check deposit service or through a remote  deposit capture service offered at any other financial institution
    • Checks previously submitted  for deposit and returned
  • The check image will be sufficiently  inclusive and high quality to permit us to satisfy all pertinent requirements of  the following: the Check 21 Act, 12 USC 5001, et seq; all related laws or regulations;  all other state or federal laws and regulations; The American National Standards  Institute; The Electronic Check Clearing House Organization; and all other clearing  houses or associations. 
  • You agree to restrictively  endorse any eligible item transmitted through the remote check deposit service as  "For Deposit Only, Account # __________________ (Signature  of Payee/Account Holder)" or as otherwise instructed by the bank.
  • We will credit your account  for an eligible item included in a Remote Deposit if, but only if, we have received  it and it has been accepted for deposit. We reserve the right to reject any item  transmitted through the remote check deposit service, at our discretion, without  liability to you. 
  • You may forward only one check  image at a time for deposit. The total dollar amount of eligible items that can  be transmitted to us under this agreement is limited to $2,500 per day. We reserve the right to modify these  limits from time to time.
  • Remote deposits must be received  by 6pm MT cut-off time on a business  day. Any Remote Deposit not received on a business day or not received in their  entirety by the designated cut-off time on a business day will be considered to  have been received on the next business day.
  • Funds from eligible items included  in Remote Deposits will be available to you at such times after their acceptance  for deposit under this Agreement as they would be available to you after their acceptance  for deposit had they been deposited as paper originals in person to one of our employees  at our main facility, under our policies as reflected in our then current Funds  Availability Disclosure. Even after funds are available to you and have been withdrawn,  you will still be responsible for returned items or any other problems with the  remote deposit.
  • You will retain and preserve  the paper original of each eligible item included in a Remote Deposit for a period  not to exceed 5 days after it is accepted for deposit and will destroy it immediately  after the expiration of that period. 
  • You will examine your statement  of account and report to us any errors relating to Remote Deposits within 60 days  after the applicable account statement is sent. If you do not discover and report  to us any such errors or any other issues regarding Remote Deposits within 60 days  from when the statement including the Remote Deposits was first sent or made available  to you, you cannot assert the errors or other issues against us. 
  • By using the remote check deposit  service, you accept the risk that a check image may be intercepted or misdirected  during transmission. Bank bears no liability to you or others for any such intercepted  or misdirected check images or information disclosed through such errors. 
  • Unless prohibited by law, by  making Remote Deposits you make the following warranties to us and agree to indemnify  us and hold us harmless from any claim, loss, liability, expense or damage from  your breach of such warranties, including payment of our reasonable attorneys’  fees and litigation expenses:
    • That you were entitled to  deposit each of the eligible items included in your Remote Deposits;
    • That only paper originals  of bona fide eligible items have been scanned for Remote Deposits;
    • That each of the eligible  items included in your Remote Deposits was duly authorized in the amount stated  on the eligible item and to the payee stated on the eligible item;
    • That there was and will be  no duplication among eligible items included in your Remote Deposit;
    • That you will not deposit  or redeposit the paper originals of the eligible items included in your Remote Deposits  or make any other deposits or redeposits of such eligible items without our informed  consent;
    • That we will not suffer any  loss as a result of your Remote Deposits;
    • That we will not suffer any  loss as a result of your retention or destruction of the paper originals of eligible  items included in your Remote Deposits;
    • That all information you provide  to us regarding your Remote Deposits will be accurate;
    • That your Remote Deposits  and all information you provide to us will be virus-free;
    • That your Remote Deposits will  not violate any laws; and
    • That you have performed and will perform  all your obligations under this Agreement.

Internet Bill Payment Program. The following  is our Internet Bill Payment Program which you may elect to use:

  • If you elect to use our Internet  Bill Payment Program, we will make payments on your behalf from any of your deposit accounts, as directed by you, to third parties by electronic payment or  preparing and mailing checks drawn on such accounts.
  • Unless otherwise required by  law, we will not be liable for indirect, special, or consequential damages for failure  to mail, or erroneous or tardy mailing, under this program.
  • This program cannot be used  to make the following types of payments:
  • Please refer to our separate  fee schedule for additional information about charges.

Online Financial Management with Account  Aggregation. Our Online Financial Management Account Aggregation service allows  you to enter your username, password and other login information for your account(s)  at other financial institutions for the purpose of allowing the Account Aggregation  service to access those accounts and aggregate those accounts into the Online Financial  Management service. If you elect to use this service, you hereby agree to abide  by all policies, requirements and restrictions communicated in writing to you with  respect to the Account Aggregation service. You further acknowledge, understand  and agree that your username, password and other login information for any of your  account(s) which you elect to add to the Account Aggregation service will be saved  and used by the Account Aggregation service for the purpose of logging into and  accessing those accounts, retrieving information from those accounts and performing  the account aggregation and you authorize us and/or our third-party software providers  to use the username, password and other login information that you provide for the  purpose of logging into and accessing those accounts at outside financial institutions,  retrieving, storing and displaying information from those accounts and storing and  displaying information from those accounts as necessary to perform the account aggregation  service. We and any third-party service providers do not guaranty the timeliness,  accuracy, reliability or completeness of the data collected by the Account Aggregation  service or of the results of your use of the Account Aggregation service. Except  as otherwise permitted in this Agreement or required by law, we will not share your  username, password and other login information with parties other than our third-party  service providers as necessary for completing the account aggregation function and  we will not use your username, password or other login information for purposes  other than those authorized herein.

Hardware and Software Requirements. We will promptly provide you with a statement of the computer hardware and software  requirements to participate in our internet service. We can change these requirements  from time to time and will give you advance notice of any such changes. Unless you  comply with such changes, you may not be able to participate further in our internet  service. If you are able to access our internet service using hardware and software  that does not meet our requirements, you may not be able to access or use all of  the functions of our internet service and may be exposed to increased security risks  related to your Internet Banking.

You are solely responsible for obtaining,  installing, maintaining and operating all software, hardware or other equipment  (collectively, "Systems") necessary for you to access and use our internet  service. This responsibility includes, without limitation, your utilizing up to  date web-browsers and access devices and commercially available encryption, antivirus,  anti-spyware, and internet security software. You acknowledge that there are certain  security, corruption, transmission error, and access availability risks associated  with using open networks such as the Internet and you hereby expressly assume such  risks.

Electronic Disclosures and Notices. This Disclosure describes the process that must occur before we can provide you  with electronic disclosures and notices (such as by email or website). It also describes  your rights in the event you consent to receiving electronic disclosures and notices.  First we must inform you as to the computer hardware and software requirements to  receive and keep the electronic disclosures and notices. Then we must make an electronic  request for your consent. Finally, you must give your consent electronically in  response to our request. You understand prior to giving your consent that:

  1. Your consent applies to disclosures  and notices regarding your accounts or our internet service, and it applies to your  periodic account statements;
  2. Unless you consent, you have the  right to receive all required disclosures in paper or non-electronic form;
  3. Even after consent, if you want  to receive a paper copy of the disclosure in addition to the electronic disclosure  you can obtain one free of charge by calling us;
  4. You can withdraw your consent at  any time by calling us; and 
  5. You must promptly provide us with  the information (such as an email address) needed to communicate with you electronically  and update us as to any changes in such information by calling us.

We reserve the right to provide any  disclosures or notices in writing, rather than electronically. Except as otherwise  provided by law or in other agreements, you can give us all notices regarding your  accounts, our internet service, or your periodic statements, except for stop payment  orders by  email using our then current email address, regardless of anything in this agreement  to the contrary; however, we reserve the right to have notices confirmed in writing  upon our request. Customer notices can also be given by mail or telephone call.  If by telephone call, we reserve the right to have notices confirmed in writing  upon our request.

Stop-Payment Orders. To be effective,  a stop-payment order must be received in time to allow us a reasonable opportunity  to act on it, and for some ACH debits must be received at least three business days  before the scheduled date of transfer. To be effective, a stop-payment order must  identify the payment sufficiently to allow us a reasonable opportunity to act on  it. If the payment is by check, or if the payment is by ACH debit and we give notice  at the time an oral stop-payment order is received that written confirmation is  required and provide an address where the written confirmation can be sent, an oral  stop-payment order is effective for 14 calendar days only, unless confirmed in writing  within the 14-day period. Properly signed written stop payment orders are effective  for 6 months after date received and will automatically expire after that period  unless renewed in writing. With respect to ACH debits, you and we agree to abide  by the ACH rules and regulations regarding stop-payment orders.

Please refer to our separate fee schedule  for the amount we will charge you for each stop payment order you give.

Hours of Operation. You ordinarily  can participate in our internet service 24 hours a day - 7 days a week. However,  we reserve the right to suspend our internet service from time to time as we deem  appropriate.

Transaction Posting. Transactions entered  on our website on or before 8pm MT on  any business day will be posted on the same day. Transactions entered on our website  on weekends, federal holidays or after 8pm MT on a business day will be posted by the end of the next business  day.

Assignment and Delegation. We can assign  our interest and  responsibilities under this agreement,  delegate our responsibilities under this agreement, and use independent contractors  to perform or assist in the performance of our responsibilities under this agreement,  as we deem appropriate.

Limitations on Frequency of Transfers. In addition  to those limitations on transfers elsewhere described, if any, the following limitations  apply:

Regardless of anything else in this  or other agreements, transfers and withdrawals from a savings or money market account  to another of your accounts or to third parties by preauthorized, automatic, telephonic,  or computer transfer, or by check, draft, debit card, or similar order to third  parties, cannot exceed six per calendar month or statement cycle of at least four  weeks.

For security reasons, there may be  other limitations on the number of transfers you can make.

Termination by Bank. We can terminate  your right to participate in our internet service at any time if you fail to comply  with these terms or the terms of your account agreements with us. We will try to  notify you in advance, but we are not obliged to do so.

TERMINATION BY CUSTOMER. Your Internet  Banking services remain in effect until they are terminated by you or us. You may  cancel your Internet Banking at any time by notifying us in writing of your intent  to cancel. This cancellation applies to your Internet Banking services only and  does not terminate your accounts.  We recommend that you cancel any scheduled payments  prior to notifying us that you are discontinuing the service.

Change in Features. We retain and reserve  the right to amend, modify or terminate the options, features and services included  or offered in our internet service as we may see fit from time to time without notice  to you, and no such amendment, modification or termination shall constitute a breach  of this Agreement.

Changes in Terms. We can change the  terms and conditions of this Agreement from time to time in our sole discretion  by giving you notice as required by law. Continued use of our internet service by  you after notice of a change in terms constitutes acceptance of the change.

Notices. Notices must be in writing  and mailed or hand delivered, except that we can give them to you electronically  if you have so consented. Notices to you are effective when given, regardless of  whether you receive them. Notices to us are effective only when we actually receive  them.

Irreconcilable Conflicts. The terms  and conditions of this Agreement supersede those of your deposit or loan account  agreements to the extent they cannot be reconciled. You expressly waive any deposit  account agreement requirements of one or more signatures for withdrawal when using  our internet service. Any one of the persons authorized to make withdrawals from  your deposit accounts is authorized to make transfers pursuant to our internet service,  even if your account agreements provide that multiple signatures are required for  withdrawal. 

FEES

Please refer to our separate fee schedule  for additional information about charges. We can debit any fees to any of your deposit  accounts without notice.

DOCUMENTATION

Periodic Statements. You will get a  monthly account statement from us for your deposit accounts, unless there are no  transfers in a particular month, in which case you will get a statement at least  quarterly.

FINANCIAL INSTITUTION’S LIABILITY

Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time and in a correct  amount according to our agreement with you, we will be liable for your losses or  damages. However, there are some exceptions. We will not be liable, for instance:

  1. If, through no fault of ours, you  do not have enough money in your account to make the transfer.
  2. If you have an overdraft line,  and the transfer would go over the credit limit.
  3. If circumstances beyond our control  such as interruption of telecommunication service, catastrophic or emergency conditions,  or a natural disaster (such as a fire or flood) prevent the transfer, despite reasonable  precautions that we have taken.
  4. If the funds are subject to legal  process or other encumbrance restricting the transfer.

There may be other exceptions stated  in our agreement with you.

Except as expressly required by this  Agreement or otherwise required by law, we will not be liable for any losses or  damages resulting from:

  1. Deficiencies in your computer hardware  or software or in your ability or care in using them, or
  2. Problems relating to your access  to the internet.

CONFIDENTIALITY

We can disclose information to third  parties about your account or the transfers you make:

  1. Where it is necessary for completing  transfers; or
  2. In order to verify the existence  and condition of your account for a third party, such as a credit bureau or merchant;  or 
  3. In order to comply with government  agency or court orders; or
  4. As explained in our separate privacy  disclosures.

UNAUTHORIZED TRANSFERS

The Provisions of These Sections (Consumer  Liability and Error Resolution Notice) Apply Only to Consumer Accounts

Consumer Liability. Tell us AT ONCE  if you believe your Internet Banking PIN, user name, password, or other means of  accessing your accounts has been lost or stolen or discovered by an unauthorized  person, or if you believe that an electronic fund transfer has been made without  your permission. The best way to minimize your loss is to call us immediately. The  unauthorized use of your Internet Banking PIN, user name, password, or other means  of accessing your accounts could cause you to lose all the money in your accounts  plus any amounts available under your lines of credit.

If you tell us within 2 business days  after you learn of the loss, theft or discovery by an unauthorized person of your  Internet Banking PIN, user name, password, or other means of accessing your accounts,  you can lose no more than $50 if someone uses your Internet Banking PIN, user name,  password, or other means of accessing your accounts without your permission.

If you do NOT tell us within 2 business  days after you learn of the loss, theft or discovery by an unauthorized person of  your Internet Banking PIN, user name, password, or other means of accessing your  accounts, and we prove we could have stopped someone from using your Internet Banking  PIN, user name, password, or other means of accessing your accounts without your  permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers  that you did not make, tell us at once. If you do not tell us within 60 days after  the statement was mailed to you or was provided electronically if you consented  to receiving the statement that way, you may not get back any money you lost after  the 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 (such as a long trip  or a hospital stay) kept you from telling us, we will extend the time periods.

When you give someone your Internet  Banking PIN, user name, password, or other means  of accessing your accounts, you are authorizing that person to access and use your  Internet Banking service, and you are responsible for all transactions that person  performs while using your Internet Banking service. All transactions that person  performs, even those transactions you did not intend or want performed, are authorized  transactions. If you notify us that the person is no longer authorized, then only  transactions that person performs after the time you notify us are considered unauthorized.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About  Your Electronic Transfers, Call or Write us at the telephone number or address listed  below, 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. We  must hear from you no later than 60 days after we sent you, or provided electronically  to you if you consented to receipt that way, the FIRST statement on which the problem  or error appeared.

  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.

If you tell us orally, we may require  that you send us your complaint or question in writing within 10 business days.

We will determine whether an error  occurred within 10 business days (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 45 days (90 days if the transfer involved  a new account, a point of sale transaction, or a foreign-initiated transfer) to  investigate your complaint or question. If we decide to do this, we will credit  your account within 10 business days (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 question or complaint in writing and we do not receive it within  10 business days, we may not credit your account. Your account is considered a new  account for the first 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 business days after completing our investigation. If we decide that there  was no error, we will send you a written explanation.

You may ask for copies of the documents  that we used in our investigation.

 1st Bank
1001 Main Street
Evanston WY 82930
Phone: 1-800-274-7086
Business Days: Monday through Friday
Excluding Federal Holidays

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

 

 

ADDITIONAL PROVISIONS APPLICABLE ONLY  TO BUSINESS CUSTOMERS

By accepting this Agreement, you acknowledge  that the bank has commercially reasonable online banking security measures in place,  but that no security measures can be all inclusive or foolproof for preventing unauthorized  or fraudulent transactions, theft, or account takeover through online banking. You  further acknowledge that, where applicable, the bank has informed you of and recommended  that you implement the following security controls (which are in addition to the  bank’s standard security controls) which may help prevent unauthorized or  fraudulent transactions, theft, or account takeover:

  • Security Tokens
  • Trusteer
  • IP Restrict
  • Time/Date Restrict
  • Dual Control
  • E-Mail Alerts
  • ACH Edit Restriction (upload  files)

You further acknowledge your responsibility  to reconcile your accounts on a daily basis and notify us immediately in the event  a discrepancy is identified. Business accounts are not covered under Regulation  E or any other consumer law limiting liability with respect to unauthorized use  of internet banking services. In addition, the resolution process for business customers  differs from that identified above for consumer customers. Business customers are  required to notify us within one business day of unauthorized activity. Notification  of unauthorized activity does not guarantee a recovery of any loss incurred. Upon  proper notification, the bank will proceed with the investigation process and advise  you of the results of its investigation.

You agree that we may send notices  and other communications, including confirmation of your Internet Banking PIN, user  name, password, or other means of accessing your accounts, to the current address  shown in our records, whether or not that address includes a designation for delivery  to the attention of any particular individual. You further agree that we will not  be responsible or liable to you in any way if information is intercepted by an unauthorized  person, either in transit or at your place of business. You agree to: 1) keep your  Internet Banking PIN, user name, password, or other means of accessing your accounts  secure and strictly confidential, providing it only to authorized signers on your  account(s); 2) instruct each person to whom you give your Internet Banking PIN,  user name, password, or other means of accessing your accounts that he or she is  not to disclose it to any unauthorized person; and 3) immediately notify us and  select a new Internet Banking PIN, user name, password, or other means of accessing  your accounts if you believe your Internet Banking PIN, user name, password, or  other means of accessing your accounts may have become known to an unauthorized  person. We will have no liability to you for any unauthorized payment or transfer  made using your Internet Banking PIN, user name, password, or other means of accessing  your accounts that occurs before you have notified us of possible unauthorized use  and we have had a reasonable opportunity to act on that notice. We may suspend or  cancel your Internet Banking PIN, user name, password, or other means of accessing  your accounts even without receiving such notice from you, if we suspect Internet  Banking PIN, user name, password, or other means of accessing your accounts is being  used in an unauthorized or fraudulent manner.

 

Execution

 

The person agreeing to this Agreement represents and warrants that  he or she has full authority to agree and accept the terms and conditions of this  Agreement and, if agreeing on behalf of an entity, organization or other account  owner, that he or she has full authority to agree on behalf of such entity, organization  or other account owner. This Agreement shall be binding upon the parties and their  respective successors and assigns. The account owner shall notify us immediately  of any change in the person authorized to agree on behalf of the account owner.  By marking the I Agree box of the Agreement and selecting Accept, you certify the  representations made and agree, on behalf of yourself and/or the entity, organization  or other account owner on whose behalf you are agreeing to this Agreement, to all  of the terms and conditions set forth in this Agreement and acknowledge receipt  of a copy of this Agreement.

 

 

© 2005 Wolters Kluwer Financial Services – Bankers Systems™   Form INET-AGR-BRO Online  Accept Version   6/1/2005   Custom 11d   200585194-010