Personal Enrollment Form Agreement







ONLINE BANKING AGREEMENT - Please read carefully

You may agree to the terms by clicking ‘ACCEPT’ at the bottom of this page or ‘DECLINE” if you do not accept the terms of this agreement.

This Agreement describes your rights and obligations as a user of Valley Bank of Glasgow Online Banking and the rights and obligations of Valley Bank.

Definitions
Online Banking is the Internet-based service providing access to your account(s) under the terms set forth in this agreement.

Online Account means any Valley Bank account which you will access using Online Banking. Password is the code assigned to you by Valley Bank for use during the initial sign-on, or the code you select after initial sign-on, that establishes your connection to Online Banking.

Hours
Online Banking is available 24 hours a day, seven days a week, except during special maintenance periods or any unforeseen circumstance. For purposes of transactions, Valley Bank’s business days are Monday through Friday, excluding holidays as determined by Valley Bank. All Online Banking transaction requests received after 2:00 P.M. on business days, and all transactions, which are requested on Saturdays, Sundays, or holidays will be processed on the next business day.

Secure Access to Site

Valley Bank believes the safety and security of its customers’ accounts and account information is important. To ensure protection of your Accounts, you must access the Service via a personal computer with your User ID and Password. We will assign you a User ID and Password after we have accepted your Enrollment Application. When you first access the Service, you will be required to select a new Password and User ID. Your User ID must be at least 6 characters and Password must be at least 6 characters consisting of a combination of alpha and numerical and must be upper case (Caps Lock must be on). You may change your Password from time to time, as provided in the software. We recommend you do not use your social security number, birthday, name, or other code that may be easy for others to determine as your Password. No Valley Bank employee will ever ask you for your Password, nor should you provide it to anyone. YOU AGREE TO KEEP YOUR PASSWORD CONFIDENTIAL. USE OF THE PASSWORD BY YOU OR BY ANY OTHER PERSON WITH YOUR AUTHORIZATION WILL BE CONSIDERED THE SAME AS YOUR WRITTEN SIGNATURE AUTHORIZING US TO COMPLETE ANY TRANSACTION OR REQUEST COMMUNICATED THROUGH THE SERVICE. You agree that any Valley Bank online banking request initiated by use of the Password will be subject to and governed by this Agreement. Thus, we urge you to maintain the safety and security of your User ID and Password.

Lost/Forgotten Passwords
If your Password has been lost or forgotten, call Valley Bank at 406-228-4364 or 800-621-3083, between 8:00 to 5 P.M., Monday through Friday. We will then provide you with a new temporary password. For security reasons, Passwords will never be provided over the telephone or via email, but will be given in person or be mailed to the account holder on file. After three (3) unsuccessful attempts at authorization to use the system, you must contact us to have your Password reset or obtain a new temporary Password.

Online Banking Services
You may use Valley Bank Internet Banking to perform any of the following services designated by you in the Application or subsequently added by you as provided below:
1. Transfer funds between eligible accounts
2. Make loan payments
3. Review transactions on eligible accounts
4. Obtain balance information on eligible accounts
5. Allow export of transaction history to a personal financial manager software (Money, Quicken, etc.)
6. Change your password
7. To receive Bank Mail from and transmit to the Bank, all as described in this Agreement and the Software.

Please note that Federal regulations prohibit you from making more than six (6) pre-authorized or automatic transfers or bill payments from your money market account or savings account during a given monthly statement period. Please see your account disclosure for a more detailed description. There are no limits to the number of transfers or payments from you checking account.

Statements
You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.

Questions
If you have any questions or comments regarding Valley Bank’s Online Banking, please call us at 406-228-4364 or 800-621-3083 during business hours, or email us at info@valleybankglasgow.com.

Limit of Valley Bank responsibility

Valley Bank agrees to make reasonable efforts to ensure full performance of our Online Banking. We will be responsible for acting only on those instructions sent through our Online Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under our control, which may affect the accuracy or timeliness of messages you send. Valley Bank is not responsible for any losses should you give incorrect instructions, or if your instructions are not given sufficiently in advance to allow for timely payment.

Any information you receive from Valley Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Valley Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information or for any investment or other decision made using this information.

Valley Bank will not be responsible for any computer virus, or related problems, which may be attributable to services provided by any Access Server Provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking functions. Valley Bank is not responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Valley Bank liability shall be as expressly set forth herein. Under no circumstances will Valley Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages whether or not foreseeable. By consenting to use the Online Banking, you agree to waive any and all rights to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

Valley Bank’s responsibility to our customers
Valley Bank will be responsible for your actual losses if they are directly caused by our failure to:

*Complete an Electronic Funds Transfer as properly requested
*Cancel an Electronics Funds Transfer as properly requested

However, we will not be responsible for your losses if:

*Through no fault of Valley Bank, you do not have enough funds in your account to make the transfer
*Through no fault of Valley Bank, the transaction would have caused you to exceed your available credit
*Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken
*There is a hold on your account, or if access to your account is blocked in accordance with banking policy
*Your funds are subject to legal process or other encumbrance restricting the transfer
*Your transfer authorization terminates by operation of law
*You believe someone has accessed your accounts without your permission and you fail to notify us immediately
*You have not properly followed the scheduling instructions on how to make a transfer included in this agreement
*We have received incomplete or inaccurate information from you regarding the account or transfer

*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 the agreement.

There may be other exceptions stated in this Agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer and we will not be liable for any incidental or consequential damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incomplete transactions that have been processed.

Modifications to this agreement
Valley Bank may modify the terms and conditions applicable to the Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on your account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

Inactivity/Termination
You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges under this Agreement without prior notice to you for any reason, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

To cancel Online Banking, you must notify Valley Bank and provide your name and effective date to stop the service. You may notify us by calling us at 406-228-4364 or 800-621-3083 during business hours or by writing a letter and sending it to:

Valley Bank
P O Box 511
Glasgow, MT 59230

I AGREE I DECLINE

This Agreement is governed by the laws of the State of Montana and applicable federal law.
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