Personal Electronic Banking Services Agreement and Disclosure

This Personal Electronic Banking Services Agreement and Disclosure ("Agreement") explains the terms and conditions governing the use of RSNB Bank's Personal Electronic Banking Services ("PEBS").  PEBS includes online banking, except bill-pay services which is governed by a separate agreement, and mobile banking.  By clicking the "I Accept" button at the end of the page, you confirm your agreement to be bound by all of the terms of this Agreement and acknowledge your receipt and understanding of this disclosure.  By using any of PEBS, you agree to abide by the terms and conditions of this Agreement.  Please read it carefully.

Your accounts are governed by their respective contracts, disclosures of account terms, borrowing agreements, notes, applicable fee schedules, and any other agreement evidencing the terms and conditions of your accounts (collectively referred to as "Account Agreements"). If any provision of this Agreement is in conflict with the Account Agreements, the Account Agreements shall prevail.

This Agreement may be revised to reflect changes or add new services at any time, effective upon posting the revised Agreement on RSNB Bank's website. Continued use of the PEBS after posting of a revised Agreement will constitute acceptance of the revised terms and conditions in the Agreement, unless some other type of notification is required by law or regulation.

Definition of Terms
The words "we," "our" and "us" mean RSNB Bank. In this Agreement, the words "you" and "your" mean those who request and use PEBS, any joint owners of accounts accessed under this Agreement or any person authorized by you to use your PEBS. "Account" means any one or more deposit, loan or other accounts you have with RSNB Bank to which you have access through PEBS. An Account may be owned by a consumer or a business entity. "Enrollment Form" means the form you complete and submit to receive PEBS. "Credentials" means the access ID, password and other security credentials used to authenticate identity and access PEBS. "Business Days" are Monday through Friday except bank holidays.

Online Banking Service
PEBS are services provided to RSNB Bank customers (consumers, sole proprietors and other business customers, at our discretion). PEBS are available to you through computers, certain supported mobile devices. Access via mobile devices must be activated through RSNB Online. Additional terms and conditions apply and will be presented online for acceptance prior to the service being activated. In order for you to use PEBS, you must be the owner/signer of at least one Account at RSNB Bank. You must have a working connection to the internet, a web browser that provides strong encryption, a valid email address and Adobe Acrobat Reader 9.0 or greater to receive and view statements and notices. Mobile Banking is available through participating wireless carriers and supported mobile devices. It is your responsibility to notify RSNB Bank of any and all changes to your email address. RSNB Bank accepts no responsibility or liability for the consequences of your failure to notify us of all changes to your email address.

For joint accounts, each person wanting access to PEBS will have separate Credentials.

At the present time, you may use PEBS to access your accounts and perform the following functions:

Not all functions listed above are available for mobile banking. It is your responsibility to notify RSNB Bank of the loss or theft of your mobile phone. Mobile banking allows you to add more than one mobile phone to your online account. If you add another mobile phone to your online account, you certify that you are giving permission to the owner of the mobile phone access to your accounts.

We recommend that you print a copy of this Agreement for your records and that you periodically check for updates or changes and review the latest Agreement available.

Credentials
Once we receive your Enrollment Form, we will provide you with Credentials. Your initial Credentials will be temporary. For security purposes, you are required to change your Credentials the first time you access Online Banking. We also require that you create an access ID that is unique to you and a password that must be 8 to 15 characters in length, and must consist of at least one (1) upper-case letter, one (1) lower-case letter, one (1) numeric character and one (1) special character. You determine your password and your password is not available to us. By entering your Credentials, you authorize us to follow any instructions entered through PEBS. You accept responsibility for the privacy and security of your Credentials and agree not to give your Credentials or make them available to any other person. RSNB Bank is entitled to act upon instructions received through any PEBS under your Credentials and without inquiring into the identity of the person using your Credentials. You will be required to change your password every ninety (90) days. RSNB Bank assumes all transactions authorized by your Credentials are legitimate. You assume responsibility for all transactions up to the limits allowed by applicable law. RSNB Bank will not be responsible for any loss due to breach in the aforementioned security procedures.

Your access to PEBS will be locked for 15 minutes in the event your password is entered incorrectly on three (3) consecutive access attempts. After two (2) consecutive lockouts, you will need to re-establish your authorization to use PEBS. Contact us at 307-362-4802 to have access to your PEBS restored.

Account Access
When you use PEBS, you must use your Credentials to access your account. The Accounts to which you may have access through Online Banking include your checking accounts, savings accounts, loan accounts, home equity loan accounts, line of credit accounts, and certificate of deposit accounts. Accounts you open after enrollment in Online Banking may be included in PEBS unless you otherwise instruct us in writing. If you have an account that you are unable to access, you may request that it be added. It is in RSNB Bank's sole discretion whether to add the requested account. We undertake no obligation to monitor transactions through PEBS to determine that they are made on behalf of the accountholder.

PEBS are accessible seven (7) days a week, twenty-four (24) hours a day, except for reasonable periods from time to time for system maintenance. There may also be unscheduled down time, but we work to minimize such interruptions in service. You agree that we are not liable for scheduled or unscheduled interruptions of PEBS. During times when services are not available, you may use RSNB Bank's telephone banking service, ATMs or offices to conduct your transactions (assuming you have applied for and been accepted to utilize such telephone and ATM services).

If you do not access PEBS during any consecutive one hundred eighty (180) day period, your access to PEBS may be terminated.

Security
You understand the importance of your role in preventing misuse of your accounts through PEBS and agree to promptly examine your statements for your Accounts as soon as you receive them. You agree to protect the confidentiality of your Accounts and account numbers and your personal identification information (e.g., your driver's license number and social security number). You understand that personal identification information by itself or together with information related to your Accounts, may allow unauthorized access to your Accounts. Your Credentials, along with other security features that are in place, are intended to provide security against unauthorized entry and access to your accounts. You agree that properly logging off PEBS (by clicking the "Log Out" button) is required to protect access to your PEBS. You assume all risks associated with disclosure or discovery of any security procedure (including Credentials) to or by others. Data transferred via PEBS is encrypted and in an effort to provide transmission security.  PEBS utilize identification technology to verify that the sender and receiver of system transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that PEBS are secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including email, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the PEBS, or email transmitted to and from us, will not be monitored or read by others.

Balance Inquiries
You may use PEBS to check the balances and recent activity of your Accounts. Any balance shown by PEBS will include a date as of which the balance is current. The balance shown may also differ from your records because it may not include pending items such as deposits in progress, outstanding checks or other withdrawals, payments, charges, or items in process. Certain pending items are available to view in Online Banking. Due to processing constraints, there may be some pending items that affect balance activity, which are not available to view in Online Banking.

Transfers
Transfers you make through PEBS before 6:00 p.m. MST on a business day are posted to your account the same day. Transfers you make after 6:00 p.m. MST on a business day, Saturday, Sunday or bank holiday may not be posted until the next business day. RSNB Bank identifies transfers based upon the Credentials of the user who made the electronic transfer. You agree to communicate with any other persons with authorized access to your accounts about any transfers from your account in order to avoid overdrafts. You can transfer funds between your Accounts.

Overdrafts
If your account has insufficient funds to perform any electronic fund transfers (EFT) you have requested for a given business day, then: 

We may seek the return of any payment order and may reverse any other transfer, at any time, if doing so may reduce any losses or damages we may sustain.

Transfer Limitations
The following limitations apply:

The number of transfers from RSNB Bank Accounts and the amounts which you may transfer are limited by the terms of the applicable Account Agreements. If a hold has been placed on deposits made to your Account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Disclosure of Account Information & Transfers
We will maintain the confidentiality and privacy of your account information in accordance with our Privacy Policy. However, we will disclose information to third parties about your account or the transactions you submit under the following circumstances:

By using PEBS, you agree to the disclosure of such information.

Bill-pay Services
RSNB Bank's bill-pay services are an optional feature provided through iPay Technologies. Participation in bill-pay services is subject to the RSNB Online Bill Pay Agreement and Disclosure. In order to access bill-pay services, you must have an established checking account in good standing for three (3) months. There is an additional fee for bill-pay services.

Errors or Questions About Your Electronic Transfer
(Consumer /Personal Accounts Only)
In case of problems or errors about your electronic transfers, telephone us at 307-362-8801 or write us at RSNB Bank, PO Box 880, Rock Springs, WY 82902 as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement upon which the problem or error appeared.

When you contact us:

If the error relates to a payment made via the bill-pay service, please call 888-221-0172.  If you contact us by telephone, we may require that you send us your complaint or question in written form by postal mail or fax within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (five (5) business days for Visa Check Card point-of-sale transactions and twenty (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 forty-five (45) calendar days (ninety (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 need more time, we will provisionally credit your account within ten (10) business days (five (5) business days for Visa Check Card point-of-sale transactions and twenty (20) business days if the transfer involved a new account) for the amount you believe 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 complaint or questions in writing and we do not receive them within ten (10) business days, we may not credit your account. We will tell you the results within three (3) 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. If we have made a provisional credit, a corresponding debit will be made to your Account.

Our Liability for Failure to Make a Transfer
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, when you have properly instructed us to do so, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

Your Liability for Unauthorized Transfers
CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your account without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your account. If you contact us within two (2) business days after you learn of the loss, theft, compromise, or unauthorized use of your password, you can lose no more than $50 if someone used your password without permission.

If you do not contact us within two (2) business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access 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, contact us at once. If you do not tell us within sixty (60) days after the statement was mailed or emailed to you, you may not get back any money lost through transactions made after the 60-day time period if we can prove that we could have stopped someone from taking the money if you told us in time. If a good reason (such as a long trip or hospital stay) kept you from contacting us, we will extend the time periods.

Periodic Statements
We report your PEBS transactions on the periodic statement(s) for your Accounts.  A description of each transaction, including whom you paid, and the date and amount of the transaction, will appear on your statement. You will receive a statement monthly unless there are no transactions in a particular month. In any case, you will receive a statement at least quarterly.

Download Capabilities
Download capabilities for eligible Accounts allow you to download certain information from your Accounts into a file format that you can import into a spreadsheet or other program, or financial management software such as Quicken®, QuickBooks®, or Microsoft® Excel on your computer. You are responsible for obtaining a valid and separate license agreement with the provider of the financial management software. The following is a brief description of the various features of and requirements for using the download capabilities. From time to time, we may add to, modify, or delete any feature of the download capabilities at our sole discretion.

You agree and understand that:

Downloaded Account Information, Security of Data Transmission and Storage
If you choose to download information from PEBS, you understand and agree that:

Equipment
We are not responsible for any loss, damage or injury resulting from (a) an interruption in your electrical power, internet service or telephone service; (b) disconnection of your telephone service by your telephone company or from deficiencies in your line quality; (c) any defect or malfunction of your computer, modem, telephone service or mobile phone; or (d) PEBS. We are not responsible for any products or services relating to your computer or mobile phone, other than those specified herein. We also are not responsible for any damage to your computer, software, modem, telephone or other property resulting from the use of PEBS, including any damage resulting from a virus, trojans, or other items of a destructive nature.

Fees
You agree to pay the fees and charges for your use of the PEBS as set forth in the current fee schedule. You agree that all such fees and charges will be deducted from the account designated as the "Primary Account" on your Enrollment Form. If you close your Primary Account, you must contact us immediately to designate another account as your Primary Account. You agree to pay any additional reasonable charges for any services you request which are not covered by this Agreement. You are also responsible for any service fees incurred by you in connection with your use of PEBS. We will notify you of any changes in fees as required by law.

Disclaimer of Warranty & Limitation of Liability
We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with PEBS provided to you under this Agreement. We do not and cannot warrant that PEBS will operate without errors. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products under this Agreement, or by reason of your use of or access to PEBS, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort, or based on a warranty. Further, in no event shall any liability of RSNB Bank exceed the amount paid by you for the services provided to you through PEBS.

The Bank makes no warranty that:

RSNB Bank shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from:

Consent to Electronic Delivery of Notices

You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the RSNB Bank's website or by email. You agree to notify us immediately of any change in your email address.

Governing Law
This Agreement is also subject to applicable Federal laws and the laws of the State of Wyoming (except to the extent this Agreement can and does vary from those rules or laws). If any provision of this Agreement is found to be unenforceable, all remaining provisions will continue in effect. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or later default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and RSNB Bank, its successors and assigns. Certain obligations of the parties that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement.

Your Right to Terminate
You may cancel your PEBS at any time by providing us with written notice by US Mail or fax. Your access to PEBS will be suspended within three (3) business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

Our Right to Terminate
RSNB Bank reserves the right to terminate this Agreement and your access to PEBS in whole or in part, for any of the following reasons:

Termination will not affect your liability or obligations for transfers we have processed on your behalf.

Communications Between RSNB Bank and You
Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

a.  Email -You can contact us by email via our website at www.rsnb.com
b.  Telephone - You can contact us by telephone at (307) 362-8801 or (307) 362-0105
c.   FAX - You can contact us by fax at (307) 362-9432 or (307) 362-0728
d.  US Mail - You can write to us at:
                RSNB Bank
                Personal Electronic Banking Services
                PO Box 880
                Rock Springs, WY 82902-0880
e.  In Person - You may visit us in person at any one of our locations:
                Main Office - 200 Second St., Rock Springs, WY
                West Branch - 1987 Dewar Dr., Rock Springs, WY

By using PEBS you assert that you have read and agree to all the terms and conditions set forth in the above Agreement.