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Turtle Mountain State Bank Internet Banking Agreement

I. Introduction
II. Accessing Your Turtle Mountain State Bank Accounts through Internet Banking
A. Requirements
B. Electronic Mail (E-mail)
C. Fees
D. New Services
E. Benefits of Using Internet Banking

III. Terms and Conditions
A. Your Online Password
B. Our Liability
C. Overdrafts: Order of Payments, Transfers, Other Withdrawals
D. Hours of Accessibility
E. Additional Terms and Conditions

IV. General Terms
A. Changes to Charges, Fees or Other Terms
B. Disclosure of Account Information
C. Questions or Error Correction on Internet Banking Transactions
D. Other General Terms

V. Protecting Your Account
A. Preventing Misuse of Your Account
B. Unauthorized Transactions in Your Turtle Mountain State Bank Accounts



I. Introduction


This Online Internet Banking Agreement ("Internet Banking Agreement") for accessing your Turtle Mountain State Bank accounts through Internet Banking explains the terms and conditions governing the Online banking services through Internet Banking. By using the Internet Banking Services, you agree to the terms and conditions of this Internet Banking Agreement. This Online Internet Banking Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of North Dakota. The terms "we," "us," "our," "Turtle Mountain State Bank," and "Bank" refer to Turtle Mountain State Bank. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays.

Internet Banking can be used to access Turtle Mountain State Bank accounts.


II. Accessing Your Turtle Mountain State Bank Accounts through Internet Banking


A. Requirements
To access your accounts through Internet Banking, you must have a Turtle Mountain State Bank account and an Online password.
A business must be operating under a tax payer identification number which must be the owner's Social Security Number to have access to these accounts.

B. Electronic Mail (E-mail)
Sending electronic mail (E-mail) through Internet Banking is a way to communicate with the Bank. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of Internet Banking. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s).

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Internet Banking or call 1-701-477-5995.

C. Fees
There are no monthly or transaction fees for accessing your account(s) through Internet Banking. Please note that fees may be assessed by your Online service provider.

D. New Services
Turtle Mountain State Bank may, from time to time, introduce new Online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

E. Benefits of Using Internet Banking
With Internet Banking, you can manage your personal or small business accounts from your home or office on your personal computer. You can use Internet Banking to:

  • View account balances and review transaction history.
  • Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).
  • Communicate directly with Turtle Mountain State Bank through E-mail.

III. Terms and Conditions


The first time you Internet Banking your Turtle Mountain State Bank accounts through Internet Banking you agree to be bound by all the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure.

A.Your Online Password
You will be given an Online Password that will give you access to your Turtle Mountain State Bank accounts for accessing Internet Banking. This password can be changed within Internet Banking using the options button. We recommend that you change your password regularly. Turtle Mountain State Bank will act on instructions received under your password. For security purposes, it is recommended that you memorize this Online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential.

B. Our Liability
Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Turtle Mountain State Bank, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser) , OR by Internet Access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Financial Services, or Internet browser or Internet Banking software.

C. Overdrafts: Order of Payments, Transfers, Other Withdrawals
If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, Internet Banking transfers that you have requested for a given business day), then:

  • Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and
  • The electronic funds transfers initiated through Internet Banking may result in an overdraft of your account and may, at Turtle Mountain State Bank's discretion, be canceled.

In addition, you will be charged the same overdraft charges that apply to your account.


D. Hours of Accessibility
You can access your Turtle Mountain State Bank accounts through Internet Banking seven days a week, 24 hours a day. However, at certain times, some or all of Internet Banking may not be available due to system maintenance.
A transfer initiated through Internet Banking before 3:30pm Central Time on a business day is posted to your account the same day. All transfers completed after 3:30pm Central Time on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day.
Our business days are Monday through Friday. Saturday, Sunday and Federal holidays are not included as a business day.

E. Additional Terms and Conditions
Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts. Current balance and activity information is available as of the close of the previous business day.
Transferring Funds - The number of transfers from a savings account is limited as described in the applicable Deposit Agreement and Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

IV. General Terms


A. Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you Online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for Online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.
 

B. Disclosure of Account Information
You understand that in addition to information furnished pursuant to legal process, some information about your accounts may automatically be disclosed to others. For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government. The Bank may also provide information about your account(s) to persons or companies the Bank believes would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, the Bank routinely informs a credit bureau when accounts are closed by the Bank because they were not handled properly. The Bank may also seek information about you from others, such as a credit bureau, in connection with the opening or maintaining of your account. You hereby authorize these transfers of information.

C. Questions or Error Correction on Internet Banking Transactions
In case of questions or errors about Internet Banking funds transfers through Internet Banking involving your account, here is what you should do:

  • Contact Turtle Mountain State Bank by electronic mail (E-mail)
  • Telephone Turtle Mountain State Bank at 1-701-477-5995
  • Write Turtle Mountain State Bank at P.O. Box 310, Belcourt, ND 58316, as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record
  • We must hear from you no later than sixty (60) days after we have sent the first paper statement on which the problem or error appeared. If you notify us verbally, we require that you send us your complaint or question in writing within ten (IO) business days.
  • Tell us your name and account number
  • Describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information and provide an approximate time when the transaction took place.
  • Tell us the dollar amount of the suspected error.

Other agreements for all deposit transactions are set out in the deposit agreement.

D. Other General Terms
Other Agreements - In addition to this Agreement you hereby agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable State and Federal laws and regulations. We agree to be bound by them, also.
Turtle Mountain State Bank Reserves the Right to terminate this Agreement - The Bank reserves the right to terminate this Agreement and your access to Internet Banking, in whole or in part, at any time without prior notice.



V. Protecting Your Account


A. Preventing Misuse of Your Account
Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Turtle Mountain State Bank Customer Service at 1-701-477-5995.

Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

Taking Care of Your Online Password - The password that is used to gain access to Internet Banking should also be kept confidential. For your protection we recommend that you change your Online password regularly. It is recommended that you memorize this Online password and not write it down.


You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your Online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, please contact Turtle Mountain State Bank Customer Service at once at 1-701-477-5995.

B. Unauthorized Transactions in Your Turtle Mountain State Bank Accounts
Notify us immediately if you believe another person has improperly obtained your Online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call Turtle Mountain State Bank Customer Service at 1-701-477-5995, or write Turtle Mountain State Bank, P.O. Box 310, Belcourt, ND 58316.