The following terms and conditions apply to your access to and use of the First Montana Bank Online Banking site. By accessing any page of our site, you agree to be bound by these terms and conditions. First Montana Bank reserves the right to revise these terms and conditions, without prior notification, at any time.

If you purposefully harm the First Montana Bank website or Online Banking site with malicious intent such as hacking, phishing or attempting to access unauthorized areas or intentionally attempt to harm the site with a virus, we reserve the right to pursue, prosecuting you to the fullest extent of the law.

First Montana Bank is not responsible if you download a file from our website or the Online Banking site that includes a virus.

All other fees, as applicable and described in your Account Terms and Conditions disclosures, will be charged to you as normally applied. Be advised that message and data fees or other fees may be assessed and charged to by your online service provider for time spent on Online Banking, via Internet access.

The bank will not be liable for any damages or lost profits arising from the use of our site, any interruption in the availability of our site, delay in operation or transmission, loss of data, or other events arising from use of our site, even if the Bank has been advised of the possibility of such damages or loss. First Montana Bank is not responsible if you download a file from the Bank website or Online Banking site that includes a virus.

You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of fees. You authorize us to deduct these fees directly from your account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. You will also be liable for our costs to collect the deficit as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account including but not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account.

The Bank will not be liable for any errors, omissions, loss of data, materials or functions by third party sites linked to or from our site and operated by other entities. Third party web sites linked to or from our site are the responsibility of those other entities and the Bank does not endorse the sites even if a link is established between the Bank's website and the website of the other entity.

It is the policy of First Montana Bank to fully comply with and promote the spirit of the Real Estate Settlement Procedure Act (RESPA). The Bank does not provide links to or from our site to any entity that would in turn provide the Bank with compensation when soliciting Real Estate mortgage lending. It is our policy to fully comply with RESPA's prohibition on referral fees, kickbacks, and fee splitting.

You may communicate with the Bank through our website, subject to the following conditions:

• You may not upload any information or material that violates any copyright, trademark, or other proprietary rights of any person or entity.
• You must not include any obscene, libelous, or defamatory content in your communications.
• You must indemnify and hold the Bank harmless from any and all damages, losses, and liabilities arising from your communications with us through our website.
• When contacting us via the website, please do not include any non public, personally identifiable information such as your bank account number, password or Social Security Number, as email is not a secure messaging system.

For your protection, your password must comply with the security standards established for Online Banking.

When logging in for the first time with your bank assigned, temporary password, you will be prompted and must immediately change your password to a password you select. This is for your protection. For added security you will be required to change your password every twelve (12) months. We recommend you change your password frequently, and immediately if your password is compromised. You may change your password or security data at any time from the Change Options menu within Online Banking.

Passwords are unique to each user accessing Online Banking. For joint and multiple signer accounts, each signer is assigned a unique Access ID and password, and is responsible for the confidentiality of their individual Access ID and password. Access IDs and passwords must never be compromised or shared with any other person or signer on an account.

There are no monthly or standard transaction fees for accessing your account(s) through Online Banking. Bill Pay fees may apply for expedited payments and stop payments.

There are no fees to send or receive funds through the Zelle® service. Fees may apply to cancel or stop Zelle® transactions.

Sending an email is one way of communicating with the Bank's customer support personnel and staff. You may contact us via email 24 hours a day, 7 days a week. We will respond to email inquiries during regular business hours, 8AM to 4PM Mountain Time, Monday through Friday.

You may contact us via our website using the "Contact Us" page. When contacting us via the website, please do not include any non public, personally identifiable information such as your bank account number, password or Social Security Number. Please do not contact us via email if you are under age 14.

You cannot use email to conduct transactions on your account(s). For account transactions, please use the applicable functions within Online Banking, Mobile Banking, Telebanking at 1-888-442-4970, or by calling your local branch.

You may choose to receive your monthly bank statements electronically rather than a traditional, mailed paper statement. If you select this option, you will be notified via email when your statement is available. You will be able to view, save or print your statement from within Online Banking. Centennial Checking requires an electronic statement. If you withdraw your consent to receive statements electronically, you may be charged a $2 per month paper statement fee. Refer to Fee Schedule for full account details.

To receive statements electronically, you must have the following:

• A personal computer or other device capable of accessing the Internet,
• A valid email address,
• A web browser capable of supporting 128-bit SSL encrypted communications, and
• Supported software that allows access to Portable Document Format (PDF) files.

We may treat an invalid email address, the malfunction of a previously valid email address, or cancellation of Online Banking as a withdrawal of your consent to receive statements electronically. It is your responsibility to provide us with a true, accurate and complete email address and other information related to your account(s), and to maintain and update promptly any changes to this information. If you have any questions about enrolling in electronic statements or accessing your statement online, contact your local branch or call 1-800-824-2692.

You must have a checking account with First Montana Bank to use our Online Bill Pay service. If your internal policy dictates that two signatures or more are required to withdraw funds from your checking account, all signers on the account are prohibited from using Online Bill Pay. First Montana Bank does not monitor for a requirement of two signatures or more. If you have more than one signer on the account all signers must have joint ownership of the account. See Joint Ownership section below.

For non-consumer use of Online Bill Pay the following ACH Origination Agreement terms apply:
(a) The Originator must authorize the ODFI to originate Entries on behalf of the Originator to Receivers’ accounts;
(b) The Originator must agree to be bound by these Rules;
(c) The Originator must agree not to originate Entries that violate the laws of the United States;
(d) Any restrictions on the types of Entries that may be originated;
(e) The right of the ODFI to terminate or suspend the agreement for breach of these Rules in a manner that permits the ODFI to comply with these Rules; and
(f) The right of the ODFI to audit the Originator’s compliance with the Origination Agreement and these Rules.

There is no limit to the number of bill payments that you may authorize. However, the types of payees of your payments are limited and exclude those indicated in the notice below. If you set up Online Bill Pay to a prohibited payee, we are liable for any fees or charges incurred as a result of the prohibited payee transaction(s).

Notice of Prohibited Payees:

• Payment of federal, state or local taxes (Consumer Online Bill Pay),
• Court, local or state government directed payments or collection agencies,
• Payments to persons or entities outside of the United States, and
• Payments to security companies for stock purchases or trade taxing authorities.

By initiating a scheduled transaction and providing the names of your payees/merchants and their addresses, you authorize us to follow the payment instruction to these payees/merchants that you provide us. When we receive a payment instruction for a current or future date we will remit the funds to the payee on your behalf from the funds in your selected checking account on the day you have instructed the payment to be sent. The amount you indicate for payment is charged against your account's available balance.

We will not be liable for fees or charges incurred from:

• Payment Date
  • Funds for all online bill payments (whether these payments are made electronically or mailed by check) will be withdrawn from your account's available balance ON THE DAY that the payment is scheduled to be sent to the payee.

• Available Balance
  • Your available balance is the balance according to our funds availability schedule of processing your deposits. You must be certain that there are adequate available funds in your account on the date your bill payment is scheduled.

• Sufficient Funds
  • The account to be charged against a bill payment must have enough money (sufficient funds) to cover the charge on the day the payment is scheduled.

Any payments made with First Montana Bank Online Bill Payment require sufficient time for your payee to receive the payment and credit your account properly. To avoid incurring a finance charge or late fees with your payee, you must schedule a payment sufficiently in advance of the due date of your payment. Fees may apply for expedited payments. Please allow ample time to prevent any late fees or penalties.

• Example: Customer has a monthly car insurance payment due on the 17th of each month. (S)he knows that the minimum advance time to schedule a bill payment is at least 7 and up to 10 business days, prior to the due date. Customer's car insurance billing address is in Montana so (s)he schedules the payment for the 8th of the month (7 business days in advance of the due date). (S)he also has a credit card payment due on the 17th of each month. This credit card company is a national company with an out of state billing address. Therefore, (s)he schedules the payment for the 5th of the month (10 business days in advance of the due date). This way (s)he is allowing ample time for processing and mailing. Please refer to the calendar feature within Online Bill Pay for more information regarding anticipated mailing schedules.

If you have scheduled an online bill payment in a timely manner (as described above) to an accepted payee and the payment is not paid on time, or in the correct amount, First Montana Bank will bear responsibility for late charges subject to the eight (8) exceptions listed below.

It is the policy of First Montana Bank to put forth our best efforts to make sure all your payments are processed accurately and timely. However, First Montana Bank shall incur no liability if it is unable to complete any payments initiated by you via Online Bill Pay due to the existence of one or more of the following circumstances:

1. Sufficient funds are not available in your checking account to complete the payment. Payments are charged against available balance per our funds availability schedule;
2. You know or have been advised by First Montana Bank not to use the First Montana Bank Online Bill Pay system due to a temporary malfunction;
3. Your payee mishandles or delays a payment sent by First Montana Bank;
4. You have not provided First Montana Bank with the correct names or account information, including but not limited to address and account numbers for payees to which you wish to direct payment;
5. You have multiple signers on an account and do not have joint ownership established and conduct an unauthorized payment of bills from the checking account;
6. Circumstances beyond First Montana Bank's control such as, but not limited to, fire, flood, or interference from an outside force prevent the proper execution of the transaction and First Montana Bank has taken reasonable precautions to avoid those circumstances;
7. You instruct First Montana Bank to make a payment to one of the prohibited payees;
8. You schedule your payment due date to be during the grace period for that merchant/payee. First Montana Bank will not be responsible for any late fees associated with payments which have scheduled payment dates less than 7 days before the due date on the bill. This is the case even if the payee allows a grace period. You may schedule payments during the grace period, but any late charges associated with payments scheduled as such will be your responsibility regardless of the cause of the late payment.

Fees may be incurred for expedited payments. The checking account used to fund the bill payments will be charged any Online Bill Payment fee(s). If you use more than one account to pay bills, each account will be charged the applicable fee(s). If you elect to discontinue the service, please notify your local branch.

The First Montana Bank Agreement definition of "You" means each signer on an account. The terms of the Agreement extend to all signers on the account(s) you are accessing with Online Banking. The same applies to the Online Bill Payment responsibilities. Each Online Bill Pay user can consist of single or joint signers of an account. However, if you have multiple signers on an account you must have joint ownership of the account in order to use the account with Online Bill Pay. Joint owners share the same payee list (when using Online Bill Pay), and are subject to the joint tenancy rules contained in the "Account Terms and Conditions" disclosure agreements for that checking account. Any account owner may discontinue or cancel service and any owner may authorize transfers to or from the joint account.

Each customer (signer on account) is assigned a unique First Montana Bank Online Banking password. Because joint signers on an account share the responsibilities with all signers on the account, the terms and conditions of this Agreement apply to all signers.

Passwords are unique to each user accessing Online Banking. For joint and multiple signer accounts, each signer is assigned a unique Access ID and password and is responsible for the confidentiality of their individual Access ID and password. Access IDs and passwords must never be compromised or shared with any other person or signer on an account.

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 Online Banking are considered by the federal government as electronic "telephonic" transfers and considered "third party transfers" and may be 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.

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. Contact us regarding any of your other accounts that may also be applicable to 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 may vary by branch, but are not earlier than 4:00 PM Mountain Time.

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.

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 (5) business day after the day of your deposit. The first $225 of your deposits, however, may be available on the first (1) business day after the day of your deposit.

If we will not make all of the funds from your deposit available on the first (1) business day after we receive your deposit, we will notify you at the time you make your deposit. We will inform 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 (1) business day after we receive your deposit. If you require funds from a deposit right away, you should inquire when the funds will be available at the time of your transaction.

1. We believe a check you deposit will not be paid,
2. You deposit checks totaling more than $5,525 on any one day,
3. You attempt to redeposit a check that has been returned unpaid,
4. You have overdrawn your account repeatedly in the last six (6) months, or,
5. There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will inform you when the funds will be available. Funds will generally be available no later than the eleventh (11) business day after the day of your deposit.

1. Funds from electronic deposits into your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, travelers, or federal, state and local government checks will be available on the first (1) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may need to use a special deposit slip). The excess over $5,525 will be available on the ninth (9) business day after the day of your deposit. If your deposit of checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2) business day after the day of your deposit.
2. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

First Montana Bank Online Bill Pay Regulation E "Electronic Funds Transfer Act" (EFT) Error Resolution Applicability:

First Montana Bank's Online Bill pay provider may process payments via electronic funds transfer methods or via check, draft, or similar paper instrument. Only electronic funds transfers (EFT) transactions on a consumer purpose account would fall under the provisions of the Federal Reserve Board's Regulation E ("Electronic Funds Transfer Act").

The following Regulation E ("Electronic Fund Transfer Act") disclosure was provided to you when you opened an account that may have electronic transactions conducted (i.e. ATM or Debit Card or Automatic Deposit). This disclosure is also provided in this Agreement to inform you how to contact us in the event you detect an error has occurred when viewing your account(s) transaction statements while viewing online through Online Banking. When viewing accounts, or conducting transfers from one account to another, the accounts are real time. This means that deposits and transactions that occurred prior to your viewing should be reflected in Online Banking. However, some transactions such as a transfer from checking account to pay down an Overdraft Protection line, loan payments, advances or a transaction completed at an ATM may not reflect until the 24-hour update has occurred on our account processing system.

In case of errors or questions about your electronic transfers, contact us in the manner outlined in the Communicating with Us section of this Agreement. It is your responsibility to inform us as soon as possible if you think your statement or receipt is incorrect or if you need more information about a transfer listed on your statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.

When contacting us regarding an error:

1. Tell us your name and account number (if any).
2. Describe the error or the transaction you are unsure about, and explain as clearly as possible why you believe there is an error or why you require more information.
3. Provide the dollar amount of the suspected error. If you contact us verbally or in person, we may require you also provide your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you (five (5) business days if the transfer involved a point-of-sale transaction with a MasterCard logo, and twenty (20) business days if the transfer involved a new account). We will work to promptly correct any error. If we require more time, we may take up to forty five (45) days to investigate your complaint or question (ninety (90) days if the transfer involved a new account, a point-of-sale transaction with a MasterCard logo, or a foreign initiated transfer). If we decide to take additional time, we will credit your account within ten (10) business days (five (5) business days if the transfer involved a point-of-sale transaction, and twenty (20) business days if the transfer involved a new account) for the amount you believe is in error, to allow use of the funds during the time it takes us to complete our investigation. If we request you provide your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. An account is considered a new account for thirty (30) days after the first deposit is made.

We will inform you of the results within three (3) business days after completing our investigation. If we determine there was no error, we will send you a written explanation. You may request copies of the documents that were used in our investigation.

Notify us at once if you believe your code, password, PIN, or card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from a personal check. You may lose all the money in your account (plus your maximum overdraft line of credit). If you notify us within two (2) business days after you learn of the loss or theft of your card or code, and someone used your card or code without your permission, you may lose no more than $50. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your card or code, and we are able to prove you could have prevented someone from using your card or code without your permission if you had notified us, you may lose as much as $500.

If your statement displays transfers that you did not make, including those made by card, code or other means, notify us immediately. If you do not notify us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have prevented someone from taking the funds had you notified us in time. If a valid reason (such as a long trip or hospital stay) or extenuating circumstance prevented you from notifying us, we may extend the time period.

You must acknowledge that you have read, understand and agree to the terms, conditions, provisions, rules and policies disclosed under this Agreement prior to your first attempt to access your accounts online.

• Prearranged Transfers

• Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking and/or savings account(s).
   
• Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking and/or savings account(s).

• Telephone Transfers

• You may access your account(s) by telephone at 1-800-442-4970 using a touch-tone phone and your personal identification number (PIN) to transfer funds from checking to savings, transfer funds from savings to checking, transfer funds from checking to checking, transfer funds from savings to savings, make payments to loan accounts with us, make payments from savings to loan accounts with us, access checking account(s) information, access savings account(s) information, access loan account information.

• ATM Transfers
  • o    You may access your account(s) by ATM using your First Montana Bank ATM Card or MasterCard Debit Card and personal identification number (PIN) to make cash withdrawals from checking accounts (you may withdraw no more than $305 (ATM card)/$505 (debit card) per day), make cash withdrawals from savings accounts (you may withdraw no more than $305/$505 per day), transfer funds from savings to checking, transfer funds from checking to savings, access checking account(s) information, access savings account(s) information.

• Point-Of-Sale Transactions
  • You may use your MasterCard Debit Card to access your checking account(s) to purchase goods or services in person, by phone, or online; receive cash back from a merchant (if the merchant permits), withdraw cash from a participating financial institution; or other activities as accepted by the merchant and issuer.
  • You may not exceed more than $1,000.00 in transactions per day for PIN based transactions.
  • You may not exceed more than $1,000.00 in transactions per day for signature based transactions.

• Online Transfers
  • You may access your account(s) online with an Access ID and password to transfer funds between First Montana Bank accounts, make a payment to your First Montana Bank loan, access account information, access transaction history, and access bank statements, view images of your checks and deposit slips, and access Online Bill Pay.

• Electronic Funds Transfers Initiated By Third Parties
  • You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or recurring payments as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you approve the transaction (at the point of purchase, merchants are required to post a sign and may also print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and financial institution information; this information can be found on your check or you may contact the Bank for this information. You should only provide your financial institution and account information to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:
  • Electronic Bank Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or bills. You may make payments by electronic check from a merchant.
  • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. You may make electronic payment of charges for checks returned for insufficient funds from merchants.
     
• General Limitations
  • In addition to those limitations on transfers elsewhere described, the following limitations apply:
  • Transfers or withdrawals from a Money Market Savings and Savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party, may be limited to six (6) per month. If you exceed the transfer limitations set forth above, your account may be subject to closure.

• Terminal Transfers: You may obtain a receipt at the time you make a transfer to or from your account using an automated teller machine (ATM). You may not receive a receipt if the amount of the transfer is less than $15.
• Preauthorized Credits: If you have arranged for direct deposits to be made to your account at least once every sixty (60) days from the same person or company, you may contact us to confirm the deposit has been made.
• You will receive a monthly statement from First Montana Bank.

1. Where it is necessary for completing transfers,
2. To verify the existence and condition of your account for a third party, such as a credit bureau or merchant,
3. To comply with government agency or court orders, or
4. If you provide written permission as explained in our Privacy Policy and Disclosure.

Please read this Federal Electronic Signatures in Global and National Commerce Act ("E-SIGN") Disclosure and Consent carefully and keep a copy for your records.

You have the right to receive this disclosure in paper form. Please notify the Bank to receive this disclosure in paper form by contacting us in person, in writing, via email as directed in the "Contact Us" section of our website, or via telephone at 1-800-824-2692. You may withdraw your consent to receive disclosures electronically at any time. Your consent applies only to the enrollment of online banking and/or online bill payment and/or electronic statements. To withdraw your consent to receive disclosures electronically, please contact the Bank in the manner indicated above, and include your updated physical contact information. If you withdraw your consent to receive disclosures electronically, you may be charged a $2 per month paper statement fee. If you have consented to receive disclosures electronically and determine that a paper copy is required, contact the Bank in the manner indicated above. You may incur a $2 interim statement fee and/or account research fees depending on the nature of your request.

To receive disclosures electronically, you must have the following:

• A personal computer or other device capable of accessing the Internet,
• A valid email address,
• A web browser capable of supporting 128-bit SSL encrypted communications, and,
• Supported software that allows access to Portable Document Format (PDF) files.

The Bank may treat an invalid email address, the malfunction of a previously valid email address, or cancellation of online banking as a withdrawal of your consent to receive disclosures electronically.

It is your responsibility to provide the Bank with a true, accurate and complete email address and other information related to this disclosure and your account(s), and to maintain and update promptly any changes to this information. You can update such information by contacting the Bank in the manner indicated above.

Alerts. Your enrollment in First Montana Bank Online Banking and/or Mobile Banking (the "Service") includes enrollment to receive transaction alerts and notifications ("Alerts"). Alerts are electronic notices from us that contain transactional information about your First Montana Bank account(s). Alerts are provided within the following categories:

• Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
• Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
• Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the Manage Alerts menu within First Montana Bank Online Banking and Manage Alerts menu within First Montana Bank Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. First Montana Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your First Montana Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop Alerts via text message, text "STOP" to 99588 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in First Montana Bank Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 800-824-2692Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. First Montana Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside First Montana Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold First Montana Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

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