Terms & Conditions

BUSINESS BILL PAYING AGREEMENT/TERMS & CONDITIONS

As of February 1, 2012 there is no longer a monthly fee for Business Bill Pay. The first 10 payments (check or electronic) are free and each subsequent payment is $0.50 per payment per month. Please notify your local bank if you do not intend to use the service to avoid further service charge fees.

This is your bill paying agreement with First Montana Bank. You may use First Montana
Bank's bill paying service, Business E-Pay, to direct First Montana Bank make payments
from your designated checking account to the Payees you choose in accordance with this
agreement. The terms and conditions of this Agreement are in addition to the Account
agreements, disclosures and other documents in effect from time to time governing your
Account (the Account Rules).

"Financial Institution" means First Montana Bank. "You" or "your" means each person who is
authorized to use the service. "Payee" means anyone, including the Financial Institution, you
designate and the Financial Institution accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

Complete a bill paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE, USE “SET UP
ACCOUNTS/PAYEE” ON THE INTERNET OR SPEAK TO A SERVICE REPRESENTATIVE. You
may add a new fixed payment to a Payee, only if the Payee is on your authorized list of
payees, and by accessing the Service and entering the appropriate information. Most other
additions, deletions, or changes can be made in writing or by using the Service. The
Financial Institution reserves the right to refuse the designation of a Payee for any reason.
Each Payee accepted by the Financial Institution will be assigned a payee code. You may
pay almost any payee you wish. There are several restrictions 1) the merchant must be
located in the United States 2) Payments may not be remitted to tax autorities or
government and collection agencies 3) Payments may not be remitted to security
companies, such as Ameritrade for stock purchases or trade taxing authorities and 4) Court
directed payments are unauthorized (Alimony, child support or other legal debts). Don't
forget you can use this system to send payments to your son/daughter in college, pay your
local orthodontist, credit cards, charitable donations, etc. A merchant is defined as anybody
(company or individual) to whom you want to send money.

The Financial Institution is not responsible if a Bill Payment can not be made due to
incomplete, incorrect, or outdated information provided by you regarding a Payee or if you
attempt to pay a Payee that is not on your Authorized Payee list.

ACCESSING THE SERVICE

When you complete your bill paying enrollment form, you will select a USER I.D. and
Personal Identification Number (PIN). The Financial Institution will make every effort to
accommodate your request. Each time you access the Service, you will be asked to enter
your USER ID AND PIN. Correct responses will give you access to the Service.

FEDERAL E-SIGN ACT DISCLOSUE AND CONSENT

You have the right or option to have this disclosure provided in paper form. Please notify the bank to receive this notice in paper form by contacting us in person, via email or in writing as directed in the “Contact Us” section of our home page. You can withdraw your consent to receive disclosures electronically at any time. Your consent applies only to the enrollment of online banking and/or bill payment and/or eStatements. To withdraw your consent to receive disclosures electronically, please contact the bank in the manner indicated above, please include any updated contact information for you, including electronic contact information. To receive an electronic copy of disclosures, you must have a personal computer or other device capable of accessing the Internet, a web browser capable of supporting 128-bit SSL encrypted communications, and software which permits you to access PDF files. If you have consented to receive disclosures electronically and determine that a paper copy is required, please contact the bank in the manner indicated above. We may treat your provision of an invalid email address or the subsequent malfunction of a previously valid email address or cancellation of our online banking product as a withdrawal of your consent to receive electronic statements.



THE BILL PAYING PROCESS

Single Payments

A single payment will be processed on the business day (generally Monday through Friday,
except certain holidays) that you designate as the payment’s process date, provided the
payment is submitted prior to the daily cut-off time on that date. The daily cut-off time,
which is controlled by the financial institution, is currently 2:00 PM MST. A single payment
submitted after the cut-off time on the designated process date will be processed on the
following business day. If you designate a non-business date (generally weekends and
certain holidays) as the payment’s process date, the payment will be processed on the first
business day following the designated process date.

Recurring Payments

When a recurring payment is processed, it is automatically rescheduled by the system.
Based upon your selected frequency settings for the payment, a process date is calculated
for the next occurrence of the payment. If the calculated process date is a non-business
date (generally weekends and certain holidays), it is adjusted based upon the following
rules: If the recurring payments “Pay Backward” option is selected, the process date for the
new occurrence of the payment is adjusted to the first business date prior to the calculated
process date. If the recurring payment’s “Pay Backward” option is not selected (or if
the “Pay Backward” option is not available), the process date for the new occurrence of the
payment is adjusted to the first business date after the calculated process date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as
a particular day of the month for processing and that day does not exist in the month of the
calculated process date, then the last calendar day of that month is used as the calculated
process date.

For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS,
PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid west
subscribers, allow 7 days and for West Coast subscribers, allow 8 days.) Any bill payment
can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off
time on the business day prior to the business day the bill payment is going to be initiated.

You agree to have available and collected funds on deposit in the account you designate in
amounts sufficient to pay for all bill payments requested, as well as, any other payment
obligations you have to the Financial Institution. The Financial Institution reserves the right,
without liability, to reject or reverse a bill payment if you fail to comply with this
requirement or any other terms of this agreement. If you do not have sufficient funds in the
Account and the Financial Institution has not exercised its right to reverse or reject a bill
payment, you agree to pay for such payment obligations on demand. You further agree the
Financial Institution, at its option, may charge any of your accounts with the Financial
Institution to cover such payment obligations. The financial institution reserves the right to
change the cut-off time. You will receive notice if it changes.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your Personal
Identification Number (PIN). You are liable for all transactions you make or that you
authorize another person to make even if that person exceeds his or her authority. If you
want to terminate another person's authority, you must notify the Financial Institution and
arrange to change your PIN. You will be responsible for any Bill Payment request you make
that contains an error or is a duplicate of another Bill Payment. The Financial Institution is
not responsible for a Bill Payment that is not made if you did not properly follow the
instructions for making a Bill Payment. The Financial Institution is not liable for any failure to
make a Bill Payment if you fail to promptly notify the Financial Institution after you learn
that you have not received credit from a Payee for a Bill Payment. The Financial Institution
is not responsible for your acts or missions or those of any other person, including, without
limitation, any transmission or communications facility, and no such party shall be deemed
to be the Financial Institution's agent. In any event, the Financial Institution will not be liable
for any special, consequential, incidental, or punitive losses, damages, or expenses in
connection with this Agreement or the Service, even if the Financial Institution has
knowledge of the possibility of them. The Financial Institution is not liable for any act, failure
to act or delay in acting if it is caused, in whole or in part, by any cause beyond the
Financial Institution's reasonable control.

Amendment and Termination

The Financial Institution has the right to change this Agreement at any time by notice mailed
to you at the last address shown for the Account on the Financial Institution's records, by
posting notice in branches of the Financial Institution, or as otherwise permitted by law.

The Financial Institution has the right to terminate this Agreement at any time. You may
terminate this Agreement by written notice to the Financial Institution. The Financial
Institution is not responsible for any fixed payment made before the Financial Institution has
a reasonable opportunity to act on your termination notice. You remain obligated for any
payments made by the Financial Institution on your behalf.

Fees – As of February 1, 2012, there is no longer a monthly fee for Business Bill Pay. The first 10 payments (check or electronic) are free and each subsequent payment is $.50 per payment per month. Please notify your local bank if you do not intend to use the service to avoid further service charge fees.


Additional Charges for Customer requested Services and Other Items:

These charges will only be assessed if you request one or more of the services listed here.
There will be NO Charge for any item if needed to correct a Financial Institution error.

Written Correspondence to Payee: $10.00
Per proof of Payment not necessitated by a dispute: $10.00
Payments returned due to customer error: $5.00

Expedited Payment Fees will include:
Overnight Fee: $14.95
2nd Day Fee: $9.95
Reinstate Fee: $50.00

Gift Pay Fees will include:
Gift Check: $2.95
Charitable Donations Fee: $1.95

The Financial Institution reserves the right to charge you for research time involving
payments no longer available in your screen history. You will be informed of any such
charges before they are incurred.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic
Fund Transfers disclosure Statement included, or, received when you opened your account,
which discloses important information concerning your rights and obligations.

Liability of Consumer
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 charges. You authorize us to deduct these charges directly from the 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.

Documentation
• Terminal Transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine. You may not get a receipt if the amount of the transfer is $15 or less.
• Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can tell us at the telephone number listed below to find out whether or not the deposit has been made.
• In addition, you will receive a monthly account statement from us. For questions call 1-800-824-2692
Confidentiality
We will 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. If you give us written permission as explained in the separate Privacy Disclosure.
Error Resolution Notice
In Case of Errors or Questions About Your Electronic Transfers telephone us at 1-800-824-2692, or in writing as directed on the “Contact Us” section of our home page, or contact your local branch 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 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 after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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 complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

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.

b) Error resolution notice on periodic statements. In Case of Errors or Questions About Your Electronic Transfers telephone us at 1-800-824-2692, or in writing as directed on the “Contact Us” section of our home page, or contact your local branch 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 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.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your
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.