1. INTRODUCTION AND DEFINITIONS
By clicking on the "I ACCEPT" button, you agree to this electronic method of application. This Online Banking Agreement states the terms and conditions for accessing your Oregon Trail Bank accounts via the Oregon Trail Bank E Bank. In this agreement, the term "E Bank" refers to the internet banking service provided by The Oregon Trail Bank for use to access and view accounts within the bank via personal computer. The terms "you", "your", and "yours" refer to the person(s) or business who holds and signs on an account with The Oregon Trail Bank and wishes to use E Bank. The words "bank", "we", "our", and "us" refer to The Oregon Trail Bank. The term "business days" mean Monday through Friday, excluding Saturday, Sunday and Federal Banking Holidays. The term "account" means checking, savings, certificate of deposit, loan, or money market account that you have with us for personal, family, or household use maintained at The Oregon Trail Bank.

The term "transfer" means any electronic banking transaction, including a deposit, or withdrawal made electronically. The term “bill payment” means our service offered through E Bank that allows you to pay or transfer funds to designated payees based on your instructions transmitted to us via personal computer. The term “payee” means any individual or business entity that you wish to be the recipient of an above designated bill payment. Each of your accounts at The Oregon Trail Bank is also governed by the conditions outlined in the "Account Plans and other Services" Brochure.

This agreement will be governed by and interpreted in accordance with federal regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of Wyoming. This agreement contains the entire agreement between bank and you with respect to matters covered herein. No other agreement, statement, or promise, by any employee or officer of the bank that is not signed and in writing is not binding. Please be sure you have carefully read and understand this document before proceeding to login to E Bank. Your initial login to the Oregon Trail Bank's E Bank acknowledges your receipt of this document and confirms your acceptance and adherence to the following terms and conditions.

2. E BANK ACCESS REQUIREMENTS
To use E Bank, you must have at least one Oregon Trail Bank account, access to Internet Service with the approved Internet Browser software with 128-bit encryption, and have completed and signed the bank provided enrollment form. At the time you enter into this agreement, you must have an e-mail address with an Internet Service Provider (ISP). We will confirm your e-mail address provided by you to us by forwarding an e-mail to you with a confirmation of enrollment. Should your e-mail address change you agree to notify us at once of the change. If you do not notify us, you will hold us harmless from any consequences, including financial loss, resulting from your failure to notify us of the change.

You are solely responsible for the equipment you use to access E Bank. This includes your personal computer, modems, or any software you may need to access the internet. We are not responsible for errors or delays or your inability to access E Bank caused by your equipment. We are not responsible for the cost of upgrading your equipment to use E Bank nor are we responsible for errors or failures from any malfunction of your equipment or any virus or other problems related to the use of E Bank which includes but is not limited to damage to your equipment or any data contained on it. We are not responsible for any loss, damage, or injury resulting from an interruption of your electrical power or telephone service; or the disconnecting of your telephone line by a telephone company or from deficiencies in your line quality.

3. ENROLLMENT
Before using this service, we will require each user to complete the enrollment form that is on this website. E Bank usage can consist of single use (one person) or joint use (several persons). Each person seeking access to E Bank must be a signer on the account which is to be accessed. Accounts that have prearranged restrictions such as more than one signature for withdrawal may not register for E Bank. We reserve the right to deny, restrict, or otherwise terminate the E Bank to individuals or businesses that frequently misuse or violate the terms and conditions of this agreement as well as any other bank established terms and conditions.

4. SERVICES AND BENEFITS AVAILABLE USING E BANK
If you have multiple accounts at the bank, you may inquire on any or all of the following types of accounts using E Bank: Checking and Money Market Accounts, Statement Savings Accounts, Certificates of Deposit, Individual Retirement Accounts, Consumer Loans, Line of Credit Accounts, and Mortgage Loans. The Oregon Trail Bank offers many options that vary by account type. The following shows the services that may be available to you depending upon your account:

The above noted services may also be further restricted by your individual account agreements that were provided to you upon opening of your particular account.

Account Balances and History
E Bank provides balance and transaction information to you as of the close of business the preceding day. Occasionally, same day electronic credits and debits will also be available for viewing and reflected accordingly in your balance at the time of your request. Please be advised that your balance and transaction history may be updated and changed periodically throughout the day. The balance shown may differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals, payments, or charges.

Transfers
Transfers can be made from any accounts that do not require more than one signature to make withdrawals. Transfers can be processed between accounts that share one common owner. We reserve the right to limit the frequency and dollar amount of transactions on your accounts for security reasons.

When you schedule a transfer using E Bank, you authorize us to withdraw the necessary funds from your specified account with us and deposit them in another specified account with us. We may refuse to act on your instructions if sufficient funds, including funds on your Personal Reserve Line of Credit, are not available in your account on the date you want us to process your transfer. We are able to process a transfer request on the same business day provided we receive your instructions before 5:00 PM Mountain Time on a valid business day.

Transfer requests received after the designated cut-off time or on a non-business day or Federal Holiday will be processed the next business day. If you preschedule a transfer for a future date, we will charge the appropriate account for the amount of your transfer on the day you request the transfer as well as a credit to the account that is to receive the credit. If the date that you schedule a transfer falls on a non-business day or a Federal Holiday, we will process your instructions the next business day. If your account does not have sufficient available funds to cover a scheduled transfer you request, you understand that an overdraft may result. When checking your account for a sufficient available balance, the bank prioritizes electronic transfers that involve preauthorized currency disbursements, such as Visa Check Card and ATM transactions, first; over-the-counter cashed checks, second; transfer requests, third; and inclearing checks and other preauthorized debits, fourth. Should there be insufficient funds available to process your transfer request, we will attempt to process the transfer each morning for two additional business days until a) the available balance in your account is sufficient to process the transfer, or b) you cancel the transfer following the online instructions using E Bank. After two unsuccessful attempts at processing your requested transfer, we will cancel the transfer accordingly. Should an overdraft occur in the interim, other items may be returned or paid with appropriate overdraft charges being assessed to your account as outlined in the brochure "Account Plans."

To cancel a scheduled transfer that you have established using E Bank, you must cancel the transfer by following the online instructions using E Bank before 5:00 PM Mountain Time on the business day before the payment is scheduled to be charged to your account. In some instances, you may be able to cancel a scheduled transfer on the same day that the transfer is to be charged to your account. If you choose to cancel a transfer the same day it is scheduled to be charged, you must follow the online instructions using E Bank and cancel the transfer before 5:00 PM Mountain Time. Because the transfer hold was already placed on your account, your ability to use those funds held for the transfer in your account will be restricted until the next business day. Once the transfer has been charged to your account, you may not stop or cancel a transfer.

5. TRANSFER LIMITATIONS
Your ability to transfer funds between certain accounts is limited by Federal Law, as stated by your deposit agreement with The Oregon Trail Bank. For example, you can make no more than six (6) transfers from a savings or money market account during each statement period, and, in the case of a money market account, no more than three (3) of such transfers can be made by check, draft, or similar order made by you and payable to third parties. Transfers made using E Bank are counted against the permissible number of transfers, as are the other transfer methods described in your account agreement with The Oregon Trail Bank. If an uncollected funds hold is 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. The bank reserves the right to limit the frequency and dollar amount of transactions from your accounts for security reasons.

6. NEW SERVICES
Occasionally, The Oregon Trail Bank will change, expand or otherwise enhance products and services offered online. We will update this online banking agreement accordingly and notify you of such change by mail or electronic message. By using E Bank following the effective date of any change, you agree to be bound by the amended terms of the revised agreement.

7. USING THE BILL PAYMENT SERVICE
You may use E Bank to electronically schedule payments in US Dollars to any third party merchant or individual that receives payments in the continental United States. You must designate a personal checking account with us to use as payments to a maximum of $5,000 per payee, per day not to exceed the amount of available funds in your account.

When you schedule a bill payment using the bill payment feature of E Bank, you authorize us to withdraw the necessary funds from your bill payment account with us. We may refuse to act on your instructions if sufficient funds, including funds on your Reserve Line of Credit, are not available in your bill payment account on the date you want us to process your payment.

When you request that a bill payment be made, you must also provide us with the complete name of the payee; the account number; the payee’s remittance address and phone number for bill payments, all exactly showing on the billing statement or invoice’ the amount of the payment; and the date you want the payment to be charged to your account.

Please be aware that some payees receive their payments at a different address than you provide to us. In these instances, the payee may return the payment to us with corrected instructions. We reserve the right to resubmit your payment using the payees corrected instructions. Should our good faith attempts to resubmit your payment fail, we will recredit your account for the amount of the payment and advise you accordingly. You assume full responsibility for supplying us with the correct bill payment information, and agree that the bank in no way is liable for your losses or damages in relation to missing, erroneous, or incomplete bill payment information.

8. SCHEDULING BILL PAYMENTS
We are able to process a bill payment request on the next business day provided we receive your instructions before 5:00 PM Mountain Time on a valid business day. Bill payment requests received after the designated cut-off time will be processed on the next business day.

We will charge your account for the amount of your bill payment on the day you request the payment to be charged. If the date that you schedule a payment falls on a non-business day or a Federal Holiday, we will process your instructions and deduct the payment on the next business day.

In order for your payments to arrive on time, you must schedule your payments to be processed at least seven business days before the payment due date. In most circumstances, this will allow your payment to reach the intended payee and be posted to your account with the payee in a timely fashion. You agree and understand that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party such as the failure of the bill payment payee to properly post a payment to your account. In rare instances, a payee you designate may not accept bill payments or may not process bill payments from us in a timely manner. In these cases, we may choose not to make payments to such payees and advise you accordingly.

If your account does not have sufficient available funds to cover a bill payment you request, you understand that an overdraft may result. When checking your account for a sufficient available balance, the bank prioritizes electronic transfers that involve preauthorized currency disbursements, such as Visa Check Card and ATM transactions, first; over-the-counter cashed checks, second; transfer and bill payment requests, third; and inclearing checks and other preauthorized debits, fourth. Should there be insufficient funds available to process your payment request, we will attempt to process the payment each morning for two additional business days until a)the balance in your account is sufficient to process the payment, or b) you cancel the payment following the online instructions using E Bank. After two unsuccessful attempts of processing your requested payment, we will cancel the payment accordingly. Should an overdraft occur in the interim, other items may be returned or paid with appropriate overdraft charges being assessed to your account as outlined in the brochure “Account Plans and Other Services”.

9. PROCESSING BILL PAYMENTS
Bill payments are processed either electronically or by bank check. Electronically processed payments are sent directly to the payee’s bank for further credit to your account with the payee. These types of electronic payments are received by the payee within three to five business days. Bill payments may also be made by bank check. In this case, we will act on your payment instructions by generating a bank check and mailing it via The United Sates Postal Service. These types of payments are received by the payee within five to seven business days.

10. CANCELLING BILL PAYMENTS
To cancel a bill payment that you have scheduled through E Bank, you must cancel the payment by following the online instructions using E Bank before 5:00 PM Mountain Time on the business day before the payment is schedule to be charged to your account. In some instances, you may be able to cancel a bill payment on the same day that the payment is scheduled to be charged to your account. If you choose to cancel a bill payment the same day it is scheduled to be charged, you must follow the online instructions using E Bank and cancel the payment before 5:00 PM Mountain Time. Because a bill payment hold is already placed on your account, your ability to use those funds held for the payment in your account will be restricted until the next business day. Once the bill payment has been charged to your account, you may not stop or cancel a bill payment.

11. FEES AND CHARGES
You agree to pay the fees and charges for use of E Bank as set forth in the current fee schedule. You agree that all such fees and charges will be deducted from your bank checking account designated as your primary account as noted on your enrollment form. If you close your primary checking account, you must contact us immediately to designate another account as your primary checking account. You agree to pay any additional reasonable charges for services you request that are not covered in this agreement that includes but is not limited to hourly research charges, overdraft charges, or stop payment charges. You are solely responsible for telephone and internet service fees you incur in connection with using E Bank. Currently, E Bank is available to all personal account holders at no cost. Current charges for Bill Pay service is $5.00 per month for unlimited Bill Pay requests.

12. THE USER ID AND PASSWORD
Your initial USER ID and PASSWORD will be randomly assigned by the bank. Your USER ID will NOT change, however your PASSWORD is required to be changed the first time you login to E Bank. We will require your new PASSWORD to be a minimum of 4 letters and 1 numbers, up to a maximum of 16 total characters. Please remember that the USER ID and PASSWORD is case sensitive. We strongly discourage using common PASSWORDS (i.e. dates of birth, initials, social security numbers, children and pet names, phone numbers, addresses, etc.) Because this USER ID and PASSWORD can be used to access money in your accounts, you should treat this USER ID and PASSWORD with the same degree of care, secrecy, and common sense that you use to protect other sensitive financial data. Your PASSWORD should be memorized and not written down, and should not be stored or remembered by your browser or any other software. You agree not to give your USER ID and PASSWORD, or make it available, to any other person. Furthermore, you agree to change your PASSWORD once every six months. Under no circumstances will a bank representative contact you via telephone or e-mail and request your USER ID and/or PASSWORD. Should you receive such communication, please ignore the request and advise us accordingly at (307)836-2344. You furthermore agree to promptly examine your monthly bank statement from us in order to detect any unauthorized transactions. If you believe that your USER ID and/or PASSWORD may have been stolen, or unauthorized access has occurred on your account, contact The Oregon Trail Bank at (307)836-2344 at once to report your concerns. We are able to restrict access and change your USER ID and PASSWORD immediately after learning of a suspected security breach.

13. STATEMENTS
You will not receive a separate E Bank Statement. Transfers to and from your accounts will appear on your monthly statement for your bank accounts.

14. INTERNET SECURITY
Although data passed between E Bank and you is encrypted in an effort to provide transmission security, you acknowledge that the internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the internet and potentially can be monitored and read by others. We cannot, and do not, warrant that all data transfers and e-mail messages to and from us will not be monitored by others. Additionally, your internet browser, e-mail, financial or other software, personal computer, or other devices may capture, save, cache, or forward account or personal information delivered by us to you. This information may be captured, saved or cached, on your computer's memory or hard drive or other devices, either within your computer or other devices or within a remote computer through which your computer is networked or communicates with in any means. You agree to hold us harmless from any losses or damages resulting from the unauthorized use or disclosure of this information.

15. E-MAIL MESSAGES
The bank recognizes e-mail as a simple and cost effective method of communication, however requests and inquiries requiring immediate attention should not be sent via e-mail. Similarly, sensitive personal and account information such as account numbers, PASSWORDS, PINS, or Social Security Numbers should not be sent via e-mail. Because an e-mail message may not be reviewed by a bank representative immediately, you must contact the bank via telephone or in person for immediate attention. E-mail messages will not serve as a sufficient method for any requirement imposed on you to provide written notice, nor may e-mail messages be used to place a stop payment on a check, cancel a bill payment, request account transfers, or report lost or stolen banking codes and/or cards.

16. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS
Tell us AT ONCE if you believe your USER ID and or PASSWORD has been lost, stolen, otherwise compromised. Telephoning us is the best and quickest way of keeping your possible losses to a minimum. Otherwise, you could lose all the money in your accounts accessed through E Bank (plus your available balance in your Personal Reserve Line of Credit.)

If you tell us within two business days after you discover that your PASSWORD has been lost or stolen, you can lose a maximum of $50.00 if someone used your PASSWORD without your permission. If you do not tell us within two business days after you learn of the loss or theft of your PASSWORD and we can prove we could have stopped someone from using your PASSWORD without your permission if you had told us, you could lose as much as $500.00. If your statement shows transfers that you did not make or authorize, tell us at once.

If you do not tell us within 60 days after the first paper statement was mailed to you, we will assume it to be correct and consequently you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If you believe your PASSWORD has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at: (307)836-2344. Or write to: Oregon Trail Bank - Post Office Box 219 - Guernsey, Wyoming 82214. If a good reason (such as a hospital stay) prevented you from telling us, we may extend the time periods.

17. OUR LIABILITY FOR FAILURE TO MAKE A TRANSFER or BILL PAYMENT
If we do not complete a transfer or bill payment to or from your account on time or in the correct amount according to our agreement with you, we may be liable for some of your losses or damages. However, we will not be liable:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer or bill payment.
2. If the money in your account is subject to a dispute, legal process, or other encumbrance restricting the transfer.
3. If the transfer would go over the credit limit on your Personal Reserve Line of Credit.
4. If your computer was not working properly when you started the transaction.
5. If the E Bank system or any other electronic funds transfer system was not working or was temporarily unavailable when you started the transaction.
6. If circumstances beyond our control (such as fire, flood, or an Act of God) prevents the transfer, despite reasonable precautions that we have taken.
7. If you commit fraud or violate any law or regulation.
8. If you have not followed the instructions for using E Bank, or have not properly submitted a bill payment or transfer request.
9. There may be other exceptions in our agreement with you.

18. IN CASE OF ERRORS OR QUESTIONS ON E BANK
In case of questions or errors about E Bank Transfers or bill payments using E Bank you should do the following: Visit us during regular business hours, telephone us at (307)-836-2344 or write us at: OREGON TRAIL BANK, POST OFFICE BOX 219, GUERNSEY, WYOMING, 82214 as soon as you can identify why think your statement is wrong, or are able to identify an error or discrepancy with your statement or transaction record, or if you need more information about a transfer or transaction on your statement or transaction record. We must hear from you no later than 60 days after we sent you the first paper statement on which the problem or error appeared. In this communication, you must:

1. Tell us your name and account number.
2. Describe the error or transfer that you are unsure about, and explain clearly as you can as to why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

For a Bill payment item you must also tell us:

1. The specific account number used to pay the bill.
2. The Payee Name.
3. The date the payment was sent.
4. The payment amount.
5. The payee account number for the payment in question.

If you tell us orally, we will require that you send us your inquiry 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 correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your inquiry or question. If we decide to do this, we will credit your account within 10 business days for the amount you believe in error, so that you have use of the money during the time it takes us to complete our investigation. If we ask you to put your inquiry or question in writing and we do not receive it within 10 business days, we may not recredit your account. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation of our findings within 3 business days after we finish our investigation. We will also charge your account the amount that was provisionally credited. You may ask for copies of the documents that we used in our investigation.

19. HOURS OF ACCESSIBILITY
You may use E Bank seven days a week, 24 hours a day, although some or all of E Bank's services may not be available occasionally due to emergency or scheduled maintenance. Should E Bank be unavailable for an extended period of time, we will post such notices on our website, www.oregontrailbank.com

20. TERMINATION
This agreement shall remain in effect until it is terminated by either you or us. You may terminate this agreement by notifying us of your intention to cancel E Bank, by calling us at (307)836-2344 or writing to us at Oregon Trail Bank, Post Office Box 219, Guernsey, Wyoming, 82214. You may terminate this agreement and your participation in E Bank at any time for any reason, including inactivity for a period of six months or if your accounts with the bank are closed. Although we will try to notify you if we exercise our right to terminate this agreement, we are under no obligation to do so. Should you wish to terminate this agreement, you are responsible for canceling all prearranged transfers or bill payments by deleting them from your transfer and payment tables within E Bank. You understand that even though you may terminate your E Bank agreement, transfers and bill payments may already be scheduled to be performed, consequently, we will require at least two business days after your requested termination date to cancel all scheduled and pending transactions. Cancellation of E Bank only applies to E Bank and not to any other accounts with the bank.

21. PRIVACY AND CONFIDENTIALITY
Protecting your financial and personal information is very important to you. As a valued customer of Oregon Trail Bank, it is very important to us as well. The bank has adopted the following "Privacy Policy" to protect your private information and maintain the trust you have placed in us. We have never shared nonpublic personal information except as required by Law and we will continue to protect your privacy.

Categories of Information That We May Collect
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms such as: your name, address, social security number, assets, and income.
• Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.
• Information we receive from a consumer-reporting agency, such as: your creditworthiness and credit history.

Categories of Information That We Disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as required by law.

Disclosure as Permitted by Law
We may disclose all of the information we collect, as described above to service providers and companies that perform marketing services on our behalf (for example-check printing companies).

Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If you ever have any questions or concerns about the integrity of your account information, please contact us.

22. ASSIGNMENT
You may not assign this agreement to any other party. We may assign this agreement or delegate any or all of our rights and responsibilities under this agreement to any third parties.

23. CHANGE IN TERMS
We may change the terms of this agreement at any time upon at least 21 days written notice to you prior to the effective date of any change. If you do not agree to the change, you must notify us prior to the effective date of the change and cancel your access to E Bank.  

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