NEW WEST BANK


ONLINE BANKING AGREEMENT AND DISCLOSURE STATEMENT
 

This agreement together with the Deposit Account Agreement, Your Account Rules and Regulations, Regulation E Disclosure and any
written application for Online Banking, as they may be adopted and/or amended from time to time, serve as our agreement with you
governing your use of Online Banking and your deposit accounts accessed through Online Banking.

When you use Online Banking or authorize anyone else to use Online Banking, you accept and agree to be legally bound by the terms
and conditions of the agreement, to be responsible for all authorized transactions initiated through Online Banking, and to be responsible
for any unauthorized transactions to the extent permitted by law.

Your rights, liabilities, responsibilities for Online Banking fund transfers are governed by this agreement and to the extent applicable, by
the provisions of the Federal Electronic Fund Transfer Act and the Federal Reserve Board’s Regulation E and Colorado Law.

PINs and Passwords
All Online Banking transactions or inquiries must be initiated by use of your NetTeller ID and your password. We will assign you a
NetTeller ID after we have accepted your application. The first time you sign on to Online Banking you will be required to select a new
PIN or password. We suggest you change your PIN or password from time to time.

Your password or PIN is used to access your accounts. You should treat it as you would any other sensitive personal data. Because
your password or PIN serves as the principal security measure for access to your accounts, you agree that you will not make your
password or PIN available to any unauthorized person. If you make your PIN or password available to anyone, either intentionally or
negligently, you authorize that person to access your accounts through Online Banking and to give us instructions relating to your
accounts. You also authorize us to comply with such instructions.

Notify us immediately if your PIN or password has been lost or stolen. If your statement shows unauthorized transfers, notify us within sixty (60) days after the statement is mailed to you or viewed on your computer.

Accounts Accessible
Subject to approval, you may designate the accounts you wish to access through Online Banking. You must be an owner or co-owner on the account, or be designated by an owner or co-owner on the account.

If any of your accounts has co-owners, each owner will be jointly liable for any obligation from use of Online banking to access accounts. This liability shall extend to any line of credit accessed through any account.

Overdraft
If your use of Online Banking results in an overdrawn account, you agree to make immediate payment to us in the amount of the overdraft, with any related service charges.

Account Transfers
You may transfer funds between the following accounts:

• Checking to checking, loan, savings or overdraft protection account.
• Savings to checking, loan, savings or overdraft protection account.

Transfer instructions received after 3:30pm MT will not be processed until the next business day. For purpose of this disclosure, our business days are Monday through Friday. Holidays and weekends are not included.

According to Federal regulations, you may not make more than six (6) pre-authorized or automatic transfers from a savings or money market account during a statement cycle.

Balance Inquiries
Shown balances of accounts may include deposits subject to verification by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges.

Limitation of Warranty and Liability
We will incur no liability if we are unable to complete any of your transfers because of the Internet or communication line interruptions or failures. We make no promises that Online Banking will be uninterrupted or free from error. If such an event may occur, our sole responsibility will be to use reasonable efforts to resume services.

In no event shall New West Bank be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way out of the installation, use or maintenance of any computer equipment, or the use of the Online Banking service.

The Bank will not be liable if any of the following occurs

We will disclose information to third parties about your account(s) or transfers if it is necessary for completing transfers or investigating and resolving errors involving transfers, to combat fraud, and to comply with government agency or court orders.

The Bank cannot monitor any signature restrictions or any other type of restrictions on your account via Online Banking.

We reserve the right to refuse Online Banking to anyone.

Virus Protection
We are not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

Termination
Unless otherwise required by applicable law, New West Bank may terminate this Agreement and/or your access to any Online service through Online Banking, in whole or in part, at any time.

Stop Payment Procedure
If you have told us in advance to make regular payments or transfers out of your account, you can stop any of these payments or transfers, however we require you to call us at 970-378-1800 or write us at: New West Bank 3459 W 20th Street, Suite 114 Greeley, CO 80634 in time for us to receive your request three business days or more before the payment is scheduled to be made. We will charge you a fee for each stop payment order as disclosed on the Fee Schedule.

All account Rules and Regulations that you received when opening your account(s) still apply.

MEMBER FDIC

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