ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

This Electronic Fund Transfer disclosure does not apply to any accounts other than consumer accounts as defined by Regulation E.

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Funds Transfers Initiated by Third Parties. You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payments may be one-time occurrences or may recur 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. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and bank information. This information can typically be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to:

• Preauthorized credits. You may make arrangements for certain employer deposits (such as U.S. Treasury (Social Security) or some employer (payroll) to be accepted into your checking or savings accounts(s).
• Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings accounts(s).
• Electronic check conversion. You may provide your check to a merchant or service provider who will scan the check for the encoded bank and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check by other means such as by mail or drop box.
• Electronic returned check charge. Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.

Day & Night Telephone Banking - types of transfers - You may access your account by telephone 24 hours a day at 888-752-3341 (in Montana), 888-752-3343 (in Wyoming), or 866-405-1157 (in South Dakota) using your personal identification number, a touch tone phone and your account number, to:

• transfer funds from checking to checking or savings
• transfer funds from savings to checking or savings
• transfer funds from line of credit to checking or savings
• get information about:
  • the account balance of checking or savings account(s)
  • deposits to checking or savings accounts
  • withdrawals from checking or savings accounts

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

Temporary limitations on Telephone Transfers.

This service is not available until your identity is verified. Once your identity has been verified, any limits disclosed to you will apply.

ATM Transfers - types of transfers and dollar limitations - You may access your accounts (s) by ATM to:

• make deposits to checking or savings account(s)
• get cash withdrawals from checking or savings accounts(s)
  • you may withdraw no more than $300.00 per day using your ATM card and personal identification number, if there are sufficient funds in your account
  • you may withdraw no more than $1,000.00 per day using your VISA® Check Card and personal identification number, if there are sufficient funds in your account
• transfer funds from savings to checking account(s)
• transfer funds from checking to savings account(s)
• get information about:
  • the account balance of checking or savings account(s)

Some of these services may not be available at all terminals.

Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.

Temporary Limitations on ATM Transfers. This service is not available until your identity is verified. Once your identity has been verified, any limits disclosed to you will apply.

Types of VISA® Check Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions - dollar limitations - Using your card:

You may not exceed $2,500.00 in transactions per day, in combination with ATM withdrawals. This means the amount of transactions POSTED to your checking account each day cannot exceed $2,500.00.

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

Temporary Limitations on Point-of-Sale Transactions. This service is not available until your identity is verified. Once your identity has been verified, any limits disclosed to you will apply.

Currency Conversion and International Transactions. When you use your VISA® Check Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA® itself receives, or the government-mandated rate in effect for the applicable central processing. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Please see your cardholder agreement for additional information relating to the use of your VISA® Check Card.

Online Banking Computer Transfers - types of transfers - You may access your account(s) by computer through the internet by logging onto our website at www.firstinterstatebank.com and using your using your access ID and your password, to:

• transfer funds from checking to checking or savings
• transfer funds from savings to checking or savings
• transfer funds from line of credit to checking or savings
• get information about:
  • the account balance of checking or savings account(s)
  • deposits to checking or savings accounts
  • withdrawals from checking or savings accounts

Please also see Limitations on frequency of transfers section regarding limitations that apply to computer transfers.

Temporary Limitations on Computer Transfers.

This service is not available until your identity is verified. Once your identity has been verified, any limits disclosed to you will apply.

Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

• Transfers from a savings or money market account to another account or to third parties by check, draft, or similar order (including POS transactions) preauthorized, automatic, telephone, or computer transfers are limited in total to six per month.

Bill Payment - types of transfers: You may access your account(s) by computer through the internet by logging onto our website at www.firstinterstatebank.com and using your using your access ID and your password, to:

• Use Bill Pay to make payments to individuals or companies to whom you want to send one-time or recurring payments from your checking account.

Please also see Limitations on frequency of transfers section regarding limitations that apply to bill pay transfers.

Temporary Limitations on Bill Payment Transfers. This service is not available until your identity is verified. Once your identity has been verified, any limits disclosed to you will apply.

Bill Payment Fees and Charges: In addition to those fees and charges elsewhere described, if any, the following apply:

There is a $4.95 charge per month for the first 20 bills paid per month if you do not use a First Interstate Bank interest-bearing checking account as your account indicated for Bill Payment service. If you use a First Interstate Bank interest-bearing checking account as your Bill Payment indicated account, there is no charge for the first 20 bills paid per month. All Bill Payment users will be charged $.40 per payment in excess of 20 payments per calendar month. Bill Payment is free to all users for the first two calendar months of the service.

Minimum account balance (for Montana only) - We do not require you to maintain a minimum balance in any account as a condition of using an access device (card or code) to accomplish a transfer.

FEES

• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.
• Please refer to our separate Fee Schedule for additional information about fees.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operation/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

• Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals. The machine receipt provided to you by the satellite terminal shall be admissible as evidence in any legal action or proceeding and shall constitute prima-facie proof of the transaction evidenced by the receipt.
• 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 call us at (406) 237-2815 to find out whether or not the deposit has been made.
• Periodic statements. You will get a monthly account statement from us for your checking accounts. You will get a monthly account statement from us for your savings accounts unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.
• Transaction records. You should always save your terminal receipts and mark each transaction in your account record (but not while at a terminal). Compare your records with the transactions that are described on any account statements you receive.

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give.

Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. There may be other exceptions stated in our agreement with you.

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. as explained the Privacy Disclosure contained elsewhere.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose not more than $50 if someone used your card and/or code without your permission.

If you attach your personal identification number to your card or otherwise make the number readily available for discovery in connection with the theft or loss of your card, you do NOT tell us within 2 business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, 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 a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Additional Limits on Liability for VISA® Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA® Check Card. This additional limit on liability does not apply to ATM transactions, to transactions using your personal identification number which are not processed by VISA®, or to commercial cards.

Account balance information and transfers from your credit line are not covered by the Error Resolution or Liability sections of this Agreement.

(b) Contact in event of unauthorized transfer.

If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

TERMINAL TRANSFERS

Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account (there is no float). Additionally, you may have no effective ability to stop a payment made by terminal transfer.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers. Write or call us at the telephone number or address listed below, 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 (5 business days for VISA® Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA® Check Card point-of-sale transactions and 20 business days if the transfer involved a new 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. 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within 3 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.

FIRST INTERSTATE BANK
ATTN: ATM OPERATIONS
PO BOX 30918
BILLINGS, MT 59116-0918
Business Days: Monday through Friday
Excluding: Federal Holidays
Phone: (406) 237-2815 Monday-Friday, 8am-5pm MST
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

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