ACH Settlement Information for the Thanksgiving Holiday

Business Online Banking ACH files must be received by Tuesday, November 26 in order to settle before the upcoming federal holiday (Thanksgiving Day). ACH files received on Wednesday, November 27 will not settle until Friday, November 29.

Electronic Records and Signatures Agreement

General Account Agreement

This E-Sign consent to use electronic records and signatures ("Electronic Records and Signatures Disclosure"), applies to all Communications for those products, services and Accounts offered or accessible through the Online and Mobile Services, or a mobile application or mobile website used to access the Online Service, that are not otherwise governed by the terms and conditions of an electronic disclosure and consent. Please note that consenting to receive Communications under this Disclosure will not automatically enroll you in Online Statements.

The words "we," "us," and "our" refer to the entity with which you have your Account and its affiliates, including but not limited to First Interstate Bank, and the words "you" and "your" mean you, the individual(s) or entity identified on the Account(s). As used in this Disclosure, "Account" means the account(s) you have with us now or in the future, including ones which you open through the Online and Mobile Services. "Communication" means any customer agreements or amendments thereto, monthly billing or account statements, tax statements, disclosures, prospectuses, trade confirmations, notices, responses to claims, transaction history, privacy policies and all other information related to the product, service or Account, including but not limited to information that we are required by law to provide to you in writing. "Online and Mobile Services" means Personal and Business online and mobile banking, Personal and Business online and mobile bill payment, Personal and Business online statements, Personal mobile check deposit, Personal and Business credit card online services, Personal and Business loyalty online services, Wealth online services, Retirement online services, Investment online services, Escrow online services, Positive Payee online services, Remote Deposit online services, and Account Opening Online services.

The disclosures and agreement assume you have access to the appropriate equipment described herein and will not be dependent on bank equipment such as in-branch computers for accessing your account.

Scope of Communications to Be Provided in Electronic Form.

You agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic Communications and transactions includes, but is not limited to:

Your consent to receive electronic Communications does not automatically enroll you in Online Statements. You must separately confirm that you would like to stop receiving paper account statements (and any other types of Communications we may include in Online Statements) by U.S. Mail.

Your consent governs any current or future online account opening pertaining to existing or new checking, savings or certificates of deposit unless you expressly withdraw consent as outlined in a subsequent section of this Agreement.

Method of Providing Communications to You in Electronic Form.

All Communications that we provide to you in electronic form will be provided by one or more of the following methods: (1) via e-mail, (2) by access to online and mobile websites, that we will designate in an e-mail notice we send to you at the time the information is available, (3) to the extent permissible by law, by access to online and mobile services, that we will generally designate in advance for such purpose, (4) via our mobile applications, or (5) by requesting you download a PDF file containing the Communication

How to Withdraw Consent.

You may withdraw your consent to receive Communications in electronic form by call the Client Contact Center at 1-855-342-3400, or, for Online Statements or tax documents, by changing your delivery preferences within Online Banking. In addition to the above-mentioned telephone number, you may withdraw your consent to receive tax documents (including, but not limited to, Forms 1098, 1098-E, 1098-T,1099-A, B, C, CAP, DIV, H, INT, G, LTC, MISC, OIC, PATR, Q, R, S, SA, 3921, 3292, 5498, 5498-ESA, and 5498-SA and Schedule K-1, where relevant) in electronic form by writing to us at:

First Interstate Bank

Attn: Client Contact Center

P.O. Box 30918

Billings, MT 59116

Withdrawal of consent for Online Statements may result in a fee or change in fee for some accounts. Please refer to your account agreement for additional information. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however your access and use of Online Banking may be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

How to Update Your Records.

It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) by calling the Client Contact Center at 1-855-342-3400.

Hardware and Software Requirements.

In order to access, view, and retain electronic Communications from us, you must have:

Requesting Paper Copies.

You should not expect to receive a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us by telephone, or by logging in to Online Banking and send a request using your Secure Inbox. We may charge you a reasonable service charge, of which we've provided you prior notice, for the delivery of paper copies of any Communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

Communications in Writing.

All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.

Federal Law.

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the "Act"), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Termination/Changes.

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

E-mail Address of Record for Accounts with Joint and/or Multiple Owners.

Each account owner is able to provide an e-mail address for Account in connection with each owner's consent to receive electronic Communications. Only one account owner's authorization is required to enroll in Online Statements.

For purposes of electronic notification for Online Statements on a joint or multiple owner account, you agree that electronic notifications for Online Statements delivered to the e-mail address of the account owner who enrolls in Online Statements will constitute delivery to all account owners, even if all account owners may not have access to such e-mail address.

Interested Parties.

If you have designated one or more interested parties to receive copies of your account statements, trade confirmations or other documents, they will continue to receive copies of such documents via U.S. Mail.

Electronic Signature.

By selecting the “I Accept” button, you are signing this Agreement electronically. You agree your electronic signature is the legal equivalent of your manual signature. By selecting “I Accept” you consent to be legally bound by this Agreement’s terms and conditions. You further agree that any means of electronic acceptance (PC, tablet, phone, etc.) authorizing First Interstate transactions will constitute your legal signature just as if you had accepted the transaction by physically signing a document. Additionally you agree that no certification authority or other means of verification is necessary to validate your electronic signature at the transaction level and the absence of that does not impact the enforceability of your electronic signature or any resulting contract between you and First Interstate Bank. You also are validating that you are authorized to enter into this Agreement on behalf of all parties with access to this account. In addition, you agree that each use of your electronic signature constitutes your agreement to be bound by the terms and conditions of your Account Agreement. Your right to “opt out” of electronic signature and delivery is described in other sections of the agreement and by selecting “I Accept” you acknowledge that you have read and understood your rights therein.

Acceptance and Consent.

By consenting to this Disclosure, you agree to the following statements:

I have read, understand and agree to be bound by the terms and conditions described above and consent to receive electronic Communications according to the process described above. I understand that I may incur costs, including but not limited to online time and other charges from my internet service provider, in accessing and/or viewing such document(s).

I understand and agree that: (i) certain documents will continue to be delivered to me via U.S. Mail that are not included in the Online Statements program and that in the future some or all of these documents may be made available for me to view electronically in accordance with this Disclosure; (ii) my consent to view documents electronically does not automatically expire and is not limited as to duration; (iii) the entity or entities with which I have my Account(s) and/or their agents may revoke my participation in the Online Statements program at any time at their discretion; (iv) neither entity or entities with which I have my Account(s), nor their agents will be liable for any loss, liability, cost, expense, or claim for acting upon this authorization or arising from my use of the product or services provided pursuant to this Disclosure; and (v) inserts that may be provided along with my account statements contain important information or disclosures concerning my Account and I agree to review such inserts in a timely manner.