DIRECT CONNECT TERMS & CONDITIONS

This Agreement (this "Agreement") is entered into between First Interstate Bank (the "Bank") and any customer of the Bank who subscribes to Online Banking with Financial Management Software ("The Service"). The customer is referred to in this Agreement as "you." Online Banking with Financial Management Software is referred to as "The Service."

USING THE SERVICE

In most cases, you may use The Service to link deposit accounts in which you have an unrestricted right to withdraw funds. However, the Bank reserves the right in its sole discretion to deny The Service account linkage and account transactions.

USE OF INTERNET AND THIRD PARTY SOFTWARE

In using the Service, you acknowledge that you will be sending financial and other data as well as electronic messages directly to the Bank through the Internet and the Service that is licensed to you by either Intuit or Microsoft. You agree that the Bank is not responsible in any manner for any weaknesses in the security of either the Internet or the Service.

REPORTING UNAUTHORIZED TRANSACTIONS

If you believe that an unauthorized transaction has been made from your account, telephone the Bank immediately at: 1-888-752-3332 or write the Bank at:

First Interstate Bank
P.O. Box 30918
Billings, MT 59116

ERROR RESOLUTION

Consumer Accounts: In case of errors or questions about your transactions related to the Services, contact the Bank immediately. Telephone the Bank at: 1-888-752-3332 or write the bank at:

First Interstate Bank
P.O. Box 30918
Billings, MT 59116

If you think your account statement is wrong or if you need more information about a transaction listed on the statement, the Bank must hear from you no later than 60 days after it sends or electronically delivers to you the FIRST statement on which the problem or error appeared. If you requested more information about a problem or error, the Bank must hear from you within 60 days after it sends or electronically delivers that information to you.

If you tell the Bank orally, the Bank may require that you send your complaint or question in writing within 10 business days.

The Bank will tell you the results of its investigation within 10 business days after we hear from you, and will correct a Bank error promptly. If the Bank needs more time, however, it may take up to 45 days to investigate your complaint or question. In such case, the Bank will give provisional credit to your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes the Bank to complete its investigation. If the Bank asks you to put your complaint or question in writing and does not receive it within 10 business days, the Bank may not re-credit your account. If you question a transaction that occurred within 30 days of opening the account, the Bank may take 90 days to investigate your question. If the Bank has not completed it investigation, it will credit your account within 20 business days for the amount you think is in error, so that you will be able to use the money until the error is resolved. The Bank will tell you the results within 3 business days after completing its investigation. It the Bank decides that there was no error; it will send you a written explanation. You may ask for copies of the documents that the Bank used in its investigation.

Consumer Accounts: You can lose no more than $50 if you notify the Bank within two business days of discovering any unauthorized use of the Service. However, you can lose as much as $500 if you do not notify the Bank within two business days of discovering the unauthorized use and the Bank can prove that it could have prevented the unauthorized use had it been notified. Further, if you do not report unauthorized transactions that appear on any of your periodic statements within 60 days after such statements are mailed to you, you risk unlimited losses on transactions made after the 60 day period if the Bank can prove that it could have prevented the unauthorized use had it been notified within this 60 day period.

PERIODIC STATEMENTS

The periodic statements for your bank accounts (which are provided to you with the regularity provided for in the Deposit Agreements) will include transfers you authorize using the Service, as well as your other account activity.

BUSINESS DAYS AND HOURS

The business days for the Bank are normally Monday through Friday. Holidays are not business days. The Service can only make transfers on business days. You are responsible for all transfers you authorize using the Service. If you permit other persons to use the Service, you are responsible for any transactions they authorize from your deposit accounts.

You should notify the Bank immediately if you believe any of your accounts have been accessed without your permission. Contacting the Bank right away will help you reduce possible losses.

BANK'S RESPONSIBILITY AND DISCLAIMERS

The Bank is responsible for your actual losses if they were directly caused by the Bank's failure to complete transfers on time according to your properly entered and transmitted instructions. However, the Bank will not be liable:

DISCLOSURES OF ACCOUNT INFORMATION TO OTHERS

The Bank will disclose information to third parties about you and your accounts and transactions as described below.

QuickBooks and Quicken are registered trademarks of Intuit Inc. Microsoft is a registered trademark of Microsoft Corporation in the United States and/or other countries.