Online Banking Service Agreement

Thank you for your interest in the Timberline Bank Internet Banking service. This Agreement and Disclosure Statement provides information about the Timberline Bank online banking service and contains the disclosures required by the Electronic Funds Transfer Act. Please review the following disclosure information. Once you have completely reviewed the information, click "I Understand and Accept" to indicate your agreement and to begin the process of online banking.

Online Banking Agreement

The undersigned ("I" or "we"), in consideration of The Timberline Bank ("you" or "your") issuing me Login Codes for access to Internet Banking, hereby agrees to be legally bound by the following terms and conditions.

1. Internet Banking Services
I have the Checking and/or Savings account(s) with you set forth on my application form. I hereby request that you issue to me Login Codes to be used in connection with such accounts as described in the Agreement. I understand I may use Internet Banking to (1) transfer funds between accounts; (2) obtain available balances on accounts; (3) obtain the current balances on accounts; and (4) obtain transaction history on accounts.

2. Identification Number and Password
I understand that access requires the use of unique Login Codes assigned by you. I agree that electronic copies of communications are valid and I will not contest the validity of the originals absent proof of data or tampering. I understand that accessing Internet Banking with my Login Codes will authenticate and validate the directions given just as my actual signature will authenticate and validate my direction given to you. I acknowledge that my Login Codes are identification codes that are personal and confidential and that the use of the Login Codes is a security method by which you are helping me to maintain the security of my account(s). Therefore, I AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS MY LOGIN CODES. I AGREE THAT IF I GIVE MY LOGIN CODES TO SOMEONE ELSE TO USE, I AM AUTHORIZING THEM TO ACT ON MY BEHALF AND I WILL BE RESPONSIBLE FOR ANY USE OF THE CODES BY THEM AT ANYTIME.

3. Liability for Unauthorized Transactions
I agree to contact you at once if I believe the Login Codes issued to me has been lost or stolen. I also agree that if my monthly statement shows transactions which I did not make, and I do not contact you within 60 days after the statement was mailed to me, I risk the return of lost funds. I understand that if I believe an unauthorized transfer from any of my accounts has occurred, I will contact you by writing or calling:

Timberline Bank
649 Market St.
Grand Junction, CO 81505
Phone: 970-683-5560

4. Charges
I agree to pay the charges or transaction fees which are charged by you for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time.

5. Amendment of this Agreement
I agree that from time to time you may amend or change the terms of this Agreement including amendments or changes to add further On-line services or to amend or change the charges for these services. You may do so by notifying me in writing of such amendments or changes and my use of Internet Banking after the effective date of any such amendment or change shall constitute my acceptance of and agreement to such amendment or change.

6. Disclosure
I hereby acknowledge that I reviewed the online Banking Disclosure & Agreement, informing me of my rights under the Electronic Fund Transfer Act.

ONLINE BANKING DISCLOSURE STATEMENT

The purpose of this Disclosure Statement is to inform you of certain rights that you have under the Electronic Fund Transfer Act.

Please Note: In this statement, the words "you" and "your" each refer to the person who uses or is authorized to use Internet Banking services. The words "we", "our" and "us" refer to The Timberline Bank.

1. Internet Banking Services
You may access our Internet Banking service using the personal Login Codes that we issue to you and conduct the following transactions:

Transfer funds between:

• your Checking account(s);
• your Savings account(s); and

Obtain the available balance(s) in:

• your Checking account(s);
• your Savings account(s); and
• your Loans
• your Certificates of Deposit/IRAs

Obtain the current balance(s):

• your Checking account(s);
• your Savings account(s), and
• your Loans
• your Certificates of Deposit/IRAs

Obtain transaction history from:

• your Checking account(s);
• your Savings account(s); and
• your Loans
• your Certificates of Deposit/IRAs

2. Banking Services
Our On-line Banking service is available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. Our on-line transfer business days are Monday through Friday, 7:00 pm. Transfers made on weekends, holidays, scheduled in advance or after 7:00 pm, will be processed on the next business day.

3. Identification Number and Password
Access to Internet Banking may be made by personal computer. Access requires the use of a unique login and Personal Identification Number (collectively, the "Login Codes") assigned by us. Your use of Internet Banking with the Login Code authorized by us will be deemed by us to be valid and authentic and you agree that any communications to us under your Login Code will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals, absent proof of altered data or tampering.

4. Lost or Stolen Login Codes
If you believe your Password or other means of access have been lost or stolen or that someone has used them without your authorization, immediately change your Internet Banking Password. This is done by accessing the Change Password option. To change the Access ID you will have to contact us immediately by writing or calling us at:

Include in the message your name, address, telephone number and a brief description of the problem.

5. Charges for Transactions
Depending on which service you subscribe to, you will be charged the applicable Online banking monthly fee. For a listing of fees contact us. We reserve the right to change our fee schedule from time to time and to charge your account, in accordance with the fee schedule that will be provided to you, prior to assessment.

6. Record of Transaction
You will receive a monthly statement showing the status of your account(s), transactions made during the past month, and any charges, which we may impose, for such services or transactions.

7. Liability for Unauthorized Transfers/Transactions
CONTACT THE BANK IMMEDIATELY if you believe your Login Codes have been lost or stolen. Change your password and contact us.

If you notify us of a loss, your liability for unauthorized transfers or payments will be as follows:

If you contact us within two business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone used your Login Codes without your permission.

If someone used your Login Codes without your permission, you could lose as much as $500 if you do not contact us within two business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.

Also, if your monthly statement shows transfers or payments that you did not make and you do not contact us within 60 days after the statement was mailed to you, you may not get back any funds lost after the 60 days, if we can prove that your contacting us would have prevented those losses.

8. Your Liability
You agree to the terms of this Online Banking Disclosure and the schedule of fees that may be imposed. You authorize us to deduct these fees as accrued directly from your account balance. You are liable for all transactions that you authorize. If you have given someone your Internet Banking Login Codes or other means of access and want to terminate that person's authority you must change your identification number and password and make the Bank aware of your intentions in writing.

9. Account Restrictions
Your name must appear in the legal title to make transfers between accounts or to initiate bill payments. You may not transfer between accounts with legal or signature restrictions. However, an account(s) may be viewed if you are an authorized signer on the account(s).

10. Limits on Online Banking Transactions
All transactions performed through our On-line Service will be considered a Pre-authorized Electronic Funds Transfer.

11. Our Liability for Failure to Complete Payments or Transfers
If we fail to complete a transaction on time or in the correct amount, when properly instructed by you, we will be liable for damages caused by our failure unless:

• the account has been closed or is not in good standing.
• your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
• you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit your account or otherwise complete the transaction.
• you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.
• you do not instruct us soon enough for your payment or transfer to be received and credited by the time it's due.
• the funds in the account from which a payment or transfer is to be made is subject to legal process or other claims restrict the transaction.
• circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.
• there are insufficient funds in your account to complete the transaction.
• we have reason to believe that the transaction requested is unauthorized.
• the failure was caused by an act of God, fire, or other catastrophe, or by an electrical or computer failure or by other causes beyond our control.

In any case, we shall only be liable for actual proven damages if the failure to make the transactions resulted from a bona fide error despite our procedures to avoid such error.

12. Change of Terms
We reserve the right to amend or terminate the services offered from time to time and we will notify you a minimum of 30 days prior to any change by written notice to your last known address.

13. Waiver of Agreement
Any waiver of any term of this Agreement by us on occasion will not prevent us from asserting our rights to these terms in the future.

14. Termination
You may terminate the Agreement and your On-line Banking Service at any time upon giving written notice of the termination to us. If you terminate, you authorize us to continue making transfers and bill payments you have previously authorized until we have had a reasonable opportunity to act upon your termination notice. Once we have acted upon your termination notice, we will make no further transfers or payments from your account If we terminate your use of your subscribed On-line Service, we reserve the right to make no further transfers or payments from your account, including any transaction you have previously authorized.

15. Disclosure of Account Information
We will disclose information about your account or the transactions you make to third parties:

• where it is necessary to complete transactions;
• to verify the existence and standing of your account with us upon the request of a third party, such as a credit bureau;
• in accordance with your written permission;

in order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports; and/or on receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978.

16. Our Policy and Pricing Guide and Terms and Conditions on Deposit Accounts are available at our banking office upon request.

17. Alerts Terms and Conditions

Alerts. Your enrollment in Timberline Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Timberline Bank account(s). Alerts are provided within the following categories:

• Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
• Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
• Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the Manage Alerts menu within Timberline Bank Online Banking and Manage Alerts menu within Timberline Bank Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Timberline Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Timberline Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop Alerts via text message, text "STOP" to 96924 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Timberline Bank Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again. For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at 970-683-5560. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Timberline Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Timberline Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Timberline Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

A FULL SERVICE BANK – Your bank deposits are safe with FDIC insurance coverage up to at least $250,000 per depositor. Additional FDIC insurance coverage is available based on how we can structure your accounts, making sure your funds are safe.

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