Welcome to The Bank of The West’s Online Banking!

The Bank of The West
Online Banking Disclosures, Terms and Access Agreement

Welcome to The Bank of The West’s Online Banking!

Now you can bank wherever there is an Internet connection. Whether you are at home, the office, a hotel room or wherever you travel, you can access your accounts with The Bank of The West.

All you need is access to the Internet using either Internet Explorer or Netscape Navigator (the latest versions are highly recommended for your greatest security) and a 128-bit Secure Sockets layer (SSL) encryption protocol.

The following information is provided in addition to your Depository Agreement, Electronic Funds Transfer Disclosure Statement and your Truth in Savings Disclosures. All of these agreements were received by you when you opened your account and by mail when they have been revised. You agree these remain in effect and are binding on all online transactions. You should print and keep a copy of this agreement for future reference.

Privacy and Confidentiality
The Bank of The West is strongly committed to protecting your security and confidentiality. To ensure the privacy of your account information while you are online, you are only able to access your account with high security browsers. You must also provide both your user ID and your password. If no action is taken within 15 minutes, you will be automatically logged off Online Banking.

Virus Protection
You agree that The Bank of The West is not responsible for any electronic virus that you may encounter using Online Banking. Routinely scan your PC and diskettes using any reliable virus protection product to detect and remove any viruses found.

New Services
From time to time, The Bank of The West plans to expand the services we offer our Online Banking customers. When such services become available, we will update this agreement and notify you of the new service. By using Online Banking after the new services are available, you agree to be bound by the terms contained in the revised agreement.

Authorization To Charge Accounts
You are responsible for all transfers you or your authorized representative make using Online Banking. You authorize us to debit your designated accounts(s) for any transactions completed with Online Banking. You agree that we may comply with transfer instructions entered by any one person using an authorized Access Code and Password, regardless of the restrictions placed at the account level, i.e., two signatures required or minor no withdrawal, etc.

If you permit another person to use Online Banking or give them your Access Code and Password, you are responsible for transfers or advances made from the deposit and loan accounts linked to your online applications even if that person exceeds your authorization.

Availability
Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction.

Insufficient Funds to Complete Transfer
If your account does not have sufficient funds to complete a transfer, the transfer will not be completed.

Restrictions on Transfers from Savings and Money Market Accounts
Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account; however, you may not make more than six transfers or withdrawals out of a money market account per calendar month or a savings account per quarter (not counting transactions made at ATM's, in-person transactions or automatic transfers). Transfers made by telephone, personal computer or funds automatically transferred from a savings or money market account to another deposit account for overdraft protection are counted toward the six total permitted transfers or withdrawals. If you exceed the restrictions, after you have been given proper notice, we will have to change the savings or money market account to a NOW account, where possible or a non interest bearing account.

Correcting or Canceling Your Transfer
You cannot cancel your transfer after it has been entered into the Online Banking System and the information has been transmitted to us. You can correct information concerning a transfer before you send the information, and you can use Online Banking to reverse a transaction after it has been made.

Documentation and Verification of Transfers
The date and amount of transfers made through Online Banking will be shown on your printed statements for the accounts involved in the transaction.

Telephone Number for Notification of Unauthorized Use
If you believe your Access Code and/or password have become known by an unauthorized person or that someone has transferred money without your permission, call The Bank of The West at: (580) 661-3541, during regular business hours, as soon as possible.

Fees
The Bank of The West does not currently charge a fee for setting up, maintaining or using our Online Banking service. It is provided to you free of charge and we will gladly answer your questions or concerns.

Termination or Discontinuation
In the event you wish to discontinue using The Bank of The West’s Online Banking, contact The Bank of The West in writing at P O Box 160, Thomas, OK. 73669. We may at any time, for any reason, terminate your Online Banking service. If you do not use your Online Banking access for 90 days, your access will be discontinued until you contact us.

By clicking on the "Accept" button, I agree that I have read and completely understand the above Online Banking Disclosures.