NORTHSTAR BANK

Online Banking (Internet) Agreement

1.   The Service.

In consideration of the Online Banking services ("Services") to be provided by NORTHSTAR BANK ("BANK"), as described from time to time in information distributed by BANK to its customers. In the agreement, “Customer" refers to the person(s) subscribing to or using the Service, the Customer agrees as follows. You may use a Personal Computer ("PC"), or for some functions, a mobile device (e.g. tablet or Smartphone) through an Internet connection to obtain account balances and transaction information. You may also use your PC or mobile device to obtain statements on your accounts and to transfer money between your accounts. However, transfers from your savings and Money Market accounts are considered pre-authorized transfers, and pre-authorized transfers are limited to six (6) per monthly statement cycle by federal regulations.

PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

 

2.   Your Access ID (User Code) and PIN (Password)

 

Each individual who has access to Your NORTHSTAR BANK’s Online Banking, including each individual named on joint accounts, must designate a Personal Identification Number ("PIN" or "PASSWORD") and an Access ID (User Code). Your PIN must be a minimum of 8 characters, up to a maximum of 17 characters, which must consist of at least One (1) alpha, one (1) numeric, and one (1) special characters (CASE SENSITIVE). For example, your PIN maybe: 123Signup!. You will be required to change your PIN periodically to enhance security.

 

3.   Effective Date of Your Transfers.

 

You may schedule Transfers between NORTHSTAR BANK accounts which the bank has identified you as an Owner or Signer. Transfers must be scheduled by the normal cut-off time of 6 p.m. (CST) on any business day in order for the transaction to be completed on that business day.

 

4.   Our Liability for Failure to Complete Transactions.

 

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 might be liable for some of your losses or damages. However, there are some exceptions. We will not be liable for instance:

a.      if, through no fault of ours, you do not have enough money in your account to make the transfer;

b.      if the money in your account is subject to legal process or other encumbrances restricting transfer;

c.      if the transfer would go over the credit limit on your overdraft line (if any);

d.      if the automated teller machine or the merchant where you are making the transfer does not have enough cash;

e.      if the system was not working properly when you started the transfer;

f.       if circumstances beyond our control (such as fire or flood or systems failure) prevent the transfer, despite reasonable precautions that we have taken; or

g.      if the payee mishandles or delays handling payments sent by us.

5.   Canceling Transfer(s).

 

You may use your PC to cancel a transfer up to 6 p.m. (CST) on the business day prior to that which your transfer is scheduled to be initiated ("Transaction Date"). There is no fee for canceling an Online Transfer.

 

6.   Statements.

 

All transfers, and/or fees made with the NORTHSTAR BANK’s Online Banking Service will appear on your monthly Account statement.

 

7.   Fees.

 

Fees for NORTHSTAR BANK’s Services shall be payable in accordance with a schedule of charges as established and amended by NORTHSTAR BANK from time to time. Charges shall be automatically deducted from customer’s Account, and NORTHSTAR BANK shall provide to Customer monthly notice of such debit(s) on your statement.

 

8.   Equipment.

 

You are solely responsible for the equipment (including, in the case of Online Banking, your personal computer, tablet, mobile device, and software) you use to access the Services. We are not responsible for errors or delays or your inability to access the Services caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the Services nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

 

9.      Business Days/Hours of Operation.

 

Our business hours are 9:00 a.m. to 4:30 p.m. (CST), Monday through Friday, and 9:00 a.m. to 12 p.m. Saturday at the Estherville Downtown Drive-Up Location. For both Estherville Drive Up locations, our business hours are 8:00 a.m. to 5:00 p.m. Monday through Friday. Offices are closed on Bank Holidays. Online Banking Business hours although available 24 hours a day, Business days correspond with regular banking days and transactions posted after 6:00 p.m. on any regular business day, will be posted the next business day. The Online Banking service may be unavailable during maintenance periods, for the scheduling of transfers.

 

10.  Notice of Your Rights and Liabilities.

 

Security of your transactions is important to us. Use of the Services may, therefore, require a PIN or password. If you lose or forget your PIN or password, please call 800-999-2606 during normal business hours listed above or 800-999-2606 Extension 1121 and leave a voice mail message.

 

We may accept as authentic any instructions given to us through the use of your password or PIN. You agree to keep your PIN and password secret and to notify us immediately if your PIN or password is lost or stolen or if you believe someone else has discovered your PIN or password. You agree that if you give your PIN or password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Services. Online Banking Services enables you to change your password; we require that you do so regularly. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your PIN or password was used in connection with a particular transaction. If any unauthorized use of your PIN or password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds.

Tell us AT ONCE if you believe your PIN or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two (2) business days, you can lose no more than $50. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN or password, and we can prove we could have stopped someone from using your PIN or password 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 sixty (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 prevented someone from taking the money if you had told us in time. If you believe your PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 800-999-2606 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PINS OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA EMAIL.

 

11.  Errors and Questions.

 

In case of errors or questions about your electronic transactions, telephone us at 800-999-2606 9:00 a.m. to 4:30 p.m. Monday through Friday or 9:00 a.m. to 12:00 p.m. on Saturday, or contact us at:

NORTHSTAR BANK - Electronic Banking Department

PO BOX 414

ESTHERVILLE IA 51334-0414

As soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You will need to:

a.      tell us your name and Account number (if any);

b.      describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and

c.      tell us the dollar amount of the suspected error. If you tell us verbally, we may require you to send us your complaint or question in writing within ten (10) business days following the date you notified us. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have 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 ten (10) business days, we may not credit your account.

 

If we determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

 

12.  Disclosure of Account Information to Third Parties.

 

We may disclose information to third parties about your account or the transactions you make:

a.      where it is necessary for completing transactions or resolving errors involving the Services; or

b.      in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or

c.      in order to comply with government agency rules, court orders, or other applicable law; or

d.      to our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or e. if you give us your permission.

 

13.  Authorization to Obtain Information.

 

You agree that we may obtain and review your credit report from a credit bureau or similar entity.

 

14.  Termination.

 

If you want to terminate your access to the NORTHSTAR BANK’s Services, call us at 800-999-2606. After receipt of your call, we will send a written termination authorization for your signature and return to us. In order to avoid imposition of the next monthly fee, we must receive your written authorization to terminate three (3) days before your service charge is scheduled to assess. RECURRING TRANSFERS WILL NOT NECESSARILY BE DISCONTINUED BECAUSE YOU TERMINATE ACCESS TO THE SERVICES. IF YOU WANT TO MAKE SURE THAT RECURRING TRANSFERS BETWEEN ACCOUNTS ARE STOPPED, YOU MUST FOLLOW THE PROCEDURES IN THE CANCELING PAYMENTS PARAGRAPH ABOVE.

 

We reserve the right to terminate the NORTHSTAR BANK’s Services, in whole or in part, at any time with or without cause and without prior written notice. In that event, or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. We also reserve the right to temporarily suspend the Services in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your PIN or password as an indication of an attempted security breach. Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before termination.

 

15.  Limitation of Liability.

 

Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the NORTHSTAR BANK's ONLINE Service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.

 

16.  Waivers.

 

No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of the NORTHSTAR BANK.

 

17.  Assignment.

 

You may not transfer or assign your rights or duties under this Agreement.

 

18.  Amendments.

 

We can change a term or condition of this Agreement by mailing or delivering to you a written notice at least thirty (30) days before the effective date of any such change. We do not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain or restore the security of our system or an account. However, even in these cases, if the change is to be made permanent, we will provide you with a notice of the change with the next regularly scheduled periodic statement we send you, or within thirty (30) days, unless disclosure would jeopardize the security of our system or an account. Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the most recent address we show for you in either our Checking or Savings Account records, or e- mail address in which you authorized to receive such notices and/or disclosures.

 

19.  Indemnification.

 

Customer, in consideration of being allowed access to the NORTHSTAR BANK's ONLINE Services, agrees to indemnify and hold the NORTHSTAR BANK harmless for any losses or damages to the BANK resulting from the use of the Services, to the extent allowed by applicable law.

 

20.  Security Procedures.

 

By accessing the Services, you hereby acknowledge that you will be entering a protected web site owned by NORTHSTAR BANK, which may be used only for authorized purposes. The BANK may monitor and audit usage of the System, and all persons are hereby notified that use of the Services constitutes consent to such monitoring and auditing. Unauthorized attempts to up-load information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.

 

21.  Governing Law.

 

The laws of the state of Iowa shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.

 

NorthStar Bank Alerts Terms and Conditions

 

Alerts. Your enrollment in NorthStar 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 NorthStar 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 NorthStar Bank Online Banking and Manage Alerts menu within NorthStar 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. NorthStar 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 NorthStar 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 99588 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 NorthStar 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 99588. In case of questions please contact customer service at 800-999-2606. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. NorthStar 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 NorthStar Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold NorthStar 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.

 

Fee Schedule: (Items noted in schedule to be effective December 7, 2012) Online Banking Service Fee: The basic Online Banking service is free.

I/We understand that I/we are the only individual(s) authorized to use Internet Banking and that use of the Internet Banking signifies agreement to the terms and conditions set forth in this Online Banking Internet Agreement which will be furnished to me/us.

 

I/We are owners of the following account(s) numbers to be included in the List of Accounts to be viewed through On-Line Banking (On-Line Banking does not allow access to accounts of which you are not be listed as a "signer" or "owner".)

 

                                                                                                                                                                                   

 

                                                                                                                                                                    

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Signature(s) - The undersigned agree(s) to the terms stated in this Agreement and acknowledge(s) receipt of a completed copy on today’s date.

 

Signed:

 

Name:                                                                                                            Date:                                                                

 

Email Address:                                                                                                                                         

 

Name:                                                                                                            Date:                                  

 

Email Address: