b. Withdrawal Transaction. You may use NetTeller to perform an unlimited number of funds
transfers from your Bank checking or savings accounts to other Bank checking, savings or
loan accounts. The dollar amount is limited only by your account balance. **Note: HiFi
Savings Accounts are restricted to 6 preauthorized withdrawals per month as per your
account agreement. Funds transfers from NetTeller are considered preauthorized.

f. Customer Service. You may communicate with the Bank by using a personal computer to
send and receive written messages electronically. E-mail is not a secure communication
method. Do not include any private information in your message. E-mail transmitted to us
often will not be delivered to us immediately. If you need to contact us immediately, you
should call us at 1-701-748-2233 or 1-877-684-2233.

1. Bill Payment.
a. Using Bill Payment. As used in this Agreement, the term “Payee” means the person or entity to
whom you wish a bill payment to be directed; “Payment Instruction” means the
information provided by you to us for a bill payment to be made to the Payee (such as, but
not limited to, Payee name, Payee account number, and Scheduled Payment Date);
“Payment Account” means your checking account from which a bill payment will be made;
“Business Day” means Monday through Friday, excluding Federal Reserve holidays;
“Scheduled Payment Date” means the Business Day of your choice upon which your bill
payment will begin processing (a Scheduled Payment Date of a non-Business Day will be
considered to be the previous Business Day); and “Cutoff Time” means 9:00 p. m.
Mountain Time (MT) on any Business Day and is the time by which you must transmit
Payment Instructions to have them considered entered on that particular Business Day.

To gain access to Bill Payment, you must sign on to NetTeller Online Banking by
entering your NetTeller ID and PIN on the Bank’s web page. Select an option under “Bill
Payment” from the NetTeller menu.

To use Bill Payment, you must provide information online to us to identify your Payees.
You can search the extensive database for existing Payees or set up a new Payee. You must
provide sufficient information about a Payee to permit us to properly direct a payment and
permit the Payee upon receipt of a payment to identify you as the payment source. You do
this by filling in all required fields with accurate information, as directed by Bill Payment
screen messages. By providing us with the names and account information of those Payees
to whom you wish to direct payment, you authorize us to follow the Payment Instructions
that we receive through the payment system. When we receive a payment instruction, you
authorize us to debit your Payment Account and remit funds to the Payee on your behalf.

You will be able to set up the following types of bill payments:
1. Single Payment: You may schedule a payment to be made one time to a Payee.
The payment may be scheduled on a future date, or on the same day that you enter
the Payment Instruction provided you enter the Payment Instruction by the Cutoff
Time.

2. Recurring Payment: You may schedule payments to Payees to be automatically
initiated in a fixed amount on the same scheduled payment frequency. You may
make payments weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-
annually or annually. If the Scheduled Payment Date does not exist in a certain
month, then the payment will be initiated on the last Business Day of the month.
For example, if you schedule a payment for the 30th of each month, your
payment for the month of February will be initiated on or before the 28th day of
February.

You will be provided a confirmation number for each payment you schedule using Bill
Payment. This number is available on the Personal Payment Schedule prior to the
scheduled Payment Date and on the Payment History screen under the Bill Payment menu
if you need to refer to it in the future. The confirmation number will help us resolve any
questions you may have concerning your transactions.

You may not schedule duplicate payments. A duplicate payment is one that is scheduled to
be made to the same Payee on the same date for the same amount as a previously schedule
payment. A duplicated payment is different from a Recurring Payment. A Recurring
Payment is scheduled for the same amount to the same Payee on a recurring schedule. The
amount of any Single Payment or Recurring Payment shall not exceed $9,999.99. In
addition, a Single Payment to a Payee must be “In Process” (hereinafter defined) before an
additional Single Payment can be scheduled to the same Payee.

While it is anticipated that most transactions will be processed and completed on the next
Business Day after your Scheduled Payment Date, and arrive approximately 3-5 Business
Days after your selected schedule Payment Date, it is understood that due to circumstances
beyond our control, particularly delays in handling and posting payments by slow
responding payees or financial institutions, some transactions may take a day or even a few
days longer to be credited by your Payee to your account. For this reason, it is necessary
that all Scheduled Payment Dates selected by you be no less than five (5) Business Days
before the bill’s actual due date if paid by check and three (3) Business Days before the
bill’s actual due date if paid by electronic funds transfer, not the late date and/or a date in
the grace period. Payment instructions entered after the Cutoff Time or on non-Business
Days will be considered entered in Bill Payment on the next Business Day. For Recurring
Payments, this means that you must allow additional time for months in which weekends
or holidays reduce the number of Business Days between the Recurring Payment date the
bill’s actual due date. If you properly follow the procedures described here in, and we fail
to send a payment according to the Payment Instructions received, we will bear
responsibility for late charges (up to a maximum of $50.00 per scheduled payment per
business Payee.) In any other event, including, but not limited to, choosing a Scheduled
Payment Date less than five (5) Business Days before the bill’s actual due date if paid by
check and three (3) Business Days before the bill’s actual due date if paid by electronic
funds transfer, the risk of incurring and the responsibility for paying all late charges or
penalties shall be borne by you.

We will use our best efforts to make all your payments properly. However, we shall incur
no liability if we are unable to complete any payments initiated by you through Bill
Payment because of the existence of any one or more of the following circumstances:

1. If, through no fault of ours, your Payment Account does not contain sufficient
   funds to complete the transaction or the transaction would exceed the credit limit
   of your overdraft protection account;
2. Bill Payment or NetTeller Online Banking is not working properly and you know
   or have been advised by us about the problem before you execute the transaction;
3. The Payee mishandles or delays a payment sent by us;
4. You have not provided us with the correct name, phone number or account
   information for the Payee, or you have not provided us with accurate personal
   information either during enrollment or on your Bill Payment Application, or you
   have otherwise provided incomplete Payment instructions; or,
5. Circumstances beyond our control (such as, not limited to, fire, flood, or
   interference from an outside force) prevent the proper execution of the transactions
   and we have taken reasonable precautions to avoid those circumstances.
   

a. Statements. All of your payments made through Bill Payment will
appear on your monthly account statement(s). You can also
view payment activity on the NetTeller Online Banking
Account Activity screen.

b. Canceling the Bill Payment Service. You may cancel your use of
Bill Payment at any time by sending an electronic message or
request (see the e-mail section) or by calling the Bank at 701-
748-2233 or 1-877-684-2233. If you notify us by telephone, we
may request that you put your request in writing. We cannot
cancel Bill Payment service until all Pending Payments have
cleared your Payment Account. If you have Pending Payments
and do not want to wait for them to clear, you may individually
delete these future payments. You will not receive a refund of
any service fee if you cancel. The Bank may cancel or suspend
Bill Payment in whole or in part, at any time without prior
notice. Cancellation or suspension shall not affect your liability
or obligations under this Agreement.

c. Returned Bill Payment Transactions. In using Bill Payment, you
are requesting that we make payments for you from your
Payment Account. If we are unable to complete the transactions
for any reason associated with your Payment Account (for
example, there are not sufficient funds in your Payment Account
to cover the transaction), the transaction may not be completed.

1. You will reimburse us for any fees we incur in attempting to collect
the amount of the return from you; and,
2. We are hereby authorized to report the facts concerning the return to
a credit reporting agency.

a. Address Changes. You agree to promptly notify the bank of any
address change, electronic mail address change, and/or any
change to your telephone number.

b. Payee Limitation. We reserve the right to refuse to pay any Payee to
whom you may direct a payment for security reasons or any
other reason. We will notify you promptly if we decide to refuse
to pay a Payee designated by you. This notification is not
required, however, if you attempt to make a prohibited payment
under this Agreement.

c. Information Authorization. Your enrollment in Bill Payment may
not be fulfilled if we cannot verify your identity or other
necessary information. Through your enrollment in Bill
Payment, you agree that we reserve the right to request a review
of your credit rating at our own expense through an authorized
bureau. In addition, you agree that we reserve the right to obtain
financial information regarding your account from a Payee to
resolve payment-posting problems.

d. Closed Accounts. You are responsible for any outstanding Bill
Payment payments if you choose to close your bill payment
account. You are to inform the bank of any outstanding
payments at the time you close your bill payment account.

1. Fees. The Bank will not charge you a fee for using NetTeller Online
Banking or Bill Payment.

1. Limitation of Access/Security. The Bank may terminate NetTeller
Online Banking and Bill Payment in whole or in part at any
time without prior notice. The Bank reserves the right to limit
or suspend your access to NetTeller Online Banking and Bill
Payment at any time. In order to maintain secure
communications and reduce fraud, you agree to protect the
security of your NetTeller ID and PIN. We reserve the right to
block access to Online Services to maintain or restore security
to our Site and systems, if we reasonably believe your access
codes have been or may be compromised or are being used or
may be used by an unauthorized person(s).

2. Your Responsibility. Use of your NetTeller ID and Pin is the
agreed security procedure to access Online Services. In order to
prevent unauthorized access to your accounts and to prevent
unauthorized use of Online Services, you agree, by using
NetTeller Online Banking and/or Bill Payment, to keep
confidential, and to not give or make available your IDs and
PINs to any person not authorized to access your accounts. The
loss, theft or unauthorized use of your IDs and PINs could cause
you to lose some or all of the money in your accounts, plus any
amount available under your overdraft protection credit line. If
you disclose your IDs and/or PINs to any person(s) or entity,
you assume all risks and losses associated with such disclosure.
You are responsible for all transfers and Bill Payments you
authorize using Online Services. If you permit any other
person(s) or entity to use Online Services or to access or use
your IDs and/or PINs, you are responsible for any transactions
and activities they authorize from your accounts. You agree to
immediately notify us of any unauthorized use of your IDs
and/or PINs or of any other breach of security, or if you believe
someone may attempt to use Online Services without your
consent or has transferred money without your permission. You
can contact us by calling 701-748-2233 or 877-684-2233
between 8:00 a.m. and 4:00 p.m. Mountain Time.

3. Electronic Fund Transfer (EFT) Provisions For Consumers

1. Generally, tell us AT ONCE if you believe your NetTeller ID or PIN has been lost,
stolen, or otherwise compromised. Telephoning is the best way of keeping your
possible losses down. You could lose all the money in your account (plus your
maximum overdraft line of credit). If you tell us within two business days, you
can lose no more than $50 if someone used your NetTeller ID and PIN without
your permission.

2. If you do NOT tell us within 2 business days after you learn of the loss or theft of
your NetTeller ID and PIN, and we can prove we could have stopped someone
from accessing your account without your permission if you had told us, you
could lose as much as $500.

3. Also, if your statement shows transfers that you did not make, tell us at once. If you
do not tell us within 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
stopped someone from taking the money if you had told us in time.

4. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we
will extend the time period.

5. You may notify us in person, by telephone, by e-mail, or in writing.

1. Damages. THE FOREGOING SHALL CONSTITUTE OUR
ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY.
IN NO EVENT SHALL WE BE LIABLE FOR INCIDENTAL,
EXEMPLARY OR CONSEQUENTIAL DAMAGES,
INCLUDING LOST PROFITS, CAUSED BY OR THE USE
THEREOF, OR ARISING IN ANY WAY OUT OF THE
INSTALLATION, USE OR MAINTENANCE OF YOUR
PERSONAL COMPUTER HARDWARE, EQUIPMENT,
SOFTWARE OR ANY INTERNET ACCESS SERVICES.

2. Warranties Disclaimer. THE ONLINE SERVICES AND
RELATED DOCUMENTATION ARE PROVIDED “AS IS”,
AND WE DO NOT MAKE ANY WARRANTIES OF ANY
KIND, EITHER EXPRESSED OR IMPLIED, CONCERNING
THE HARDWARE, SOFTWARE OR ANY PART
THEREOF, INCLUDING, WITHOUT LIMITATION, ANY
WARRANTIES OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE.

3. Errors or Questions. In cases of errors or questions concerning
transactions completed with NetTeller, do one of the following,
as soon as possible:

• Checking account number used to pay the bill
• Payee name
• Date the payment was sent
• Confirmation number
• Payment amount
• Payee account number for the payment in question

1. Miscellaneous Terms. In addition to this Agreement, you agree to
comply with all applicable account agreements, including,
without limitation, the Loan and/or Deposit Account Agreement
that you received when opening your account, as amended, and
with all applicable State and Federal laws and regulations.
The Bank may amend or change this Agreement (including
applicable fees and service charges) by sending you written
notice by electronic mail or by regular mail sent to your address
as it appears on your account records. You agree that the Bank
may also send you future notices and disclosures about your
accounts with the Bank by electronic mail, where permitted by
law. Any use of the Online Services after we send you a notice
of change will constitute your agreement to such change(s).
Further, we may, from time to time, revise or update the
programs, services and/or related material, which may render all
such prior versions obsolete. Consequently, we reserve the right
to terminate this Agreement as to all such prior versions of the
programs, services, and/or related material, and to limit access
to Online Services more recent revisions and updates.
We shall not be deemed to have waived any of our rights or
remedies hereunder unless such waiver is in writing and signed
by us. No delay or omission on our part in exercising any rights
or remedies shall operate as a waiver of such rights or remedies
or any other rights or remedies. A waiver on any one occasion
shall not be construed as a bar or waiver of any rights or
remedies on future occasions.

We refer you to the Agreement that you received when opening
your loan and/or depository account, as amended, for additional
terms and conditions and disclosures that apply to your
accounts with the Bank, as this Agreement is an addendum to
such Loan and/or Deposit Account Agreement.