INTERNET BANKING ACCESS USER AGREEMENT (Effective July

INTERNET BANKING ACCESS USER AGREEMENT

(Effective July 2021)

Please read carefully this Internet Banking Access User Agreement for Nebraska State Bank & Trust Co.

The agreement includes disclaimers of liability and other matters of interest to users. By pressing the

online “I Agree” button, you agree to the terms and conditions of the User Agreement which includes a

consent to future amendments of the Agreement. By pressing “I Disagree”, you will be returned to the

initial log on screen.

If you wish to have a hardcopy of this agreement, either print a copy now, or call NSB&T at 1-308-872-

2466.

1). WHAT THIS AGREEMENT COVERS

This Internet Banking Agreement between you and Nebraska State Bank & Trust Co. governs your use of

NSB eBank, an electronic service that permits NSB&T customers to access personal financial services

through the use of the World Wide Web. Accounts and services provided by NSB&T that you access

through NSB eBank are also governed by other agreements with you.

This Agreement governs your use of NSB eBank and NSB ePay. In this Agreement we will use the term

“NSB eBank “ to refer to both NSB eBank and NSB ePay. Additional services may be available in the

future.

In addition to this Agreement, our Privacy Policy also applies to your Accounts. NSB eBank

You may use NSB eBank to access your NSB&T Accounts through the Internet. Currently, you can

access your savings, checking and loan accounts. You may also use NSB eBank to access our bill

payment service NSB ePay through the Internet.

Terms Used in this Agreement

“We,” “us,”, “our”, and “ NSB&T “ refer to the Nebraska State Bank & Trust Co., located in Broken Bow,

Nebraska. “You” or “your” refers to the owner of a Nebraska State Bank & Trust Co. consumer account or

your authorized representative; “Account” refers to any Consumer deposit account maintained at an FDIC

insured Nebraska State Bank & Trust Co.; “Consumer” refers to a natural person who owns a NSB&T

Account with respect to which an internet banking service is requested primarily for personal, family or

household purposes; “Authorized representative” refers to a person with authority of any kind with respect

to an NSB eBank Account or a NSB ePay Transaction.

Accepting the Agreement

You understand that by using NSB eBank you have agreed to the terms and conditions of this Agreement

and that no signature by you is required on this Agreement. You agree to use NSB eBank solely as

provided in this Agreement and the applicable online instructions. When any transfer, payment or online

service generates items to be charged to your NSB&T Account, you agree that we may debit your

Account without requiring your signature on the item and without prior notice to you. We may, from time to

time, introduce new NSB eBank services. When this happens, we will update the Website to include

them. By using any NSB eBank service, you agree to be bound by the terms contained in this Agreement

at that time.

Changes in Terms/Fees

We may change the NSB eBank services and the terms, including fees, set forth in this Agreement at any

time. You will be notified of any such change as required by applicable law, either by mail or by an

electronic message. You understand that by using NSB eBank after a change becomes effective, you

have agreed to it.

Maintaining Your Accounts

You agree to properly maintain your NSB&T Accounts, to comply with the rules governing your NSB&T

Accounts, and to pay any fees associated with the use or maintenance of your NSB&T Accounts. Any

issue relating to a NSB&T Account or service with NSB&T or any NSB&T affiliate which you access

through NSB eBank shall be governed by the law(s) specified in the agreement for that NSB&T Account

or service. Your NSB&T Accounts and loans can be viewed and accessed in NSB eBank. The Terms and

Conditions of your Account Agreements and your loan agreements will govern, except where it is noted in

this Agreement. This Agreement will control if there is a conflict with your other agreements and this

Agreement for NSB eBank Services. In addition, each NSB&T Account and NSB eBank service is subject

to the following: Terms or instructions appearing on a screen when using NSB eBank and NSB ePay;

NSB&T’s rules, procedures and policies applicable to NSB&T Accounts; Rules and regulations of any

funds transfer system used in connection with NSB eBank and NSB ePay; and Applicable state and

federal laws and regulations.

Access to NSB eBank

You may access NSB eBank and your NSB&T Accounts through NSB eBank to check balances, transfer

funds, view transaction history, and to pay bills. To access your NSB&T Accounts or use NSB eBank you

must have a USER CODE and a PASSWORD and the required hardware and software. You are solely

responsible for having the required hardware and software and for securing an Internet service provider.

Subject to the terms of this Agreement, you will generally be able to access your Accounts at

WWW.NESB.BANK Internet site seven days a week, 24 hours a day. A transfer requested through NSB

eBank before the transfer cutoff time on a business day will generally be posted to your NSB&T Account

the same day. All transfers requested after the posted transfer cutoff time on a business day or on a day

that is not a business day, will be posted on the next business day. Every day is a business day except

Saturdays, Sundays, and banking holidays.

User Code and Password

You may Access your NSB&T accounts at nesb.bank. Click Enroll for first-time Personal Users to create a

Username and Password. Business Users will be required to call NSB&T. Going forward, you can change

your password online at any time for NSB eBank. We recommend that you change your password

regularly.

Electronic Mail (E-mail)

You can communicate with us via e-mail at nsb@nesb.bank. Please remember, however, that we will

not immediately receive an electronic message sent by you. If you need to contact us immediately, please

call 1-308-872-2466. No action will be taken on any electronic message you send to us until we actually

receive your message and have a reasonable opportunity to act on it. You cannot use e-mail to make a

bill payment, account balance inquiry or funds transfer. You cannot use e-mail to cancel a transfer, loan

payment or bill payment. Never send us your NSB eBank USERCODE or your PASSWORD or other

sensitive NSB&T Account information via e-mail.

Account Statements

All of your daily transactions, payments, and funds transfers will appear on NSB eBank and on your

Account statement(s). You can download your statement into your Quicken, QuickBooks or Money

manager software. You can access transactional information for your current and previous bank

statement. You generally have up to 30 days after the last day of your previous statement (or 30 days

after your previous statement is prepared) to export the information.

2). NSB eBank ONLINE BANKING SERVICES

Available Services

By accessing NSB eBank, you may obtain balance information, review transaction history and transfer

funds between your NSB&T Accounts. In some instances, balances and transaction history may only

reflect activity conducted through the close of the previous business day.

Linked Accounts

All your NSB&T Accounts within an individual NSB&T portfolio will be linked by means of the Social

Security Number of all individual owners or Authorized Representatives authorized to access those

NSB&T Accounts. Linked NSB&T Accounts will appear together in NSB eBank. Each owner and

Authorized Representative will be able to access, view and conduct transactions in all of the linked

NSB&T Accounts. If you do not have access to all of the accounts you believe you should, please contact

us.

Business Days

Our business days (“Business Days”) are Monday through Friday, except bank holidays. Although

transfers and bill payments are processed by NSB&T on business days only, you can initiate a transfer or

payment through NSB ePay 24 hours a day, seven days a week, except during maintenance periods;

however, the transfer or bill pay may not be completed on that day.

3). ePay ONLINE BANKING SERVICE

Bill Payments

NSB ePay allows you to make bill payments through NSB eBank. You can arrange for the payment of

your current, future and recurring bills from your NSB&T checking account. Accounts that require two or

more signatures or authorizations to withdraw or transfer funds may not be used as NSB ePay Account.

There is no limit to the number of payments that may be authorized. However, only one, one-time

payment and one recurring payment may be sent to each payee on the same day. You may pay almost

anyone within the United States through NSB ePay providing you input complete and reliable information.

A Payee can be either a Business Payee or a Non-business Payee. A Business Payee, may, for

example, be a business, merchant, or other professional who provides goods or services to you. A Non-

business Payee is an individual, family member, or friend. The mailing address of any Payee must be in

the United States. You are responsible for ensuring that you provide us with a correct address. You may

not pay alimony, child support, taxes or other governmental fees or court-directed payments or make

payments to anyone outside the United States through NSB ePay. By furnishing us with the names of

your payees and their addresses, you authorize us to follow your payment instructions to these Payees

that you provide us.

Payee Information

In addition to your Payee names and addresses, we will need the account number for each Business

Payee (name, address and account number together are “Payee Information”) to properly credit your

payments. Please note that your Business Payee may require that payments be sent to a specific

address; this mailing address may be different than other addresses that appear on your invoice or billing

statement. You may need to contact the Business Payee to obtain their payment mailing address. Payee

information is retained in NSB ePay and can be retrieved by you at any time. Additions, deletions, and

changes to Payee information can be made at any time from your PC, subject to the timing requirements

noted in the Stop or Change Instructions section. Payee information in NSB ePay is used solely for the

purpose of processing payments from your NSB&T Accounts. Payee information is subject to NSB&T’s

payment is to be sent by us, whether electronically or by check, is called the “Date Check is to be Issued”.

When we receive a payment instruction (for the current or a future date), we will make payment to the

payee on your behalf from the funds in your NSB&T Account on the Date Check is to be Issued.

IMPORTANT: The “Date Check is to be Issued” is NOT when the payment is due. Be sure to read the

instructions on the NSB ePay “Add Payment” web page for handling information. We will not be obligated

to make a payment unless your NSB&T Account has sufficient funds to pay the bill on the Date Check is

to be Issued. Funds for ALL bill payments (whether we make these payments electronically or by check)

will be withdrawn from your NSB&T Account on the scheduled Date Check is to be Issued.

Scheduling Payments

There will be a delay between the Date Check is to be Issued (the date your payment is sent) and the

date the payee receives that payment. Any payments made through NSB ePay require sufficient time for

your payee to receive your payment and credit your payment properly. To avoid incurring finance or other

charges, you must schedule your payment sufficiently in advance of the due date. When you schedule

payments, YOU MUST SCHEDULE RECURRING PAYMENTS AT LEAST FIVE (5) FULL BUSINESS

DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE. INITIAL PAYMENTS TO A

PAYEE SHOULD BE ISSUED AT LEAST SEVEN (7) FULL BUSINESS DAYS PRIOR TO THE DUE

DATE.

Stop or Change Instructions

You have the right to stop or change any onetime bill payment. However, you must cancel the payment

by no later than 2:00 PM (Central Time), at least one (1) business day prior to the day the payment is to

be issued by calling Nebraska State Bank & Trust Co. at 1-308-872-2466. You can also stop a recurring

payment by calling us at 1-308-872-2466 four (4) business days or more before the Date Check is to be

Issued.

NSB eBank Accounts Accessible by More than One Person

If your NSB eBank Account is owned by more than one person or is accessible by one or more

authorized representative, each such owner or authorized representative may individually access those

NSB&T Accounts in NSB eBank. Each owner or authorized representative needs a unique USER CODE

and PASSWORD. The terms of this Agreement will apply to each person.

4) ELECTRONIC FUNDS TRANSFERS

NSB eBank enables you to transfer funds to or from your NSB&T Accounts. The Electronic Funds

Transfer Act provides you with certain rights and responsibilities with respect to certain of these transfers,

called “Electronic Funds Transfers” (“EFT”) Your Rights and Responsibilities are fully described in our

Electronic Fund Transfers disclosures that have been separately provided to you.

Your liability

Tell us AT ONCE if you believe your user code and/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 overdraft line of credit). If you tell us within two (2) business days, you can lose no more

than $50.00 if someone used your user code and password without your permission. If you do NOT tell us

within two (2) business days after you learn of the loss or theft of your user code and/or password, and

we can prove that we could have stopped someone from using your user code and/or password without

your permission if you had told us, you could lose as much as $500.00. 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 lost after the sixty (60) days if we can

prove that we could have stopped someone from taking the money if you had told us in time. If a good

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

you believe that your user code and/or password has been lost or stolen or that someone has transferred

money from your account without your permission, call or write us at the telephone number or address set

forth below.

Telephone Number and Address

Call us IMMEDIATELY if you believe that your USER CODE or your PASSWORD has been lost or stolen,

or if you believe someone has transferred or may transfer money from your NSB&T Account without your

permission, or if you suspect any fraudulent activity on your NSB&T Account. 1-308-872-2466 Or write to:

Nebraska State Bank & Trust Co. PO Box 688, Broken Bow, NE 68822

5) OUR LIABILITY

Our liability to you is limited to the extent stated in any other Account and/or loan agreements, notices,

and disclosures that are separately provide to you from time to time regarding your NSB&T Accounts

and/or this Agreement. This section explains the complete extent of our liability to you to only to the

extent that it has not been separately disclosed to you by any of these agreements, notices, or

disclosures. NEITHER NEBRASKA STATE BANK & TRUST CO., NOR ANY OF ITS DIRECTORS,

EMPLOYEES OR AGENTS MAKES ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND

REGARDING THE PERFORMANCE OR QUALITY OF THE NSB eBank SERVICES OR THE RESULTS

THAT MAY BE OBTAINED FROM USING THE NSB eBank SERVICES. NSB&T SPECIFICALLY

DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION,

WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF MERCHANTABILITY

OR WARRANTIES AGAINST INFRINGEMENT. NEITHER NSB&T, NOR ANY OF ITS DIRECTORS,

EMPLOYEES OR AGENTS SHALL BE LIABLE FOR ANY DAMAGES OR LOSSES, INCLUDING,

WITHOUT LIMITATION, DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR

PUNITIVE DAMAGES, RESULTING FROM OR CAUSED BY THE USE, OR ATTEMPTED USE, OF THE

NSB eBank SERVICE, OR ITS CONTENT, INCLUDING, WITHOUT LIMITATION, LOSSES RELATED

TO: YOUR USE, OR INABILITY TO USE, THE NSB eBank SERVICE; ANY ERRORS, OMISSIONS OR

DEFECTS IN ANY CONTENT; ANY INTERRUPTIONS OR DELAYS IN TRANSMISSION NOT TO THE

NSB eBank SERVICE; OR COMPUTER VIRUSES RECEIVED BY YOU AS A RESULT OF YOUR USE

OF THE NSB eBank SERVICE. IN ANY EVENT, ANY LIABILITY OF NSB&T, ITS EMPLOYEES,

AGENTS, CONTENT PROVIDERS AND LICENSORS SHALL NOT EXCEED THOSE AMOUNTS

SPECIFICALLY PROVIDED FOR IN THIS AGREEMENT. Further, we will not be obligated to honor, in

whole or in part, any transaction or instruction which: is not in accordance with any term or condition

applicable to the relevant service in this Internet Banking Agreement or your NSB&T Account Agreement;

we have reason to believe may not have been authorized by you or any third person whose authorization

we believe is necessary, or which involves funds subject to a hold, dispute, restriction or legal process we

believe prevents their withdrawal; would violate any applicable provision of any risk control program of the

Federal Reserve or any applicable rule or regulation of any other federal or state regulatory authority; is

not in accordance with any other requirement of our applicable policies, procedures or practices; or we

have reasonable cause not to honor for your protection, or ours.

Your Indemnification

You agree to indemnify and hold us, our directors, officers, employees and agents harmless from any and

all loss, liability, claims, demands, judgments and expenses (including attorney’s fees) arising out of, or in

any way connected with, your use or misuse of NSB eBank. This indemnification is provided without

regard to whether our claim for indemnification is due to the use of NSB eBank by you, or your authorized

representative.

6) GENERAL PROVISIONS

Termination

Unless otherwise required by applicable law, NSB&T may terminate this Agreement and/or your access to

NSB eBank, in whole or in part, at any time. We may terminate or reinstate your access to NSB eBank, in

whole or in part, at our discretion, at any time. If reinstated, the current terms of this Agreement will

control. You may request reinstatement of NSB eBank by calling Nebraska State Bank & Trust Co. at

1-308-872-2466.

Assignment

We may assign our rights and delegate our duties under this Agreement to a company affiliated with us or

to any other party. We may also assign or delegate certain of our rights and responsibilities under this

Agreement to independent contractors or other third parties.

NOTICES

UNLESS OTHERWISE REQUIRED BY APPLICABLE LAW, IN THE EVENT THAT WE ARE REQUIRED

TO PROVIDE A NOTICE OR OTHER COMMUNICATION TO YOU IN WRITING, THAT NOTICE OR

OTHER COMMUNICATION MAY BE SENT TO YOU ELECTRONICALLY TO YOUR INTERNET

ADDRESS AS REFLECTED IN OUR THEN CURRENT RECORDS.

Nebraska State Bank & Trust Co. Alerts Terms and Conditions

Alerts. Your enrollment in Nebraska State Bank & Trust Co. 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 Nebraska State Bank & Trust Co.

account(s). Account Alerts and Additional Alerts must be managed and/or added online through the

Service. 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. Nebraska State Bank & Trust Co. 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 Nebraska State Bank & Trust Co. Online Banking message inbox. 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 Nebraska State Bank & Trust Co. Online Banking. For help with SMS text alerts,

text “HELP” to 99588. In case of questions please contact customer service at (308) 872-2466. Our

participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile

, U.S. Cellular

, Verizon

Wireless, MetroPCS.

Limitations. Nebraska State Bank & Trust Co. 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 Nebraska State

Bank & Trust Co.’s control. We neither guarantee the delivery nor the accuracy of the contents of each

Alert. You agree to not hold Nebraska State Bank & Trust Co., 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.