Technology Requirements

Electronic Business Information

This notice contains important information regarding your transaction of business with us electronically. Federal law treats electronic signatures as having the same legal force and effect as if they were signed on paper by hand. Therefore, online contracts have the same legal force as signing an equivalent paper contract in ink. Please note, to apply for products and services online, the applicant will be required to utilize an electronic signature.

Below is information regarding Records received, signed, and/or delivered electronically by or with West Bank ("we" or "us" or "our.") Records include, but are not limited to, applications, notices, disclosures, and authorizations.

By using this Website you are providing consent to receive all Records that might be sent in connection with your m Reward Me Checking account electronically, rather than in paper format. Reward Me Checking will only provide you with paper copies of any records when required to do so by law or court order, in which case Reward Me Checking will charge the account holder $5.00 for a Statement copy and $2.50 for a copy of an item. Contact Customer Service at 515-222-2360 to request a Record.

Printing/Downloading Records

You agree to print out and/or download Records when we advise you to do so and keep them for your records. If you have any trouble printing out, downloading, and/or accessing any Records, you may contact us at 515-222-2360.

What Type of Hardware and Software Will I Need to Access Information

You must have a computer or laptop and connection to the Internet via a supported Internet browser. You must also have the ability to receive and read PDF files.

Browser Requirements

Reward Me Checking supports the following browser requirements:

• Internet Explorer 6.0 and higher
• Mozilla Firefox: 1.0 and higher
• Apple Safari: 1.0 and higher
• Mozilla Camino: 0.8.1 and higher
• Netscape Navigator: 7.0 and higher
• Opera: 7.54 and higher

For your protection, Reward Me Checking does not support beta versions of browsers. Under normal circumstances, Reward Me Checking will support the final version of a browser shortly after the release date. Reward Me Checking regularly monitors and tests browsers to ensure the highest security standards for our users.

Having JavaScript enabled is not a requirement to use the Reward Me Checking site, but is recommended. Please follow these instructions to enable JavaScript through your Web browser:

Enable JavaScript Instructions for Mac

Firefox

1. Open Firefox.
2. Select Preferences from the Firefox menu.
3. Click on the Content tab.
4. Check "Enable JavaScript".
5. Close and restart your browser.

Opera

1. Open Opera.
2. Select Preferences from the Opera menu.
3. Click on the Advanced tab.
4. Click on Content.
5. Check "Enable JavaScript".
6. Close and restart your browser.

Safari

1. Open Safari.
2. Select Preferences from the Safari menu.
3. Click on the Security tab.
4. Check "Enable JavaScript".
5. Close and restart your browser.

Enable JavaScript Instructions for PC

Internet Explorer 6.x

1. Open Internet Explorer.
2. Select Internet Options from the Tools menu.
3. Click on the Security Tab.
4. Click Custom Level.
5. Scroll down to "Scripting".
6. Make sure the "Enable" radio button is checked for Active Scripting and Active Scripting of Java Applets.
7. Click OK to save your preference.
8. Close and restart your browser.

Firefox

1. Open Firefox.
2. Select Internet Options from the Tools menu.
3. Click on the Content tab.
4. Check "Enable JavaScript".
5. Close and restart your browser.

Opera

1. Open Opera.
2. Select Preferences from the Tools menu.
3. Click on the Advanced tab.
4. Click on Content.
5. Check "Enable JavaScript".
6. Close and restart your browser.

Requirements to Retain Electronic Statements

You may access and retain Records from us in two formats:

• You can send screen prints to your printer. Most Internet browsers provide a convenient method of printing the Records you view on your monitor. To retain a copy of the aforementioned, you may print copies from the Reward Me Checking Website where the Records will be provided.
• You can save an electronic copy of Records to your personal computer, PDA, pocket PC or storage device, such as an external hard drive. Records will be provided in PDF format for download.

Withdrawing E-SIGN Consent

You may withdraw your consent to E-SIGN at anytime. Doing so will terminate your Reward Me Checking user account. To withdraw your consent to E-SIGN, please contact Reward Me Checking Customer Support at 515-222-2360. Customer Support will verify your identity. Upon verification of your identity, your account will be deactivated. The remaining balances from any active savings goals and interest accrued will be mailed to you on a cashier's check made out to the primary account holder's name and address on file. It could take up to 5-7 business days, once all pending transactions have cleared, before the check can be issued and mailed via USPS mail. By law, West Bank must retain your account information on file for up to 7 years. Any personal and sensitive information pertaining to your account will be encrypted, masked, and stored according to the latest security standards.

How to download PDF documents

Disclosures and account statements on the Reward Me Checking Website are available in Adobe® Portable Document Format (PDF). PDF allows for a cross-platform PostScript-based file containing any combination of text, graphics, and images.

To download a PDF file, you have to click on the link beside the PDF icon: PDF

A dialog box from your browser will appear asking you if you want to save the file. Specify where you want the file saved for future reference. Also beside every icon, the size of the file is specified to let you know how long a file can take to download. Remember that depending on the speed of your Internet connection, Internet traffic and your Internet provider, the download time can vary.

Once the file is on your local drive, you can view, navigate, or print the documents using Adobe Acrobat® software. If you do not have this software, a copy of Acrobat Reader® or Exchange® is required. Adobe Reader® software is available FREE in various languages, as well as operating systems including Windows, Macintosh, and Linux. Documentation for installation and operating requirements can be found on the Adobe® site here:
http://www.adobe.com/products/acrobat/acrrsystemreqs.html#80win

Download a FREE copy of the latest version of Adobe Acrobat Reader® from the Adobe® web site here:
http://www.adobe.com/products/acrobat/readstep2.html

Once the software is installed, you can view the PDF file by opening it in Acrobat Reader®.

Please consult the various information provided with Acrobat Reader® or the Adobe® Website for any problems/questions you may have.