With Online Banking and Online BillPay from Colorado State Bank and Trust, it's secure, fast, and easy to manage your finances on your schedule. We guarantee it! With our Online Banking and Online BillPay Guarantee, you can be assured the following about your online experience at Colorado State Bank and Trust:

• You are 100% covered should any unauthorized activity occur without your consent in Online Banking if you tell us within sixty (60) days of the transaction first appearing on your statement.
• We use encryption methods and other advanced technologies to protect your account information and privacy.
• We are committed to completing fund transfers between your Colorado State Bank and Trust accounts on time and according to your instructions.
• We will refund any late fees that are imposed by commercial billers based in the United States if we fail to timely initiate transfers.
• We are committed to stopping payments according to your instructions.

• You are 100% covered should any unauthorized activity occur without your consent in Online BillPay if you tell us within sixty (60) days of the transaction first appearing on your statement.
• Your BillPay payments will be made safely, accurately, and will be processed on the date you specify.
• Payments will arrive at the merchant within 7 business days from the date they are processed, however most payments will arrive within 2 to 3 business days.
• Should we cause you to incur any late fees that are imposed by commercial billers based in the United States, we will reimburse you for the amount of the late fee.

Colorado State Bank and Trust is dedicated to providing you safe and dependable Online Banking and Online BillPay. In order to qualify for this Guarantee,

• You must follow our Online Banking Terms and Conditions and our Online BillPay Terms and Conditions.
• You must review your account statement regularly and promptly report any unauthorized activity.
• You must never reveal your online Username and Password to anyone.
• You must not leave your computer unattended when using Colorado State Bank and Trust's Online Banking product.
• You must request transactions to take place in a timely manner according to the Online Banking Terms and Conditions and the Online BillPay Terms and Conditions, and have sufficient funds in your account to complete the transaction.
• You will not make "restricted" BillPay payments, such as court-ordered payments, tax payments, securities settlements, or international payments.
• You must request reimbursement of late fees in writing within thirty (30) days of the commercial biller's invoice showing the late payment charge. You must also provide a copy of the invoice with your request.