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Personal Online Banking Agreement -
Revision 12/14/12

Personal Online Banking Agreement

This Agreement governs the use of your Washington Trust (the "Bank") Online Banking Service (the "Online Banking Service" or "Service"), which allows you to access the following online services: account access ("Account Access"), bill pay ("Bill Pay Service"), and other banking services offered through the Service. You must have a Washington Trust checking account open and in good standing to use the Service. The terms, conditions, and disclosures for each of your Washington Trust accounts and loans continue to apply, notwithstanding anything to the contrary in this Agreement. By using the Service, you agree to the terms and conditions of this Agreement. Please read this Agreement carefully, and retain a copy for your records.

The laws of Rhode Island and applicable federal law govern this Agreement. If any provision of this Agreement is held to be unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable; additionally, all remaining provisions shall remain in full force and effect. The headings used throughout this Agreement are for convenience only and shall not govern the interpretation of the provisions. In the event of a dispute regarding the Service, you agree that it will be resolved by looking to the terms and conditions contained herein and in the Electronic Funds Transfer Agreement provided to you.

Washington Trust may assign this Agreement to any successor or to any now-existing or future direct or indirect subsidiary. Washington Trust may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or third parties. You may not assign your rights and responsibilities under this Agreement.

When you log on to the Service, you agree to be bound by the terms of this Agreement. Please read it carefully. You may request a copy of this Agreement and other agreements governing your accounts and services with Washington Trust by calling us at 1-401-348-1200 or 1-800-475-2265.

1. Definitions

As used in this Agreement, the words "Washington Trust" refer to Washington Trust. The words "you" and "your" refer to the person(s) or entity(ies) subscribing to or authorized to use the Service. The words "we," "us," and "our" refer to Washington Trust. The term "Business Day" means Monday though Friday, and excludes Saturday, Sunday, and all federal legal holidays. The term "Non-Business Day" means Saturday, Sunday or all federal legal holidays. The term "business hours" refers to normal operating hours of 8:30 a.m. to 5:00 p.m., Eastern Standard Time. The word "account" refers to all of your deposit and credit accounts at Washington Trust.

2. Products and Services Offered

Account Access

You may be able to use the Service to access the following types of accounts:

  • Checking accounts
  • NOW accounts
  • Savings accounts
  • Money market accounts
  • Certificate of Deposit accounts
  • Consumer loan accounts
  • Mortgage and Home Equity loan/line accounts

The Service allows you to:

  • View account balances
  • View check images
  • View monthly checking and savings statements
  • Place a stop payment on a single check or series of checks
  • Review recent transactions
  • Transfer money between accounts
  • Transfer money to pay balances on accounts with us
  • Set up automatic transfers
  • Set notifications for accounts
  • Import information to popular money management software
  • Create customized reports
  • Communicate with us via e-mail
  • Pay and receive bills electronically via the "Bill Pay Service"

Washington Trust will make reasonable effort to see that the transactions initiated through the Service on a Calendar Day are posted to your account immediately. If any account is a joint account, then account owners must agree to be bound by the Terms and Conditions set forth in this Agreement.

These activities are limited to the extent noted below and in the agreements governing various accounts. You should refer to these agreements for restrictions and service charges or fees.

Loan Payments

When you use the service to make payments on your WTC loans, please note that any payment more than one (1) current payment amount may be applied to reduce your outstanding principal balance. Any payment less than one (1) current payment amount may not be applied. If you intend to make a specific payment outside of your regular payment, you may contact our Loan Operations Department at 401-348-1336 or at 800-475-2265.

Bill Pay Service

The actual payment of all bills is handled by FIS Bill Payment service, not by Washington Trust. In order to utilize the Bill Pay Services option through our Online Banking Service, you must apply by going to the "Bill Payment" section of Online Banking, select one checking account to use for bill payment and accept the separate terms and conditions agreement for that particular service. By agreeing to the terms of the Bill Payment agreement you authorize WTC to debit your chosen checking account either electronically through the Automated Clearing House (ACH) or by check.

You understand and agree that we have no responsibility whatsoever for the timely delivery of mail or other problems arising in connection with transmissions over the Internet, or for the improper transmission or handling of payments by a third party, for example the failure of the bill payment Payee to properly post a payment to your account.

Signing Up for the Bill Pay Service

If you select the Bill Payment Service, you can pay bills either on an automatic or recurring basis, or periodically as you request. When you sign up for the Bill Payment Service, you must designate a personal checking account with us as your Bill Payment Account. You may make bill payments in any amount up to $9999.99. All bill payments must be payable in U.S. dollars to a payee ("Payee") located in the United States.

You need to provide us with the:

  • Complete name of the Payee (as shown on your invoice).
  • Account number to which the payment is to be credited (as shown on your invoice).
  • Payee's remittance address (as shown on your invoice).
  • Amount of the payment.
  • Date you want the payment debited (withdrawn) from your Bill Payment Account.
  • Any other information we require to properly debit your account with us and credit your account with the Payee.

We reserve the right to refuse to pay any Payee designated by you; if we do so, we shall notify you promptly.

Scheduling Payments

When you schedule a bill payment using the Bill Pay Service, you authorize the necessary funds to be withdrawn from your checking account with us. The payment amount cannot exceed $9999.99.

You should schedule a payment to a new payee at least five (5) Business Days before any payment due date, to allow time to set up the payee and verify information about your account with the payee.

For all subsequent payments, you agree to allow at least five (5) Business Days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period.) If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payee does not receive the payment in a timely manner, the Bill Pay Service will work with the payee on your behalf to attempt to have any late fees or charges reversed.

If the online session during which you schedule a payment ends by 10:00 p.m. Eastern Standard Time, Washington Trust will be considered to have received it on that day. Otherwise, it will be considered received on the following Business Day.

Funds Availability

Payments will be debited from your account the next business day following the date the payment is scheduled to be sent to the payee, as designated by you in your instructions. If the payment is scheduled to be debited from your account other than on a Business Day, it shall be debited from your account on the following Business Day.

Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a Non-Business Day, funds must be available in your Bill Pay account the following Business Day (e.g. Monday). After funds are withdrawn from your Bill Pay Account to make a payment, the Bill Pay Service may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.

If your Bill Pay Account does not have sufficient funds to make a payment as of the date the transfer or payment is attempted or scheduled to be made, the Bill Pay Service will make three attempts to retrieve the funds. The Bill Pay Service will attempt to notify you by U.S. Postal Service. Washington Trust shall have no obligation or liability if a transfer or payment is not completed because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Service. The Bill Pay Service will place a block on your bill payment access until you can make good on the funds.

Canceling or Changing a Bill Payment

You have the right to cancel or change a bill payment transaction. The way to cancel or change a payment is to use the Bill Pay Service. Payments must be changed or canceled using the Service prior to 10:00 p.m. on the Business Day the transaction is scheduled to be initiated. To cancel a payment after it is issued, please call us at 1-401-348-1200 or 1-800-475-2265. You will be charged a stop payment fee. Stop payments, whether oral or written will be in effect for a period of six (6) months. After six months, any stop payment will terminate and must be renewed in order to continue to be in effect. The Bill Pay Service may pay any item that is presented following the lapse of any stop payment order.

Our Liability

Washington Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. Washington Trust will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee's address or account number unless you have advised the Bill Pay Service of the change sufficiently in advance, for the failure of any payee correctly to account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Washington Trust.

3. WARRANTY DISCLAIMER

The software related to the Service is provided "as is" without warranty of any kind. You assume the entire risk as to results and performance of the software related to the Service. We do not warrant, guarantee, or make any representations regarding the use of, or the results of the use of, the software related to the Service in terms of correctness, accuracy, reliability, currentness, or otherwise.

NEITHER WE NOR OUR SUPPLIER MAKE ANY REPRESENTATIONS OR WARRANTY OF ANY KIND REGARDING USE OF THE SOFTWARE RELATED TO THE SERVICE, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW.

Further, we will not be liable for any indirect, special, consequential, economic or other damages. In states that do not allow the exclusion or limitation of liability for indirect, special, incidental or consequential damages, our liability is limited to the extent permitted by applicable law.

4. LIMITATION OF LIABILITY

Under no circumstances and under no legal theory, tort, contract, or otherwise, shall we or our supplier be liable to you or any other person for any indirect, special, incidental, or consequential damages of any character, including, without limitation, damages for loss of goodwill, loss of use, data, profits, work stoppage, computer failure or malfunction, software failure, or any and all other commercial damages or losses. We are also not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetected virus may corrupt and destroy your program, files, and hardware. In the event of any such defects or computer virus caused by the software related to the Service, our sole responsibility shall be limited to the replacement or reasonable cost of replacement of such software provided in connection with the Service.

5. WASHINGTON TRUST'S RIGHT TO TERMINATE

Washington Trust reserves the right to terminate this Agreement and your access to the Service, in whole or in part, at any time. We may choose to stop your access to the system if you do not use it for any consecutive 90-day period.

6. YOUR RIGHT TO TERMINATE

You may cancel your Service at any time by providing us with written notice by postal mail in accordance with the instructions set forth in Section 19 below.

Your access to the Service will be suspended within three (3) Business Days of our receipt of your instructions to cancel the Service. You must cancel all future bill payments, whether recurring or individual payments, when you terminate the Service, or we may continue to process such payments. You will remain responsible for all outstanding fees and charges incurred in connection with the Service.

7. CHANGES IN TERMS

At any time, we may change the terms of this Agreement. Changes to fees applicable to specific accounts are governed by applicable account disclosures.

If the change involves an increase in fees or charges, an increase in your liability, or stricter limitations on the frequency of transfers, we will provide you with notice of the change at least thirty (30) days prior to the change's effective date, unless an immediate change is necessary to protect the security of an account or of the Service.

If advance notice of the change is not required, and disclosure of said change does not jeopardize the security of an account or of the Service, we will notify you of said change within thirty (30) days of the change becoming effective.

To the extent permitted by applicable law, if you have previously agreed to receive notices and disclosures electronically, we will forward such notices to you by e-mail or post such notices on our website and alert you by e-mail of the posting of such notice.

Your continued use of any or all features of the Service indicates your acceptance of the change in terms.

8. REQUIREMENTS FOR USE

To use the Service, you must have at least one Washington Trust checking account, access to Internet service, recommended Internet browser software, and an e-mail address. Washington Trust will provide instructions on how to use the Online Banking service. The browser software that you use must support the level of encryption employed by Washington Trust, a minimum of 128-bit encryption.

9. WHAT TO DO IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ONLINE BANKING AND BILL PAY ELECTRONIC TRANSFERS

In Case of Errors or Questions about Online Banking and/or Bill Pay electronic transfers, call or write us at the telephone number or address listed below as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the 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 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

THE WASHINGTON TRUST COMPANY
ATTN: ONLINE BANKING 23 BROAD STREET
WESTERLY, RHODE ISLAND 02891

Business Days: Monday through Friday Excluding Federal Holidays
Phone: (401) 348-1200 or 1-800-475-2265

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
Please refer to the Washington Trust Electronic Fund Transfers Your Rights and Responsibilities document for information regarding other types of electronic transfers.

10. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS

You should notify us immediately if you believe your Online Banking password has been lost or stolen or if you believe there have been any unauthorized transactions on any of your accounts. To notify us, call 1-401-348-1200 or 1-800-475-2265, Monday through Friday, between 8:30 a.m. and 5:00 p.m., Eastern Standard Time, or send us notice by e-mail, fax, or mail as described in Section 19 below.

If you tell us within 2 business days after you learn of the loss or theft of your Online Banking User ID and/or Password, you can lose no more than $50 if someone used your Online Banking User ID and/or Password without your permission.

If you do NOT tell us within 2 business days after you learn of the compromise, loss or theft theft of your Online Banking User ID and/or Password, and we can prove we could have stopped someone from using your Online Banking User ID and/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 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.

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

11. OUR LIABILITY FOR FAILURE TO MAKE A TRANSFER

Liability for failure to make transfers. 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 will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

(1) If, through no fault of ours, you do not have enough money in your account to make the transfer.
(2) If you have an overdraft line and the transfer would go over the credit limit.
(3) Your User ID or Password has been reported lost or stolen or your service privileges have been suspended.
(4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(6) If your account is frozen because of a court order or other legal process or procedure.
(7) There may be other exceptions stated in our agreement with you.

12. USER ID AND PASSWORD

Upon successful enrollment in the Service, you will be provided with instructions that will grant you access to the Service. You are solely responsible for ensuring the confidentiality of your password. You agree not to allow anyone to gain access to the Services or let anyone know your password used with the Services. You should treat your password with the same degree of care and secrecy that you use to protect your ATM card PIN or other sensitive financial data. To protect your account(s):

  • Do not share your password with anyone.
  • Do not store your password in a conspicuous place
  • Do not walk away from your computer while logged on to Online Banking.
  • Do exit from your Online Banking session when you are finished using it.
  • Use anti-virus software to keep your personal computer clean and free of viruses.
  • Review and reconcile your account activity on a regular, timely basis.

We recommend that your password not be easily associated with any personal information, such as your address, date of birth, or anniversary. Your password should be memorized, and never written down. You are not required to change your password but we strongly recommend that you frequently change your password. You will be prompted to change your "User ID" and "Password" the first time you logon to the service.)

You agree that we are authorized to act on any and all instructions received under your password, and you agree that the use of your password will have the same effect as your signature authorizing the transactions. If you authorize other persons to use your password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization and changed your password, and you are responsible for any transactions made by such persons until you notify us that transfers by that person are no longer authorized and we have a reasonable opportunity to act upon the change of your password. Should you enter your password incorrectly on three (3) consecutive attempts, you will be blocked from accessing the Service. If this should happen, please call us at 1-401-348-1200 or 1-800-475-2265.

13. HOURS OF ACCESS

You may access your accounts through the Service seven (7) days a week, 24 hours a day. However, at certain times, some or all features of the Service may not be available due to system maintenance. We will post notice of any extended periods of non-availability on our website at www.washtrust.com.

14. FEES AND CHARGES

By using the Service, you agree to pay the associated fees and charges, as set forth in the most current fee schedule. The Bill Pay monthly fees cover service for the previous month and are effective upon enrollment in the Bill Pay feature. Applicable fees, as disclosed in the most current fee schedule will be charged to your payment account, regardless of whether any bill payments are made during the month. If the payment account has insufficient funds to cover fees, the Bank may deduct the fees from any other checking account linked to the Service or any other deposit account at the bank, which you own. If the fee cannot be paid, we may cancel the Bill Pay Service.

15. NEW SERVICES

Washington Trust may, from time to time, introduce new features to the Service. We will update this Agreement to notify you of the existence and availability of such new features. By using these features when they become available, you agree to be bound by the terms and conditions contained in the Agreement.

16. TRANSACTION LIMITS

You may access your account(s) by computer 24 hours a day at www.washtrust.com using your computer internet access, user ID, and a password, to:

  • make transfers between your checking, NOW, savings or money market accounts
  • make payments from your checking, NOW, savings or money market accounts to Washington Trust loan accounts
  • make payments from checking or NOW to third parties
  • obtain information about your deposit accounts and loan accounts

Please note the following limitations apply:

  • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per calendar month with no transfers by check, debit card or similar order to third parties.
  • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, debit card, or similar order to third parties are limited to six per calendar month.

If a hold is placed upon any portion of deposits made to an account from which you wish to transfer funds, you may not transfer the portion held until the hold expires.

17. STOP-PAYMENT REQUESTS

You may initiate stop-payment requests on a check or series of checks online or by calling us at 1-401-348-1200 or 1-800-475-2265. Any such request must be timely and reasonably describe the Payment by the exact dollar amount of the Payment, the check number and any other information that would assist us in identifying the Payment. We must receive your request in such a way and in time for us to be able to act on it. Online stop payments are effective for 6 months after date accepted and automatically expire after that period unless renewed online or in writing. To revoke a stop payment a signature is required.

Verbal requests are valid for 14 days only unless you confirm the order with your signature (on the proper form) within a 14 day period. If you do not confirm your verbal request in writing during this time period, and the Payment is scheduled to be issued following the expiration of this time period, we may issue the Payment without any liability to you. A form will be mailed to you within two business days from the date we receive the request. Properly signed Stop Payment Orders are effective for 6 months after date accepted and will automatically expire after that period unless renewed online or in writing. Such stop payments may only be initiated for paper checks you have written on your accounts (not electronic payments). Please refer to the "Electronic Funds Transfers - Your Rights and Responsibilities" disclosed previously to you. Stop payments for bill payment initiated through the System should be handled by calling us as outlined in Section 2 of this agreement.

18. PERIODIC STATEMENTS

All of the payments and transfers made through the Service will appear on your monthly account statement(s).

19. NOTICES/ADDRESS CHANGES

If you send us an e-mail message, we will be deemed to have received it on the following Business Day. We will then have a reasonable time to act on your e-mail. E-mail transmissions may not be secure. Thus, we request that you do not send us or ask for sensitive information such as account numbers, passwords, account information, etc. via e-mail. There may be times when you need to speak with someone immediately (especially to report a lost or stolen password, or to stop a payment). In these cases, do not use e-mail. Instead, call us at 1-401-348-1200 or 1-800-475-2265. Additionally, notifications for disputes, account closings and other official communications should be in writing, delivered by mail or in person, not faxed or sent via e-mail.

We may send notices to you by e-mail, if you consent. We may rely upon your address, including, without limitation, your e-mail address as it appears on our records for any and all communications we send you unless or until you notify us in writing, by fax or by e-mail as set forth below and we have had a reasonable opportunity to act on such notice.

Notifications, as applicable, should be forwarded to the following:

Method of Notification: Send To:
E-Mail info@washtrust.com
Postal Mail THE WASHINGTON TRUST COMPANY
23 Broad Street, Westerly, RI 02891
Attn: Online Banking
Fax 401-348-1294

20. CONSUMER PRIVACY AND CONFIDENTIALITY

The importance of maintaining confidentiality and privacy of the information provided by our customer is one of our highest priorities. You should carefully review our privacy policy as stated on our website at www.washtrust.com.

21. GEOGRAPHIC RESTRICTIONS

The Service described in this Agreement is solely offered to citizens and residents of the United States residing in the United States.

Washington Trust online banking/Bill Payment Service Fees
Bill Payment Service Stop Payment $25.00 each
Bill Payment Service check copy $15.00 each

22. FinanceWorks & Debit Rewards Offers - End User License Agreement

In addition to the above content, if you decide to use either FinanceWorks or the Debit Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.

LICENSE GRANT AND RESTRICTIONS. You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the FinanceWorks Service (the "Service") solely to manage your financial data, and the purchase rewards application ("Debit Rewards Offers") to benefit from your debit card purchases.

In addition to the FinanceWorks Service and the Debit Rewards Offers, the terms "Service" and "Debit Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Debit Rewards information, help content, bug fixes, or maintenance releases, etc.) of the Service or Debit Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Service and Debit Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions.

You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from the FinanceWorks site or from the Debit Rewards Offers program; (iii) permit any third party to benefit from the use or functionality of the Service or Debit Rewards Offers, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in the Service, use any tool to enable features or functionalities that are otherwise disabled in the Service, or decompile, disassemble, or otherwise reverse engineer the Service except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Service or Debit Rewards Offers or any services provided in connection with them, prevent access to or the use of the Service, Debit Rewards Offers or any or services provided in connection with them by other licensees or customers, or impose an unreasonable or disproportionately large load on the infrastructure while using the Service; or (vii) otherwise use the Service, Debit Rewards Offers or any services provided in connection with them except as expressly allowed under this Section 1.

OWNERSHIP. The Service and Debit Rewards Offers are protected by copyright, trade secret and other intellectual property laws. You do not have any rights to the trademarks or service marks.

YOUR INFORMATION AND ACCOUNT DATA WITH US. You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the Service, Debit Rewards Offers or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the Service, Debit Rewards Offers or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for the Service, Debit Rewards Offers or any services provided in connection with them, and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the Service, Debit Rewards Offers or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the Service, Debit Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.

We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we collect and store, or which is collected and stored on our behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs.

YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non-personally identifiable information of yours for the following purposes: (i) as pertains to the use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected; (iii) for measuring downloads, acceptance, or use of the services you have selected; (iv) for the security or protection of the services you have selected; (v) for the evaluation, introduction, implementation, or testing of the services you have selected, or their upgrade, improvement or enhancement; (vi) to assist us in performing our obligations to you in providing the services you have selected. If we make additional online financial services available to you which are applicable to data that you have transacted with other financial institutions or card issuers, and which we will aggregate at this site, we will separately ask for your consent to collect and use that information to provide you with relevant offers and services. If you give us your consent, you will be agreeing to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you.

USE, STORAGE AND ACCESS. We shall have the right, in our sole discretion and with reasonable notice posted on the FinanceWorks site and/or sent to your email address provided in the Registration Data, to establish or change limits concerning use of the Service and any related services, temporarily or permanently, including but not limited to (i) the amount of storage space you have available through the Service at any time, and (ii) the number of times (and the maximum duration for which) you may access the Service in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Licensee Access Information or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the Service and any related services to which such changes relate. Your continued use of the Service or any related services will constitute your acceptance of and agreement to such changes. Maintenance of the Service or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in such Service or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.

THIRD PARTY SERVICES. In connection with your use of the Service, Debit Rewards Offers, or any other services provided in connection with them, you may be made aware of services, products, offers and promotions provided by third parties, ("Third Party Services"). If you decide to use Third Party Services, you are responsible for reviewing and understanding the terms and conditions governing any Third Party Services. You agree that the third party is responsible for the performance of the Third Party Services.

THIRD PARTY WEBSITES. The Service may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the Service, Debit Rewards Offers or any other services provided in connection with them is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.

EXPORT RESTRICTIONS. You acknowledge that the Service may contain or use software that is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the Service, directly or indirectly, to: (1) any countries that are subject to US export restrictions; (2) any end user who has been prohibited from participating in US export transactions by any federal agency of the US government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by US law.

DEBIT REWARDS OFFERS. If you decide you wish to participate in the Debit Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.

Debit Rewards. You will earn rewards for your participation in the Debit Rewards Offers program based on total purchases. If you participate in the Debit Rewards Offers, we will credit all cash or point rewards earned to your rewards balance and send you a lump sum of all rewards due to you. For any qualifying purchases during the current month, we will distribute the lump sum amount to you during the following calendar month. For example, if the payment date of all rewards end user disbursements is August 30, the applicable Measurement Period would be the calendar month ended July 31. Cash rewards will be deposited in the Debit Rewards Offers deposit account which is associated with the Debit Rewards Offers program.

Debit Rewards Offers Account. You must use the debit card associated with the Debit Rewards Offers account in order to receive the offers which qualify for the rewards. Rewards will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types.

Purchases must be made as indicated in the offers made available under the Debit Rewards Offers program. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such as offer expiration dates, minimum purchase amounts, purchase limits, etc. You must also pay using the debit card associated with the account that received the Debit Rewards offer in order for the purchase to qualify.

While we and the merchants work hard to properly track and credit all eligible purchases, there may be times that we are unable to do so because of problems with your internet browser, the merchant's web site or our system. Please contact our support team if you believe you have made a qualifying purchase for which you did not receive Rewards.

Please note that you will not earn rewards as part of this program if you use a debit card not issued by us or do not have the designated deposit account opened with us at the time of disbursement.

You understand and agree that we make no warranties and have no liability as to:
Any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the Debit Rewards Offers program.
The rewards information that we provide to you, which is provided "as is" and "as available".
(i) your inability to comply with offer guidelines, (ii) the accuracy, timeliness, loss or corruption, or mis-delivery, of any qualifying purchase information or any other information, (iii) unauthorized access to your account(s) or to your account information and any misappropriation, or alteration, of your account information or data, to the extent that the unauthorized access results from your acts or omissions, or (iv) your inability to access your account(s) including, but not limited to, failure of electronic or mechanical equipment, interconnect problems with telephone providers or internet service providers, acts of God, strikes, or other labor problems.

Some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.

Welcome to Internet Bill Pay

ELECTRONIC BILL PAYMENT AUTHORIZATION
I AUTHORIZE my financial institution to post payment transactions generated by phone and/or PC from the Bill Paying Service to the account indicated on the form being sent electronically. I understand that I am in full control of my account and that my 100% satisfaction is unconditionally guaranteed. If at any time I decide to discontinue service, I will provide written notification to my financial institution. My use of the Bill Paying Service signifies that I have read and accepted all terms and conditions of the Bill Paying Service.

I UNDERSTAND that payments may take up to 10 business days to reach the vendor and that they will be sent either electronically or by check. My financial institution is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.

The Washington Trust Company
© 2011 Washington Trust Company | All Rights Reserved
Important Information about FDIC Insurance Coverage
Maintenance

System Maintenance

October 26, 2014
12:30 a.m. until 4:30 a.m.

Due to system maintenance, Online Banking and Mobile Banking will be unavailable on Sunday, October 26 between the hours of 12:30 a.m. and 4:30 a.m.