First Time Users to RubyNet Internet Banking

On our website, http://www.rubyvalleybank.com/, select "Enroll as New User". You can auto enroll in RubyNet if you have:

1. A checking account
2. The primary social security number on the account and,
3. The amount of the last deposit. (Please check the 24 Hour Better Banking by Telephone system if you need to verify the last posted deposit). After agreeing to the disclosure, you will be prompted to enter a password that must be between 6-10 characters, alpha, and numeric.

After completing the enrollment process, you will automatically be in RubyNet Internet Banking. Before you login again, you will need to complete the Security Update. The Security Update is completed by selecting and answering five questions for verification and access to RubyNet Internet Banking. You will also select a security key that identifies you are on the secure site. It is recommened that you print the question and answers for future reference. In addition, please update your browser to override automatic cookie handling. In Internet Explorer, the steps are: Tools, Privacy, Advanced, a Override automatic cookie handling. For updates to other browsers such as Netscape, please call us for assistance.

If you don't have a checking account, you will need to call the RubyNet Administrator to obtain an User ID and password before attempting to log into RubyNet.

SIGNING ON TO RUBYNET INTERNET BANKING

If you have completed the enrollment process and the security update, click on "Secure Login to RubyNet" to access your accounts. The first screen you are presented will ask for your User ID - this is your account number or nickname. Then enter the random code that is displayed. If RubyNet does not recognize your computer, you will be asked one of your security questions. When answered correctly, the final screen will display your security key and prompt you for your password. If this is your personal computer, select "Remember this Computer" to bypass answering the security question on your subsequent logins.

CHECKING YOUR BALANCE

Any accounts associated with the primary social security number will be displayed on the first screen, "BALANCE INQUIRY". Your account balances automatically appear when you log on. By selecting "GO" the available balance will reflect any deposits or withdrawals made since the last system update.

CHECK REORDER THROUGH HARLAND

You can reorder checks though Harland if you are not making any changes to your check order by selecting "REORDER" on the icon bar. If you need to make changes (style, etc.), please contact us at the Bank.

TRANSFER FUNDS BETWEEN ACCOUNTS

Click "TRANSFER" on the icon bar. Select the account you want to transfer money FROM and the account you want to transfer money TO. Enter the desired amount to transfer and click "GO." A verification screen will appear before the transaction is performed. If the information is correct, select "YES, CONTINUE." If not, cancel and correct the information. NOTE: Only accounts that are automatically set to transfer will appear in the FROM and TO account selections. If you would like to have another account available, you will need to contact the RubyNet Administrator to have that account enabled (loans, etc.)

PAYING BILLS

Important: Important: In order to have access to BillPay, you will first need to call the RubyNet Administrator. If the account is eligible, BillPay will be activated. When BillPay is activated a "PAY BILLS" icon will appear on the icon bar.

When you click on the "PAY BILLS" icon for the first time, you will be asked to verify the account number of your checking account. This is the account that will be deducted to pay bills. No savings or money market accounts are eligible to be the payment account. After accepting the BillPay online agreement, you will be presented options to set up payees and to make payments. Your payees will need to be set up prior to paying any bills. Any payee can be established by simply entering the requested information. You can pay any payee through BillPay-your babysitter, utilities and charge cards-electronically 24 hours a day. Keep in mind some payments will be drawn from your account electronically and deducted on the date requested. Please make sure you have ample funds in the account to avoid NSF charges from RVNB and from BillPay / CheckFree.

VIEWING ACCOUNT HISTORY

Select "HISTORY" from the icon bar, the appropriate account and your view option (last 15 checks/debits, current statement, check number, etc.) Click "GO" and the information will be listed for your review. When a transaction or check number is highlighted, you can simply click to see the front and back image of the check or transaction.

DOWNLOADING YOUR ACCOUNT INFORMATION TO YOUR FINANCIAL SOFTWARE

After selecting "DOWNLOAD" from the icon bar, you can select the "Download Type" and then "GO". If you use Quicken, select the "Download to Quicken" option. Follow the instructions after the account selection to help make account reconciliation easier and faster! If you are already a Quicken user, you will need to activiate your RVNB account through Quicken. After performing a One Step Update to update the financial institution information, access your account in Quicken and activate the transaction download. In Internet Banking select Web Connect Download for Quicken 2005. For the proper file format for your program, you can access Intuit's website for support and technical assistance at http://www.intuit.com/.

SECURE EMAIL & MESSAGE ALERTS

Using the email system within RubyNet is secure as it does not go to the public internet. Select "SECURE EMAIL" from the icon bar. Your name will be automatically populated. Simply address your email to someone or a department in the Bank. We will respond to your request within 8 business hours, or less, via email or telephone. When we respond via email, your email reply will appear as soon as you login to RubyNet. Alerts can also be established by clicking on "SET EMAIL ALERTS". Here you can be notified when your account balances reach a certain limit, if you simply want a reminder that your CD matures on April 1, 2005, or that Susie's birthday is November 2. You will need to supply your outside email address but again, private or confidential information will not be sent - only an alert.

Please do not use your outside email (i.e. yourname@3rivers.net) to send us account information or passwords. Remember, we will never send you an email asking for this information. Please call us if you do receive a request for any private and confidential information.

STOP PAYMENTS

Select "STOP PAYMENTS" from the icon bar. Select the account that you are requesting the stop pay. Enter the requested information. Appropriate service charges apply to the Stop Payment request. You will also need to print & complete the Stop Payment form and return to the Bank within 14 days or your request will be cancelled.

WHAT IS MY RUBYNET LOGIN?

Your RubyNet login is your primary checking account number for auto enrollment or the assigned numeric code provided by Ruby Valley National Bank.

CAN I CHANGE MY PASSWORD?

Yes, your password can be changed by clicking "PASSWORD" on the icon bar. Your password must be 6 -10 characters in length and a combination of alpha and numeric. You are encouraged to utilize a password that is something not easily identified-like your child's name, birth date, etc. If you add or remove someone on your account, please notify the RubyNet Administrator so that access can be restricted or denied on that person's RubyNet account.

WHAT IF I FORGET MY PASSWORD?

You are allowed three attempts to enter your password. On the third attempt, if invalid, you will be locked out of the system to protect your account. Click "Forgot Password". RubyNet will then ask you to answer the secret question you established when you auto enrolled. If you answer your secret question correctly, RubyNet will email a new password to you. You will enter this password when logging in. Upon a successful login, you will be presented the "PASSWORD" icon to change your password to something more easily remembered by you. If you were manually enrolled, you will need to call the RubyNet Administrator at (406) 684-5678 or (800) 281-1031 to have your password reset.

IS THE SYSTEM SECURE?

All RubyNet banking activity is protected by using SSL and a minimum of 128-bit encryption to ensure the highest levels of encryption. In addition, all RubyNet transaction requests pass through two distinct control and validation centers-the firewall and the Internet Banking Web Server. An Intrusion Detection system has been implemented to monitor network traffic and log any possible penetration attempts to the network. The enhanced secure login process also authenticates your computer and identity before allowing access to the system. The random code changes on each login to prevent the recreation of key strokes and your personal Security Key verifies you are on the secure site.