What are the benefits of Online Banking?
What do I need to access Peoples Connect Online Banking?
How do I enroll for Online Banking?
How long does the enrollment process take?
What does this service cost me?
What accounts can I access?
Why do I need to answer challenge questions?
What if I have forgotten the answers I gave for the challenge questions?
Why do I need to register my computer?
What if I don't register my computer?
Why is an email address required?
What is this picture/ image for?
Can I change my challenge questions?
Can I change the image / picture being displayed?
How do I change my email address?
Why can't I see my full account number(s)?
What if I have forgotten my Password and I get locked out?
When can I access Online Banking?
If I share an account with another person, can we share an Access ID and Password?
How recent are the account balances and transactions that I view in Online Banking?
Do you have instructions on how to use Online Banking?
Can I view my Checking Account statements and check images through Online Banking?
If I have questions regarding Online Banking, who should I contact?
If I transfer funds within Online Banking, when will it be posted to my accounts?
How secure is Online Banking?
What can I do to increase my security and prevent Identity Theft?
When I try to view my cancelled checks, I receive a message that says, "No Active Session"
How do I unregister my Computer?

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1. What are the benefits of Online Banking?

Online Banking provides you with a safe, secure and easy way to access your Peoples Trust Company accounts 24 hours a day, 7 days a week, anywhere, all at your convenience. Using your Personal Computer, Access ID, and Password you will be able to obtain:

• Account balances for Checking, Savings, Certificate of Deposits and Loans
• Transfer funds between Checking, Savings and Line of Credits
• Make Loan payments from your Checking or Savings Accounts
• View check and deposit images
• View or download current and previous statements in various file formats

2. What do I need to access Peoples Connect Online Banking?

To use Peoples Connect Online Banking you will need:

• To enroll in this service and obtain an Access ID and Password (See #3 below)
• A Peoples Trust Company account
• A computer with Internet access and specific browsers
• An email address
• You will need a secure browser. This site requires a browser that supports 128-bit encryption. Mac users please note, service will only work with Netscape
• Microsoft Internet Explorer 5.0 or greater. To access some export options, version 5.5 is required
• Netscape Navigator 4.72 or greater. To access some export options, version 6.1 is required
• Mac users please note, service will only work with Netscape
• We recommend that your screen resolution be set to 800 x 600 pixels for best viewing

3. How do I enroll for Online Banking?

• Contact us at 802-524-2196 or 1-800-479-2196 or stop by one of our branches.
• You will be asked to provide your name, Peoples Trust Company account(s) information and answer some security and identification questions
• You will be assigned a unique Access Code and Password that will allow you access to Online Banking
• You will be required to accept our Online Banking Disclosure and change your Access ID and Password
• You will be required to enroll in our enhanced online banking security program.

4. How long does the enrollment process take?

The enrollment process, either by phone or in person, should only take about ten minutes of your time. Once you have requested this service and obtained your assigned Access ID and Password from us, you will be able to access Online Banking.

5. What does this service cost me?

Our Peoples Connect Online Banking lets you manage your money better, faster and best of all it's absolutely free!

6. What accounts can I access?

You will be able to access your Peoples Trust Company Checking, Savings, Certificate of Deposits and Loan Accounts with us.

7. Why do I need to answer challenge questions?

You are required to select and provide answers to three challenge questions as a part of our enhanced online banking security program. This security measure will be used in certain circumstances to insure the bank can adequately identify you.

8. What if I have forgotten the answers I gave for the challenge questions?

You will be allowed three tries when responding to a challenge question before being locked out of online banking.

9. Why do I need to register my computer?

You are not required to register the computers you use, however, registering personal computers you use often allows the bank to identify you. We recommend that you only register personal computers you use frequently and not public computers. There is no limit on the number of personal computers you may register.

10. What if I don't register my computer?

If you choose not to register your computer we will use other security measures to authenticate who you are.

11. Why is an email address required?

When accessing online banking from a unregistered computer, you have the option to answer a challenge question or have a one time password emailed to you. If you select the one time password, your email address will be used.

12. What is this picture/ image for?

Every online banking customer will have an authentication image randomly assigned to them during the online enrollment process. You will be asked to enter a phrase that will identify the image. Your image and pass phrase will be displayed every time you log in to online banking. This will allow you to identify us and that you are at the correct website and have not been phished upon.

13. Can I change my challenge questions?

Absolutely! Log in to online banking, select "User Options", change Security Data.

14. Can I change the image / picture being displayed?

Yes you can. There are thousands of images to choose from. From "User Options", select: change Security Data, change Image. You may also want to change your pass phrase to match your selected image.

15. How do I change my email address?

You may change your email address by logging into online banking and selecting "User Options", change email address.

16. Why can't I see my full account number(s)?

For your protection your account numbers are masked with the last three or four numbers being displayed.

17. What if I have forgotten my Password and I get locked out?

In the event you forget your Password, responses to your selected challenge questions or get locked out, please contact us or stop by one of our branches so we may reset your account access.

18. When can I access Online Banking?

Online Banking is available 24 hours a day, 7 days a week. Online Banking transfers and payments made by 4:00 PM EST on a business day will post on the same day. Transactions conducted after 4:00 PM EST, on weekends or holidays, will post on the next scheduled business day. Please refer to our schedule of business days.

19. If I share an account with another person, can we share an Access ID and Password?

Your Access ID and Password are unique to you and should never be shared with anyone, as this is the key to all your Peoples Trust Company accounts. Each account owner can enroll in Online Banking and will be provided with a unique Access ID and Password.

Here are some helpful tips to safeguard your Access ID and Password:

• Do not disclose any of your Online Banking Access ID's, Passwords, or other security data such as, challenge question responses, pass phrase or image to anyone and do not write them down where they may easily be found
• This information should be considered confidential
• Never provide personal information requested via e-mail or an e-mail link. Peoples Trust Company will never request confidential information through e-mail
• Change your Passwords frequently
• Call us immediately if you suspect that your Access ID or Password has been compromised

20. How recent are the account balances and transactions that I view in Online Banking?

Your account information is updated nightly, which means your account information will be accurately reflected with any account activity from the previous business day on next business day (i.e. Monday's transactions would be reflected on Tuesday). We will also make Direct Deposits available to you on the morning the entry is scheduled to post to your account.

21. Do you have instructions on how to use Online Banking?

We offer several ways to become more familiar with Online Banking:

• Test-driving our Online Banking demo will give you a chance to see the functionality and information available
• You may access the online help feature within Peoples Connect Online Banking
• And as always, please feel free to contact us by phone or stop by one of our branches

22. Can I view my Checking Account statements and check images through Online Banking?

Absolutely! You will be able to view your Checking Account statements as well as check and deposit images for the past 12 months. You will also be able to download the current and previous statements in various file formats for reconciliation purposes.

23. If I have questions regarding Online Banking, who should I contact?

Please contact our Customer Call Center at 802-524-2196 or 800-479-2196, or stop by one of our branches.

24. If I transfer funds within Online Banking, when will it be posted to my accounts?

Transfers or payments made through Online Banking will post on the current business day if made before 4:00 PM EST. Transfers or payments made after 4:00 PM EST, or on a non-business day, will be considered a next day business transaction. You will be able to see the posting date by viewing the current business activity.

25. How secure is Online Banking?

The security and protection of your accounts and our systems are of the utmost importance to us. We take extraordinary care in providing a safe and secure Online Banking delivery system. Some of the security measures we take are:

• Data encryption between the customer browser and our Web Server. We utilize Secure Sockets Layer (SSL) 128 bit Encryption via digital certificates issued by Verisign
• We utilize two separate firewalls to control, direct and authenticate allowed communication from the World Wide Web
• System architecture has been designed to control authorized access to customer and account information from the World Wide Web
• We have dedicated resources that provide a host of monitoring techniques to detect unusual or unauthorized activity
• Access to Online Banking is restricted to (4) attempts before the account is locked-out. If this occurs, you will need to contact Peoples Trust Company in order to have the account unlocked. This measure is used to reduce the possibility of someone "guessing" a customers password by having too many attempts without locking the account. If an account was repeatedly locked out, it may suggest inappropriate access attempts.

26. What can I do to increase my security and prevent Identity Theft?

You can provide additional security for your Online Banking activity by:

• Not disclosing any of your Online Banking Access ID's or Passwords to anyone
• Not writing your Access ID or Password down where they may easily be found
• Never provide personal information requested via e-mail or an e-mail link. Peoples Trust Company will never request confidential information through e-mail
• Always using the latest version of your browser. We do require the use of a browser that is capable of 128 bit encryption
• Never leave your computer unattended once you have signed on to Online Banking. If you leave your computer, be sure to log off from your Online Banking session
• Utilize up-to-date anti-virus software for all your Internet activity

27. When I try to view my cancelled checks, I receive a message that says, "No Active Session."

Your computer may be storing a previously viewed item. Clearing your temporary Internet files may resolve the problem.

For Internet Explorer, please do the following:

• From the TOOLS menu, select INTERNET OPTIONS
• Under TEMPORARY INTERNET FILES, click on DELETE FILES (wait until the hourglass disappears)
• Under TEMPORARY INTERNET FILES, click on SETTINGS
• Under CHECK FOR NEWER VERSIONS OF STORED PAGES, click EVERY VISIT TO THE PAGE
• Click OK
• Click on the ADVANCED TAB
• In the SECURITY SECTION at the bottom, click on EMPTY TEMPORARY FILE WHEN BROWSER IS CLOSED
• Click APPLY
• Click OK
• Instruct the customer to close the browser before trying to log in again

28. How do I unregister my computer?

Please do the following:

• Right click on the START button located in the lower left-hand corner of the PC.
• Select Explore and open by doing a left click.
• Under Local Disk (C:), click on the Documents and Settings Folder.
• Under the Documents and Settings Folder, click on the Profile Name of the individual currently using the computer.
• Under the Profile Name, click on the Application Data Folder.
• Under the Application Data Folder, click on the Macromedia Folder.
• Under the Macromedia Folder, click on the Flash Player Folder.
• Under the Flash Player Folder, click on the #Shared Objects Folder.
• Under the #Shared Objects Folder, click on the remaining folder showing a randomly generated name.
• Under the folder with the randomly generated name, you should see a folder called peoplestrustcompany.com.
• Right click on the peoplestrustcompany.com folder and select Delete.
• Close EXPLORER by clicking on the X in the upper right hand corner.

You will also need to clear the browser's cookies by performing the following:

For Internet Explorer:

• From the TOOLS menu, select INTERNET OPTIONS
• Under TEMPORARY INTERNET FILES, click on DELETE FILES (wait until the hourglass disappears)
• Click OK to close.

The computer will now be unregistered.

Rev.11/07