About OnLine Banking

1. What is Washington Trust OnLine Banking?
   OnLine Banking is an Internet-based account management and bill-paying service.
   
   
2. How much does it cost?
   There is no charge for using either OnLine Banking or OnLine Bill Payment. Both services are free.
   
   
3. Do I need special software?
   No. Your Web browser is the only software you need.
   
   
4. What requirements must I meet?
   
   • You must have a Washington Trust account, loan or credit card.
   • You must register in OnLine Banking.
   • The recommended browsers for use with OnLine Banking are generally the most recent version and one prior of the following browser types: Microsoft Internet Explorer, Netscape, AOL, and Firefox. Support for new browsers and browser versions will generally be accomplished as they become publicly adopted.
   
   
5. How do I register?
   
   • You may register online. We will notify you by e-mail when your access is established.
   • If you choose you may also register in person, at any branch.
   
   
6. Once I have registered for OnLine Banking, how do I access the service?
   You may access OnLine Banking by pointing your browser to http://www.watrust.com and clicking on OnLine Banking at the Home Page. You will be asked to enter your unique User ID and Password.
   
   You may log on from any computer that has internet access and a 128-bit browser.
   
   
7. How often is my account information updated?
   Savings and checking balances are real-time and changes are normally reflected as transactions occur. Balances for other account types are as of the previous processing day.
   

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About Payments and Transfers

1. Should I use the Transfer function or Bill Payment option to make payments to my Washington Trust loans?
   Because it's faster for you, we recommend setting up an automatic payment for your loan account. Call or e-mail us to set up automatic payments. If you prefer, you may elect to make payments to your loan account using either the Transfer function or our Bill Payment service.
   
2. How should I time my online bill payments?
   You should allow three days for most electronic payments. Some payments may take up to five days. (Details are available when you register.)
   

About Browsers

1. What are the browser requirements for using OnLine Banking?
   The recommended browsers for use with OnLine Banking are generally the most recent version and one prior of the following browser types: Microsoft Internet Explorer, Netscape, AOL, and Firefox. Support for new browsers and browser versions will generally be accomplished as they become publicly adopted.
   
   
2. What should I do if I have problems downloading a new browser, or if I have trouble making it work?
   A wide variety of factors may influence browser performance. If you have difficulties upgrading your browser, contact Netscape or Microsoft, or your Internet Service Provider.
   
   
3. Can I use America Online to access OnLine Banking?
   Later versions of the browser provided with the AOL service generally work with Washington Trust OnLine Banking.
   
   

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About Security

1. How can I be sure my financial information will be safe?
   Washington Trust's OnLine Banking service utilizes the most current Web security features recommended for secure Internet transactions. We use:
   
   • 128-bit encryption
   • Unique login, User ID and Password
   • Timeout settings will automatically end your session after 10 minutes of inactivity. If you wish, you can shorten the length of the timeout setting using the Settings option.
   
   
2. What is encryption?
   Encryption was developed for military use in order to protect the privacy and security of information. On the Internet, it is used to scramble the content of a message before it is sent. 128-bit encryption is the strongest form of commercial encryption available. There are billions of possible keys available to unscramble your unique message, and every time you start a new session a new key is randomly selected.
   
   
3. Will all my transactions be encrypted?
   Yes. All Washington Trust OnLine Banking transmissions are encrypted and secure.
   
   
4. Will my e-mail be encrypted?
   Every e-mail message you send from the bank e-mail screens in OnLine Banking sessions will be encrypted. E-mail sent from other sections of the Washington Trust Web site is not encrypted.
   
   
5. What if I forget my password or enter it incorrectly?
   You have two options if you forget your password. You may choose to set up your personal validation information online, in which case you can retrieve your password by answering a series of questions only you will know the answers to. Or, you may request that we reset your password for you. You will find both options on the OnLine Banking login page.
   
   If you are unable to log in, you may contact Washington Trust's Priority Service for assistance.
   
   You may e-mail us, or call:
   
   Washington Trust Priority Service
   
   1-800-788-4578
   
   Hours:
   Mon.-Fri. 8 a.m.-9 p.m. PST
   Sat. 8 a.m.-5 p.m. PST
   
   
6. Can someone else get on my computer and view a previous online session?
   Settings on your computer determine whether or not pages are stored on your hard drive. For more information, call Washington Trust's Priority Service.