download transactions after quicken expires

Hello, my Quicken 2010 Premier is set to expire tomorrow.  I have already encountered inability to download transactions to 2 of my bank accounts.  I believe this is a violation of the terms of service, but that is another topic.

My understanding is even with Quicken expired, I should have the ability to manually download transactions from my bank website, and import into Quicken (QFX file).  However, when I attempt to do so, I get a message:

Quicken is currently unable to verify the financial institution information for this download.  Please try again later.
I then get a second message:
Your Quicken 2010 online services have been discontinued [OL-221-A]

Any suggestions out there?
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