COMMUNITY ONLINE SIGNUP

Community OnLine Agreement

This agreement applies to personal accounts only. For business customers interested in signing up for Community OnLine, please contact your Relationship Manager or e-mail us at comcent@cbank.com..

You must agree to the Community OnLine Banking Agreement before accessing any Community OnLine banking services. Please download and save a copy of this agreement for your records.
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Community OnLine Banking Agreement

1. Introduction
   This Community OnLine Banking Agreement (“Agreement”) sets forth the terms and conditions of the Community OnLine Banking Service (“Service”) offered by Community Bank (“Bank” and “us”). In this Agreement, the term “you” refers to each owner and authorized signer on the accounts that are accessed through the Service. Each time you access an account through the Service, you confirm your agreement to these terms. Please see Section 25 regarding electronic communications involving the Service and this Agreement. The terms and conditions in this Agreement also govern the Bill Payment Service (“Bill Payment”) that is available upon the completion and Bank approval of a separate Community OnLine Bill Payment Enrollment Form.
2. Services
   You can perform the following transactions, depending on the services you request and the accounts tied to the Service:
   • View account balance information and transaction history,
   • Transfer money between your eligible accounts,
   • Arrange for automatic monthly transfers from one Bank account to another,
   • Make payments to others from your eligible accounts,
   • Submit stop payment requests, and
   • Communicate with us by electronic mail (“e-mail”)
   We may make other Services available to you from time to time. Unless we state otherwise, they will be subject to the terms of this Agreement.
3. Computer Requirements
   You are responsible for the selection, installation, maintenance, and operation of your computer and software. We assume no responsibility for any error or malfunction by your computer or software, or for any computer virus or similar problems you may experience with the Internet or your Internet service provider. Please see Section 25 regarding Service computer requirements. You must use equipment and software that are compatible with our system, which may change from time to time. Any material changes to our equipment or software requirements shall be accordingly communicated to you.
4. On-line Banking Accounts
   In order to use the Service, you must have a checking account with us, access to the Internet, and an e-mail address. When you enroll in the Service, all accounts on which you are a “Signer” or “Owner” will automatically be given to you for online access. (Refer to Section 23 below for the terms and conditions that affect your accounts.) Any signer on any account on which you are an owner will have the ability to conduct online transactions involving those accounts. Even though an account may require more than one signature for the withdrawal of funds (e.g., by check), we may act on the oral, written or electronic instruction of any one of the authorized signers for Service transactions. You must notify us if you choose not to have access to certain accounts. At our discretion, we may refuse to allow certain accounts to be linked to the Service.
5. Accessing the Service
   This Service requires the use of a login ID and a password which you will select the first time you access the Service. Each individual who has access to the Service must choose a password. You should memorize your password and change it periodically. We may act on any Service instruction that is accompanied by your login ID and password. You agree not to disclose your login ID or password to anyone. You are responsible for keeping your login ID and password confidential. Never place them on or near your computer. If you forget your password, contact us to have a new one issued to you. We may suspend access to the Service if there are three unsuccessful attempts to enter a password.
6. Hours of Operation
   You can access your accounts through the Service seven days a week, 24 hours a day. There may be times, however, when all or part of the Service is unavailable due to system maintenance. We will post notice of any known extended periods of system unavailability on the web site as soon as reasonably practicable. We are not responsible for any loss or damage that may result from the unavailability of the Service.
7. Account Balance and Transaction Information
   You can use the Service to obtain account balance and transaction information. Please note that the information provided may not include recent transactions and may include funds that are not available for immediate withdrawal. Balance and transaction information generally reflect activity including the current day’s posting of deposits, withdrawals, checks written by you and presented to the Bank for payment, and other miscellaneous credits and charges. You should communicate with other users on your account regarding transfers and bill payments in order to avoid inadvertent overdrafts.
8. Transfers
   You may transfer funds between your linked savings and checking accounts. Transfers cannot be made from time deposit accounts. Transfers initiated on or before 5:00 p.m. (Pacific Time) on a banking day will be posted to your account on the same day. All transfers completed after that hour or on a Saturday, Sunday or holiday may be posted on the next banking day.
9. Electronic Mail
   You can use the Service to send us electronic mail (“e-mail”). Since e-mail can be subject to delays and may not be reviewed by us until the next banking day, you should not rely on it if you need to communicate with us immediately (e.g., to report an unauthorized transaction). If you need to contact us immediately, call us at the telephone number listed in Section 17. We will have a reasonable time to act upon any e-mail request, and reserve the right to reject any instruction or request received by e-mail (e.g., a request to wire funds). Please do not include any sensitive information about yourself or your accounts in an e-mail, as we cannot guarantee its privacy over the Internet. You agree that we may read and record any e-mail communications between you and our employees through the Service.
10. Stop Payment Service
    You may stop payment on a check you have written (non-electronically and not a bill payer draft) by following the procedures established for that Service. You must provide us with timely, complete and accurate information regarding: the number of the account in question; the date of the item; the item number; the payee information and the EXACT amount of the item (dollars and cents). If any information is incomplete or incorrect, we will not be responsible for failing to stop payment on the item. You are responsible to review past statements and current activity on your account since the date of your last statement to confirm that the item upon which you request a Stop Payment has not been paid. We will not be responsible to ascertain whether the check you wish stopped has previously been paid. Using this Service to submit a Stop Payment request will directly update your account record with this order without review by us, including the assessment of the stop payment fee. From time-to-time, the on-line system may be inoperable. If that occurs, your request can be communicated to us by telephone. We may require written confirmation of your order within 14 days of our receipt of your telephonic request.
11. Bill Payment Service
    If you are enrolled (or you choose to enroll) for bill payment, this service allows you to pay third parties and to schedule future bill payments. Bill payments can only be made from checking accounts.
    1. Eligible Payees. You may only designate payees with addresses in the United States. We reserve the right to determine who may be a payee. You agree not to use the bill payment service to purchase securities, make tax payments, or to comply with any court order.
    2. Initiating Payments. To initiate a payment, you must identify the person or business you are paying, the payment date, the amount to be paid, and (if you have one) your account number with the payee. We may ask for additional information when you establish a payee for the first time on our system. The payee address may be modified by us to accommodate special processing requirements. We will send your payment to the payee either by transferring the funds electronically or by mailing a check to the payee.
    3. Automatic Recurring Payments. You may use the bill payment function to arrange for the automatic payment of bills that have a fixed frequency and amount. Once your automatic bill payment arrangements are established, payments will be made without the need for further requests by you. If the payment date for an automatic payment falls on a weekend or holiday, the payment may be initiated on the following banking day.
    4. Errors in Your Instructions. You are solely responsible for providing us with complete and accurate payment information. We have no obligation to confirm such information or to identify or reject errors or duplicate payment instructions. If you give us a payment instruction that is incorrect in any way, you agree that we may charge your account for the payment, whether or not the error could have been detected by us. We are not obligated to detect errors in your transfer or payment instructions or to bring apparent errors to your attention.
    5. Processing Payments. We will withdraw funds from your designated account on the day you instruct us to make the payment. This “Payment Date” is described as the “Date” in the “Add Scheduled Payment” bill payer screen. We will initiate the sending of your payment to the payee by check through a third party, electronically through the automated clearing house, or otherwise on our next banking day. (Refer to Section 11.f. for Scheduling Payments). We do not have to make a payment if you do not have sufficient funds or credit available for the payment on the Payment Date. We may charge a fee for each payment request presented against insufficient available funds, whether or not we honor the request.
       
       Although you can enter a payment request 24 hours a day, 7 days a week, transaction requests that we receive after our processing cutoff hour of 5:00 p.m. (Pacific Time) on a banking day or at any time on a non-banking day may be deemed received as of the next banking day. Your designated Payment Date must be on a banking day. If you direct us to make a payment on a day other than a banking day, we may initiate the payment on the following banking day.
    6. Scheduling Payments. You should schedule payments sufficiently in advance to ensure that they are received and credited by your payee by the payment due date. WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT DATE AT LEAST 5 to 8 FULL BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE WITHOUT REGARD TO ANY GRACE PERIOD. Although electronic payments may be received by payees within two business days, it could take longer for payees to receive payments sent by mail. (Note: Checks are generally placed in the U.S mail two banking days after the Payment Date). It is your responsibility to request that payments be made in such a manner that they will be paid on time.
       
       You are solely responsible for any damages, such as late fees and finance charges that may be imposed as a result of your failure to identify the correct Payment Date and transmit your payment instruction to us in a timely manner. To insure that critical or time-sensitive payments are received on time, you should consider establishing Payment Dates (especially for payees that will receive payment by mail during peak holiday periods) well in advance of the payment due date. We will not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly. In addition, we will not be liable if any third party through which any bill payment is made (e.g., the postal system) fails to properly transmit the payment to the intended payee.
    7. Changing, Canceling and Stopping Payments. You may cancel or change any scheduled payment by amending the instruction through the Service by no later than 5:00 p.m. (Pacific Time) on the scheduled Payment Date. You may be able to stop the payment of an issued paper draft by contacting us in person or by telephone before the check is paid and providing us with the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the Confirmation number from the bill payment screen. Refer to the “Schedule of Miscellaneous Fees” for the current Stop Payment Order fee. You may NOT place a stop payment order on an electronic payment.
    8. Stopping Preauthorized Payments. If you have told us in advance to make regular payments out of your account, you can stop any of these payments by writing to us at Community Bank, OnLine Banking, P.O. Box 513715, Los Angeles, California 90051-3715 or by calling us at 800-788-9999. We must receive your request at least three business days before the payment is scheduled to be made. If you fail to give us your request at least three business days prior to a transfer, we may attempt, at our sole discretion, to stop the payment. We assume no responsibility for our failure or refusal to do so, however, even if we accept the request for processing. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call; otherwise, the oral request may be disregarded 14 days after it has been made. Your request should specify the exact amount (dollars and cents) of the payment you want to stop, the date of the payment, the Confirmation number from the bill payment screen, and the identity of the payee. You should notify the designated payee in writing that you are stopping payment, as we will not do so. If you order us to stop one of these payments at least three business days before the payment is scheduled and we do not do so, we will be liable for your losses or damages.
    9. Rejecting Payment Requests. We may reject any payment request with or without cause or prior notice. If we do, we will notify you promptly of the rejection orally, electronically or in writing.
12. Banking Days
    Our banking days are Monday through Friday, excluding holidays.
13. Documentation
    You will get a monthly deposit account statement unless there are no electronic fund transfers in a particular month. In any case, you will get a statement at least quarterly.
14. Service Fees.
    You agree to pay the fees we establish from time to time for the Service. Transfers from Savings and Money Market Checking Accounts are subject to a service charge (refer to your account disclosure for the amount of the fee) for each transfer during a statement period that exceeds the limit established for the account (See Section 15). We are not responsible for any fees that may be billed to you by your online service provider.
15. Limitations
    We reserve the right to limit the frequency and dollar amount of transfers and payments for security reasons. Payments and transfers from savings accounts and money market deposit accounts are limited by law and your deposit agreement with us. You may only make up to six withdrawals and/or transfers each month by preauthorized or automatic transfer, draft, or telephone. Only three of these six transactions may be made by check, draft, debit card or similar order to third parties.
16. Customer Service
    You may contact us at 1-800-788-9999, Monday through Friday, from 7:30 a.m. to 5:00 p.m., excluding holidays. Our hours of operation are subject to change without prior notice. You can also contact us by e-mail at comcent@cbank.com.
17. How to Notify us of a Problem
    If you have a question about a Service transaction, or if someone has transferred or may transfer money from your account without your permission, write to us at Community Bank, On-Line Banking, P.O. Box 513715, Los Angeles, California 90051-3715, or call us at 800-788-9999.
18. Your Responsibility
    Tell us AT ONCE if you believe your login ID or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days, you can lose no more than $50 if someone used your login ID or password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your login ID or password, and we can prove that we could have stopped someone from using your login ID or password without your permission if you had told us, you could lose as much as $500. Also, if your statement shows payments or 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.
19. Our Responsibility
    If we do not complete a transfer or initiate a payment from your account on the payment date 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 example, if: (a) we process your payment in a timely manner, but the payee rejects your payment or fails to process it in a timely manner; (b) your account does not contain sufficient available funds to make the transfer or payment, or the transfer or payment would exceed the credit limit on any overdraft line you have with us; (c) the money in your account is subject to an uncollected funds hold, legal process or any other encumbrance or claim restricting the transfer or payment; (d) the payee or transaction information you supply to us is incorrect, incomplete or untimely; (e) the system was not working properly and you knew about the problem when you requested the transfer or payment; (f) circumstances beyond our control (such as fire, flood, viruses, computer breakdowns or telecommunication problems) prevent the transaction, despite reasonable precautions that we have taken; (g) you do not authorize a bill payment early enough for your payment to be made and properly credited by the payee by the time it is due; (h) you fail to follow our on-screen instructions properly; or (i) a transfer or payment could not be completed due to the system’s unavailability. There may be other exceptions stated in our deposit agreement with you.
20. In Case of Errors or Questions about Your Transfers or Bill Payments
    Telephone us at the number, or write to us at the address, set forth in Section 17 as soon as you can if you think your statement is wrong or if you need more information about a transaction listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You must: (a) tell us your name and account number; (b) describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (c) tell us the dollar amount of the suspected error. For bill payments, also tell us the payee name, Payment Date, Confirmation number, and payee account number. This information appears on the bill payment screen. 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 after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time that 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. Our obligation to act within the 10- and 45-day periods mentioned above is extended to 20 business days and 90 calendar days, respectively, if the notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to the account was made. 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.
21. Business and Other Non-personal Accounts
    The Bank’s obligations set forth in Sections 19 and 20, and the limitations on your liability set forth in Section 18, do not apply in the case of business or other non-personal accounts. Under no circumstances will we be liable for any special or consequential damages involving such accounts. The owners of non-personal accounts must notify us immediately if they discover any unauthorized transactions or errors, and must send us a written notice of the problem within a reasonable time (not to exceed 14 days from the date of discovery or their receipt of the first statement or notice reflecting the problem, whichever occurs first). We may process any OnLine instruction we believe is given by any of you if the instruction is accompanied by your login ID and password, and you will be obligated for the transfer or payment, even if the instruction is not transmitted or authorized by you. You are responsible for controlling access to the Service and assuming all risks for any limitations placed by you on an authorized person. The fact that we are, or may be aware of, or could have discovered, any limitation on access to the Service does not make us obligated to enforce or attempt to enforce any limitation. You understand that each authorized person may utilize the Service (including inquiries, transfers and account verification) without regard to any restrictions otherwise applicable to an account.
22. Release of Account Information
    We may release information about your accounts and the transactions you perform to third parties: where it is necessary or helpful in verifying or completing a transaction; to verify the existence, history and condition of your account for credit reporting agencies; when you give us your consent; as permitted or required by law; to local, state and federal authorities if we believe a crime may have been committed involving your account; when an inquiry is made regarding the availability of funds to cover a check you have written; and, if you are a business, in response to trade inquiries.
23. Other Terms
    This Agreement supplements the terms of your account agreement with us. Please see that agreement for other terms relating to this Service (for example, waivers, governing law, and overdrafts). This Agreement and your account agreement contain all of the terms of our agreement with you with respect to the Service. The terms of this Agreement will supersede any conflicting terms in your account agreement with respect to the Service. We may, in our sole discretion, refuse to accept or otherwise execute any request for Service, whether for cause or without cause, and shall have no liability for such refusal. Should any request not be performed by us in accordance with instructions received from you, we shall notify you on or before the Bank’s next business day or otherwise by more expeditious means (including telephone notice).
24. Change in Terms
    We may amend (add to, delete from, or change) the terms of this Agreement at any time by sending a notice to any of you at the address or e-mail address shown in our records, by posting the notice or an amended Agreement on our web site, or by delivering it to you. You may choose not to accept the change by closing your account(s) or terminating this Agreement and your use of the Service.
25. Electronic Communications
    You agree that this Agreement and any notice or other type of communication that is provided to you in connection with the Service, including amendments, statements, and account information, may be sent to you electronically by posting the communication at our web site or by sending it to any of you by e-mail. You may obtain a free copy of this Agreement, any amendments to it, and other communications about the Service in paper form by writing to us at Community Bank, OnLine Banking, P.O. Box 513715, Los Angeles, California 90051-3715, or by calling us at 800-788-9999. You can withdraw your consent to such electronic notices by writing to us at the same address, and advising us that you wish to have future notices sent to you in paper form. We may elect to terminate this Agreement and the Service if you choose to receive notices in paper form. You agree to provide us with your current e-mail address for notices. If your e-mail address changes, you must send us a notice of the new address in writing at Community Bank, OnLine Banking, P.O. Box 513715, Los Angeles, California 90051-3715. You will need the following hardware and software in order to access our web site, to receive notices from us, and to retain an electronic record of this Agreement and future communications: You will need a computer, an Internet Service Provider (ISP), and Browser Software which supports Secure Sockets Layer (SSL) technology. We recommend Internet Explorer 6.0 or higher.
26. Termination
    We may terminate or suspend your access to all or part of the Service at any time, with or without cause. We may automatically terminate your use of the Service if you do not use it for an extended period (generally 180 days). If you decide to cancel the Service, please write to us at Community Bank, OnLine Banking, P.O. Box 513715, Los Angeles, California 90051-3715 or call us at 800-788-9999. Please let us know at that time if you have any outstanding scheduled or recurring bill payments. We may delete all scheduled and recurring bill payment orders once we have been notified that you wish to terminate the Service.

AGREEMENT

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