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This agreement between you and Bay Cities National Bank (BCNB) governs the use of our on-line banking service.
These services permit BCNB customers to perform a number of banking functions on accounts linked to the
services through the use of a personal computer. Please read this Agreement carefully. This agreement will use
the following terms. “We”, “us” and “the bank” are used to refer to Bay Cities National Bank. “You” or “your” is used
to refer to the owner of an Eligible Account or an authorized representative. “Consumer is used to refer to a natural
person who owns an Eligible Account with respect to which an online financial service is requested primarily for
personal, family or household purposes. “Business” is used to refer to anyone other than a consumer who owns an
Eligible Account with respect to an online financial service is requested. “Authorized representative” is used to refer
to a person with authority of any kind with respect to an Eligible Account or an online financial transaction.

By clicking “I ACCEPT” below, you agree to comply with the terms and conditions of this Agreement.

USE OF YOUR SECURITY PASSWORD
To access our Bank-On-Line service, you must use the identification number or other means of access we establish for your on-line customer account(s), together with a password.

You will be required to change your password from the last four digits of your social security number to a new unique password, only known by you on the first time you access “Bank-On-Line. The password must be between 6-8 characters.

We recommend that you change your password on a regular basis. We are entitled to act on any instruction received under your password. You are responsible for keeping your password and account data confidential. For your protection, sign off after every Bank-On-Line session and close your browser to ensure confidentiality.

WE STRONGLY SUGGEST THAT YOU DO NOT DELEGATE AUTHORITY OVER YOUR ACCOUNT TO ANYONE THAT IS NOT AN AUTHORIZED SIGNER FOR YOUR ACCOUNT AS LISTED ON THE DEPOSIT ACCOUNT AGREEMENT.

BANKING TRANSACTIONS WITH BANK-ON-LINE
You must be a principal owner of this account. Notwithstanding any instructions contained on the account agreement, you understand and agree that access to your account via the Internet is granted by user codes and passwords that can be entered by a single individual.

You or anyone you have authorized by giving them your Bank-On-Line identification number and password (even if that person exceeds their authority you purport to grant them) can instruct BCNB to perform the following transactions:

Transfer funds among your linked checking accounts, savings accounts and money market accounts from accounts with the same signer and same vesting only and that do not require more than one signature for withdrawals. However, if you do designate such an account, you agree that transactions made via the Internet by use of a user code and password are authorized.

Obtain information we make available about your qualifying account(s).

Obtain other services or perform other transactions that we authorize now or make available at a future date.

LIMITS ON BANK-ON-LINE TRANSACTIONS
Federal regulations and or transaction limits on certain accounts limit the number of preauthorized electronic fund transfers and telephone transfers, including Bank-On-Line transactions as follows:

Money Market Accounts – Transfers to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with NO more than three by check, debit card, or similar order to third parties.

Super Interest Passbook Accounts – Transfers to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited to three per statement cycle with no more than three by debit card or similar order to third parties.

Savings Account – Transfers to another account or to a third party by preauthorized, automatic, telephone, or computer transfer are limited to three per statement cycle with no more than three by debit card or similar order to third parties.

LIMIT OF BAY CITIES NATIONAL BANK AND OTHER PROVIDERS RESPONSIBILITY
Bay Cities National Bank agrees to make reasonable efforts to ensure full performance of its Bank-On-Line service. Except as specifically provided in this Internet Banking Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any direct, indirect, special, incidental, or consequential damages arising in any way out of the use of Bank-On-Line.

If we do not complete a transfer on time or in the correct amount according to our Agreement with you, we will only be liable to you to complete such transfer. Under no circumstances will the Bank be liable for any damages that you may suffer, including consequential damages, due to our failure to complete a transfer. Specifically the Bank will NOT be liable to any extent whatsoever if:

Through no fault of Bay Cities National Bank, you do not have enough money in your account or available credit to make the transfer.
Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken.
There is a hold on your account, or if access to your account is blocked in accordance with banking policy.
You do not instruct the Bank soon enough for your payment or transfer to be received and credited by the time it is due.
Your funds are subject to legal process or other encumbrance restricting the transfer.
You believe someone has accessed your accounts without your permission and you fail to notify us immediately.
We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this agreement.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Bank-On-Line services. Bay Cities National Bank will not be responsible for any error or failures from the malfunction or failure of your hardware or software.

HOURS OF SERVICE
Our Bank-On-Line service is generally available 24 hours a day, 7 days a week. Transfers after 8:00 p. m. Monday through Friday will be posted the next business day, which is everyday except Saturday, Sunday and federal banking holidays. All transfers made on non-business days will be posted the next business day.

E-MAIL COMMUNICATIONS
One way of communicating with us is by sending an E-mail message. This Service has provided E-mail forms for you to ask questions about your account(s) or give comments on the Service. These E-mail forms are accessible after you sign on with your password to a secure session of the Service. We recommend that you use only this E-mail when asking questions about Bank-On-Line or your eligible account(s). You cannot use E-mail to initiate transactions on your eligible account(s). For transactions please use the appropriate functions within the Service.

STATEMENTS
You will continue to get a statement at the duration specified in ‘All About Your Personal Account’ and/or ‘All About Your Business Account’. All Bank-On-Line transactions will be indicated on your statement. You agree to notify us immediately if you believe there are any errors or unauthorized transactions on any statement. Notify us by calling 310.540.2265, 9:00 a.m. to 5:00 p.m. Monday through Thursday and 9:00 a.m. to 6:00 p.m. Friday.

If you do not notify Bay Cities National Bank within sixty (60) days after the statement was mailed to you, you may not recover any money lost after the sixty (60) days which would not have been lost if Bay Cities National Bank had been notified in time.

ERRORS AND QUESTIONS
In case of errors or questions regarding Bank-On-Line transactions or your identification number has been lost or stolen or has been used without your authorization, call Bay Cities National Bank at 310.540.2265, or write us at:

Bay Cities National Bank
Attention: Bank-On–Line Customer Service
1333 South Pacific Coast Highway
Redondo Beach, CA 90277

We must hear from you at the specified telephone number or address no later than sixty (60) days after we sent you the first statement on which the problem or error appeared. We will need:

Your name and account number.
A description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information.
The dollar amount of the suspected error.
The date on which it occurred.

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) business days and we will correct any error promptly. We will notify you with the results of the investigation with ten (10) business days (20 days if the transfer involved a new account) and will correct any error promptly. If more time is needed, however, we may take up to forty-five (45) days to investigate a complaint or question. If this occurs, we will credit your account within (10) business days (20 days if the transfer involved a new account) for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) business days, we may not credit your account until the investigation is completed.

MODIFICATIONS TO THIS AGREEMENT
Bay Cities National Bank may modify the terms and conditions applicable to either service or fees from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records or electronic message. These modified terms and conditions shall be effective at the earliest date allowed by applicable law.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is our privacy notice for our customers. When we use the words “you and “your” we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as :
Deposit Account
Loan Account
Credit Card
Safe deposit box
Self-directed Individual Retirement Account where we act as custodian or trustee

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

We do not disclose any nonpublic information about you to anyone, except as permitted by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We do not disclose nonpublic personal information about former customers, except as permitted by law.

CANCELLATION

Your Bank-On-Line Service remains in effect until you or Bay Cities National Bank terminates it. You may cancel your service at any time by notifying us of your intent to cancel in writing, through Bank-On-Line email, or by calling Bank-On-Line Customer Service. This cancellation applies only to your Bank-On-Line service and does not terminate your Bay Cities National Bank accounts.

EZ-PAY

If you elect to sign up for the Bank- Online with Bill Pay Feature (EZ-Pay), you receive all of the services listed above and you will also have the ability to do the following:

Pay bills to any merchant, institution, or individual with a US address, whom you designate as a Payee and who we approve, in our discretion, by requesting Payment to be made through the EZ-Pay Service.
Review Payment history.

You agree to promptly pay any fees that may be required for certain Services provided through Bank-On-Line, and you authorize us to charge your Primary Checking Account or any other account for the appropriate fees.

Bay Cities National Bank may offer additional Services in the future. This Agreement is intended to cover all Services offered through Bank-On-Line.

This Service can be used with the Deposit Account designated as your Primary Checking Account you registered for the Service; provided, if you request and we, at our option, agree, you can use EZ-Pay with any other eligible checking account that is designated for the EZ-Pay feature of the Service.
EZ-Pay allows you to use the computer to direct Payments from your account; generally it is used to direct Payment to third parties, but can be used to direct Payments to Bank (e.g. for loan payments) or to another of your own accounts at another financial institution.

Limitation on Payment Transactions
The maximum dollar limit on any Payment is equal to the available balance in your Account plus the available balance in any other deposit account, or credit balance in any line of credit, linked to provide overdraft protection to the Deposit Account from which the Payment is to be made.

Scheduling and Processing of Payments
You can generally submit a Payment instruction through the EZ-Pay Service 24 hours a day, 7 days a week (see "Hours of Service" below).

If the date a Payment is scheduled to be initiated falls on a day other than one of our Initiation Days, we will initiate the Payment on the next Initiation Day.

All Payments are processed after the EZ-Payment Cutoff Time on the Initiation Day applicable to such Payment. You may submit instructions for Payments to be made, cancelled or modified through the Service until the EZ-Payment Cutoff Time on the Initiation Day applicable to such Payment.

Our EZ-Payment Cutoff Time is 10:00 a.m. Pacific Time
A Payment instruction, including without limit, scheduling, changing or canceling, is considered submitted when you receive a message on line.

Subject to other requirements set forth in this Agreement, you may schedule Payments to be initiated on the same day provided that day is an Initiation Day and your request is submitted prior to our EZ-Payment Cutoff Time; otherwise your request will be considered received on the following Initiation Day. You may also schedule Payments to be initiated on a future date, provided that date is an Initiation Day; otherwise, your request will be processed the following Initiation Day.

You may choose to schedule initiation of a Payment to repeat at regular weekly, bi-weekly, semi-monthly, monthly, bi-monthly, quarterly, semi-annual and annual intervals. A "Repeating Payment" is any Payment other than a "one-time" transaction (whether scheduled for the future or for the same day). Repeating Payments will start on the first Initiation Date after the date that they are submitted. If your Repeating Payment is scheduled to occur on the 29th, 30th, or 31st of the month and that month does not have the required number of days, your Payment will be initiated on the first Initiation Day of the next month.

EZ-Payments; Allowing Sufficient Time

You must set up each Payee on the Payee list. Thereafter, you must schedule the Payment Initiation Day at least seven (7) Business Days in advance of the due date to allow sufficient time for processing, mailing (if applicable) and Payee's receipt of the Payment.

Some companies are set up to receive payments electronically through this Service and Payments may be transmitted this way or by US mail to such Payees, at our option. If the Payee is not set up to receive payments electronically through this Service, we will send the Payment by US mail. We may select, at our option, the method used to process your Payments. Any obligations that you wish to pay through the Service must be payable in US Dollars to a Payee located in the United States. We reserve the right to restrict Payees or categories of Payees to whom Payments may be made using the Service from time to time. Without limiting the foregoing, you may not use the Service to pay taxes or court ordered payments where additional documentation may be required.

Canceling or Changing Payments

If you would like to cancel or change individual or repeating Payments you have instructed the Bank to make, the best way to do this is to use the Service (not via an online message). Payments may be canceled or changed using the Service, provided such is submitted no later than the Payment Cutoff Time on the Initiation Day applicable to the Payment.

Debiting your Account and Insufficient Available Funds for Payments
Funds may be withdrawn from your Deposit Account designated for the Payment on the Initiation Day applicable to the Payment. Although your Payments may take up to seven (7) Business Days to reach the Payee, you will not have use of the funds once the Electronic Payments have been withdrawn from your account. These will not be available for payments of other transactions, for calculation of minimum balances, interest accrual or otherwise. For all other payments a draft is generated and mailed via US Postal Service to the Payee. These drafts will debit your account when presented by the Payee, similar to a check. If funds are not available on the date of presentment the draft may be returned for non-sufficient funds.

When you use the Service(s), you must have sufficient funds available in the selected Deposit Account (including available overdraft protection coverage, if applicable) to cover the amount of the Payments you schedule to be made from such account, and any associated overdraft protection fees.

The Bank is under no obligation to notify you if it does not complete a Payment because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the Payment or for rescheduling the Payment through the Service.

Bank's Liability for Failure to Make Payments or Paying Late

If we do not send a Payment or make a Transfer on time, or in the correct amount according to your instructions given in accordance with this Agreement, and the transaction relates to a Consumer Account, we will be liable for your proximate caused damages except as noted below.

We will not be liable with regard to any Deposit Account or the Service, for instance, if, through no fault of ours, you do not have enough available funds in your Deposit Account to make the Payment or Transfer or the Payment or Transfer would exceed any permitted overdraft protection you have with us; circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or a natural disaster) delayed, lost or damaged mail, prevent or delay the transaction despite reasonable precautions taken by us; your computer, the phone lines, or the Bank's computer systems were not working properly or were temporarily unavailable, and this problem should have been apparent to you when you attempted the Transfer or; the funds in your Deposit Account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal; the information supplied by you or a third party involving the Deposit Account, Payment or Transfer, is incorrect, incomplete, or untimely; we have a reasonable basis for believing that unauthorized use of your User ID, PIN or account has occurred or may be occurring; the Payee does not process a Payment promptly or correctly; or for any other reason specified in this Agreement.

Without limiting the foregoing the Bank shall also not be liable for late charges, interest, penalties or other amounts incurred by any depositor for the depositor's failure to allow sufficient time for processing and delivery of any Transfers or Payments so long as the Bank has complied with the provisions of this Agreement.

Unless otherwise required by Law, the Bank will not be liable to you under any circumstances for special, indirect, or consequential damages, including, without limitation, lost profits or attorneys' fees, even if we are advised in advance of the possibility of such damages.

Reporting Unauthorized Transactions, Payment Problems, Errors or Questions

Call or write to us as soon as possible if you think your statement, account or transaction information is wrong or if you need more information about a transaction listed on your statement or shown on the Service records. We must hear from you no later than 60 days after we send the FIRST statement on which the problem or error appeared. The telephone number you may use is 310.540.2265.

Tell us your name and account number.
Describe the error or the Transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten Business Days.

If your complaint or error is with regard to a Consumer Account: We will tell you the results of our investigation within 10 Business Days (or 20 Business Days if the transaction occurs while your account is a "new account" under Regulation E) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days (or 90 calendar days for a transaction on a new account) to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten Business Days (or 20 Business Days in the case of a transaction on a new account) for the amount you think is in error. You will have the use of the money during the time 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 ten Business Days (or 20 Business Days in the case of a transaction on a new account), we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three Business Days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

Business and Other Non-Personal Accounts

In addition to other limitations set forth herein and as provided by Law, the error resolution and liability provisions applicable to Consumers and Consumer Accounts on or with any periodic statements or other communications and or documents you may receive from us, if any, do not apply non-Consumer Accounts (i.e. business and non-personal accounts). The owners of Non-Consumer Accounts must notify us immediately if they discover or believe any unauthorized transactions or errors. If such is not an ACH transaction nor a debit relating to a Payment we process via ACH, we must receive written notice of and, at our request, affidavit regarding the problem in a form satisfactory to us within a reasonable time (not to exceed 14 calendar days) from the date of discovery or your receipt of the first statement, report or notice reflecting the problem, whichever first occurs. If such is an ACH transaction or is a debit relating to a Payment which we process by ACH, we must receive notice, written or verbal, within 24 hours of the posting date, with a written affidavit in a form satisfactory to us within a reasonable time thereafter, not to exceed 10 calendar days.

The owners of such accounts assume sole responsibility for any unauthorized use of the User ID, and PIN shall immediately indemnify, defend and hold Bank harmless from all claims, actions, proceedings, losses and damages related to or arising out of any unauthorized transaction.

Cancellation/Termination of Service

If you wish to cancel your Service, you should first cancel all scheduled Payments or Transfers. This will insure future Transfers or Payments you make directly to the Payee will not be duplicated. Once this has been done, you must contact us to cancel the Service. The best way to cancel the Service is to call us at 310.540.2265. We reserve the right to cancel your use of the Service(s) at any time without prior notice or reason except as required by Law including, without limit, if you have insufficient funds in any of your accounts.