Centennial Online
INTERNET BANKING SERVICE AGREEMENT

Personal Accounts

Welcome to Centennial Online!

• To sign up for 1st Centennial Bank’s Online Banking Service, “Centennial Online”, please read this document and then click on the “YES, I WANT TO ENROLL” button at the end of this document.

User Terms and Conditions
This Centennial Online Banking Agreement ("Agreement") for accessing your 1st Centennial Bank account(s) via the Internet explains the terms and conditions governing the Centennial Online Banking Services and other banking services offered through 1st Centennial Bank (collectively, the “Online Banking Services”). By using the Online Banking Services you agree to abide by the terms and conditions of this Agreement. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of California. For the purpose of this agreement, "us," "we," "our" or "the Bank" shall refer to 1st Centennial Bank. "You," "your" or "Customer" shall refer to each and all signers on an account who signs up for the services provided herein (“Services”). All references to time of day in this Agreement and Disclosure refer to U.S. Pacific Standard Time.

The first time you access your 1st Centennial Bank account(s) through Centennial Online confirms your agreement to abide by the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure. We may change the terms or amend this Agreement from time to time without notice or as otherwise provided by law. Centennial Online can be used to access certain 1st Centennial Bank accounts. Each of your accounts at 1st Centennial Bank is also governed by the applicable account disclosure statement in effect at the time, prior receipt of which you acknowledge.

This Agreement will be governed by, and interpreted in accordance with federal law and regulation and to the extent that there is not applicable federal law or regulations, by the laws of the State of California. To the extent permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the Bank is located.

Services Available
Centennial Online allows you more convenience and more control over your finances than ever before. You will have access to the following features and services 24 hours a day, 7 days a week from just about anywhere:

• View current balance and account information on deposit and loan accounts;
• Pay bills with our optional Bill Payment Service on a one-time or recurring basis;
• Real time transfer of funds between your linked accounts;
• Obtain detailed summary information for all linked accounts;
• Download account history into personal financial management software, such as Microsoft Money, Intuit Quicken and Intuit Quickbooks.
• Perform transaction searches to view specific transactions; and
• View check images

Available services may be added or cancelled at any time. We will update this Agreement to notify you of the existence of new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement. You can use Centennial Online seven days a week, 24 hours a day. However, from time to time some or all of Centennial Online services may not be available due to system maintenance. During such times, you may use our 24-hour Telephone Banking Service at (909) 798-1242, or visit one of our branches.

How To Reach Us

Business Days
For purpose of this Agreement, our Business Days are Monday through Thursday, 9:00 a.m. to 4:00 p.m., and Friday, 9:00 a.m. to 5:00 p.m., excluding holidays.

Contact Us
You may contact us by telephoning (909) 798-3611 during normal business hours. Coming into one of our branches or calling us is the best way to report any problems or to get questions answered. If you cannot call or come in person, you can write to us at: 1st Centennial Bank, 218 E. State Street, Redlands, CA 92373.

E-Mail
Sending e-mail through our Home Page is one way to communicate with us. We have provided e-mail links for you to ask questions or give comments regarding our Home Page or Centennial Online.

If you send the Bank and electronic message, 1st Centennial Bank will be deemed to have received it on the following business day. 1st Centennial Bank will have a reasonable time to act on your e-mail.

E-mail is not a secured environment. Do not send account information or transaction information via e-mail. You should not send an electronic message if you need to communicate with 1st Centennial Bank immediately.

Internet Security Risks
Information transmitted over the Internet may be subject to the risk of unauthorized access, alteration or modification. You agree to exercise discretion and secure your password when accessing the Service.

Access and Hardware Requirement
In order to access your accounts through Centennial Online, you must have a checking account. Customer will arrange and be responsible for telephone service necessary to utilize the Service. Customer will be responsible for acquiring, maintaining and operating all computer equipment, which includes hardware, software and communications at its premises. Computer requirements are as follows:

• A PC or Macintosh computer, Windows 95 or better
• Access to the internet
• An Internet Service Provider selected by you
• An Internet web browser (Netscape Navigator Version 4.03 or higher, Netscape Communicator Version 4.07 or higher or Microsoft Internet Explorer Version 4.0 or higher) with 128-bit encryption (highest level). (You will not be able to bank online with a browser that does not support 128-bit encryption.)

 
Keeping Your Account Confidential
Password and Access ID Protection

• To log on to Centennial Online, an account owner needs to use an ACCESS ID and PASSWORD.
• The first account owner to log on to Centennial Online will use any one of his or her account number(s) as the Access ID and the last four (4) digits of his or her tax identification number for the temporary Password. Each account holder must log on with their own tax identification number as the temporary Password.
• Upon “first time login”, you will be prompted to change the temporary Password. Your Password must be an alphanumeric, case sensitive Password, a minimum of eight (8) characters long, and a maximum of twelve (12) characters long. The Password that you choose must include, at least, 2 letters and 2 numbers. "Alphanumeric" refers to the fact that both numbers and letters are used. "Case sensitive" means that both upper and lower case letters are used; therefore, "b" is not the same as "B." For example, if your password is "Baseball02," you must type it exactly like that. Entering "baseball02" will not allow you to enter the system. This method is used to provide you with the highest level of security.
• The account number that was used to log on will become the permanent “Access ID” for that particular account owner.
• If the account is a joint account, subsequent joint account holders who log on to the Centennial Online system will also use the same account number as the Access ID and the last four (4) digits of his or her own tax identification number for the temporary Password.
• Upon initial log in, he/she will then be prompted to change both the Access ID and Password. This assures that each account holder maintains a separate Access ID and Password even when accessing the same joint account.
• If subsequent account holders log on using a different account number, this number will then become the permanent Access ID for that joint owner (he/she will not be prompted to change the Access ID).
• If you would like to change the Access ID for your account and assign a “nickname” for the account that is easy to remember, contact customer service during normal business hours at (909) 798-3611 for assistance.

For your protection, we recommend that you frequently change your personal password used to access Centennial Online. (You can change your password under the Change Password button). You agree to hold your password and Access ID in strict confidence and you will notify us immediately if your password and/or Access ID is lost or stolen. As a precaution, it is recommended that you memorize your password and Access ID and do not write either down. Passwords should not be easy to guess; for example, your children's or pet's names, birth dates, addresses or other easily recognized identifications related to you. We also recommend you do not have your browser remember your password.
If you use a consolidation site to collect all of your personal information, you should know that all transactions initiated by a consolidation site using access information you provide are considered to be authorized by you, whether or not you were aware of the specific transaction. You may revoke this authority only by notifying us, and we may need to block your account.

You further agree not to allow anyone to gain access to Centennial Online or to let anyone know your Password used with the service. You agree to assume responsibility for all transactions up to the limits allowed by applicable law. 1st Centennial Bank will not be responsible for any loss due to breach in the above security procedures.

Three Strikes and You Are Out
To guard against unauthorized use of your Access ID and Password, Centennial Online disables the Password indefinitely on the third attempt until you call the Bank and request your Password to be reset.

This will also occur if you accidentally activate this security feature by unintentionally mis-keying a Password three (3) times. You will need to call the Bank to reestablish the password for your account(s). You can reach us by calling (909)798-3611 during normal business hours.

Lost or Stolen Password or Access ID
Contact 1st Centennial Bank AT ONCE if you believe your Password, Access ID, or Personal Identification Number (PIN) has been lost or stolen, or you have identified any unauthorized Electronic Funds Transactions (EFT) on your current statement viewed on-line or your monthly printed statement. Phoning us immediately at (909) 798-3611 is the best way of minimizing your potential losses, or you may write us at: 1st Centennial Bank, 218 E. State Street, Redlands, CA 92373 to report the problem.

Personal Information Protection
In addition to protecting your Password, Access ID, and account information, you should also protect your personal identification information, such as your Driver's License, Social Security Number, etc. This information, alone or together with information on your account, may allow unauthorized access to your account. It is your responsibility to protect your personal information with the same level of care that you protect your account information.

Deposit Accounts

• If the Customer wishes to use the optional Bill Payment service, he/she agrees to designate one of its accounts with Bank as its "Service Fee Account” for the Services. Customer authorizes Bank to debit the Service Fee Account (or any other account maintained by Customer at Bank) for any fees or other amounts due Bank in connection with the Services.
• The Service Fee Account must be a demand or NOW account.
• Customer agrees to maintain sufficient available funds (as determined under Bank's funds availability policy) in each account accessible via the Services to cover all transfers or other entries initiated by Customer and affecting the account, or such higher amounts as Bank may specify from time to time. Customer agrees that Customer's funds may be held by Bank for a period of time following termination of the Services to protect Bank against any possible losses relating to the use by Customer of the Services.

Balance Information
Account balances are available for your checking, savings, money market, certificate of deposit, line of credit and loan accounts. The available balance for Checking, Savings, and Money Market Accounts, Time Deposit Accounts and Loans is real-time and will change throughout the day based on your activity. The balance figure includes funds that are subject to the Bank’s Funds Availability Policy and may include funds that are not available for immediate withdrawal or transfer. Your account balance is subject to collection under our collection rules (items which appear as posted to your account may later be returned, rejected, etc.).

Below are balance definitions:

• Current Balance – account balance after posting previous business day. The current balance figure includes funds that are subject to Bank’s funds availability policy and may include unavailable funds.
• Available Balance – amount of funds that are available for withdrawal “real time”, and includes your available overdraft line (if you have one), memo posted items and on-line transfers.

Transfers & Limitations

• Transfers may be made among your 1st Centennial Bank Checking accounts, Savings accounts, Money Market, NOW accounts and Revolving Line of Credit accounts. Limitations: All transfers to and from an account will be subject to the terms and conditions applicable to the account as set forth in the agreement governing the account, including but not limited to transfer limitations.
• Transfers are limited to accounts with identical ownership.
• Transfers may not be made from accounts that require more than one signature to make withdrawals.
• With respect to Funds Transfers from Money Market Checking Accounts and/or Savings Accounts, Customer may not make more than six (6) transfers or withdrawals per month to another account of Customer or to third parties, when these transfers are made by means of a pre-authorized or automatic transfer or telephonic (including data transmission) agreement, order or instruction. No more than three (3) of the six (6) transfers may be made by check, draft, debit card or similar order made by the Customer and payable to third parties. Should Customer exceed the permitted number of transfers on an account, Bank may close the account, impose a fee, and/or change the account type to a demand deposit account.
• Transfer requests received Monday through Friday from 8:00 a.m. to 5:00 p.m. will be processed the same Business Day. Transfer requests received after these hours will be processed the following Business Day. Transfer requests transmitted to us by the applicable Cut-off Time (5:00 p.m. PST) will be posted on the same Business Day. Transfer requests transmitted to us after the applicable Cut-off Time (5:00 p.m. PST) will be posted on the following Business Day.
• Deleting or amending of transfer requests must be transmitted via Centennial Online no later than 5:00 p.m. PST on the Business Day the transfer was scheduled to occur.

Bill Payment Service

Applying for Bill Payment Services
Centennial Online’s Bill Payment Service (“Bill Payment Service”) allows you to transfer funds from your deposit accounts with 1st Centennial Bank to pay your bills electronically. To apply to use the Bill Payment Service, you must first log on to Centennial Online using your Access ID and Password. Click on “Enroll for Bill Payment”. Print, complete and sign the Bill Payment Enrollment Form. You may send the completed form to us by mail or by fax, as indicated on the form. Alternatively, you may also visit our banking office and our staff will be happy to assist you with your enrollment. Once we receive your enrollment form, including any additional required documentation, and verify the information you provided, we will send you a confirmation of your enrollment along with your initial Access ID and temporary Password by postal mail to the address we have on file for you.

The following terms and conditions apply to your Bill Payment Services. Your use of this service constitutes your agreement to these terms and conditions and any modification thereof.

Payees

• Any payments through the Bill Payment Service must be payable in U.S. Dollars. Each payee must appear on the payee list you create with us and the account you are paying with must be in your name.
• You may not use the Bill Payment Service to make alimony, child support, or other court ordered payments. In addition, you may not use the Bill Payment Service to make local, state or federal tax payments or to pay any person subject to Office of Foreign Asset Control restrictions.
• You should not use the Bill Payment Service to make payments to settle securities transactions.
• We reserve the right to restrict categories of payees to whom payments may be made using the service.
• You may set up an unlimited number of payees on the Centennial Online Bill Payment Service.

Account Designation

• To use Bill Payment Services, you must designate a “Service Fee Account”. This is the checking account from which bill payment fees and charges will be debited. If you close your current Service Fee Account, you must contact us immediately to designate another checking account as your new Service Fee Account. If you close any other account from which you have scheduled future or recurring payments or transfers, any unprocessed payments or transfers will be canceled.

Processing

• Future or recurring Bill Payments must be submitted at least five (5) to seven (7) Business Days prior to the actual due date of the bill. When you enter a payment, you enter the date that you want the payment to be processed (“Date”). The payment amount will be debited from the account that you designate on the scheduled process date (“Date”).
• Payments can be entered as one-time or recurring transactions. One-time payments can be processed on the same day or scheduled for a future date up to 365 days in advance. Recurring payments may be scheduled to occur bi-weekly, bi-monthly, monthly, quarterly, semi-annually and annually.
• Current Bill Payment requests must be received by 5:00 p.m. Monday through Friday in order to be processed by the next Business Day.
• Future or recurring payments may be changed or deleted before 5:00 p.m. on the Business Day prior to the next date your payment is scheduled to occur.
• When initiating bill payments, you must provide the following information: the complete name of the payee, the payee's remittance address, and the account number that will identify your account with the payee, all exactly as shown on the payee's billing statement or invoice. You must also indicate the amount of the payment to be sent and the Payment Date (“Date”), which is the date when the payment amount is debited from your account and the payment is sent. Payments are not processed on non-Business Days.  Should your scheduled payment date fall on a weekend or holiday the payment will be processed the last Business Day before the weekend or holiday. 
• By using this Service, you authorize us to follow the payment instructions you have provided under your password, charge your designated payment account by electronic transfer, "no signature required draft", or by debiting and remitting funds on your behalf. However, we will not be obligated to make a payment unless your account or the linked overdraft line of protection (if any) has sufficient funds or credit available to pay the bill on the Payment Date (“Date”). We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you promptly. You are then responsible for either making alternate arrangements for the bill payment, or rescheduling the bill payment through the Bill Payment Service. In no event will we automatically re-submit a bill payment for you after funds have become available.

Your Timing Allowance

• The Payment Date (“Date”) must allow sufficient time for us to receive and process the Bill Payment so that the funds can be delivered to the payee before the payment due date (the due date shown on your invoice or provided in your agreement with the payee, not taking into account any grace period provided by the payee).
• There will be a gap between the Payment Date (“Date”) and the date the payee receives that payment. To avoid incurring a finance charge, you must schedule your payments well in advance of the due date of your payment. Some payees are not set up to accept electronic payments. In these cases, a check will be sent. If a payment you designate is paid by paper check, you understand and agree that the paper checks are mailed to the payee and the payment may not be received by the payee until (five) 5 to seven (7) business days after the Payment Date (“Date”). If you do not allow sufficient time, you will assume full responsibility for all late fees, finance charges, or other actions taken by the payee.

Monitoring Payments
We do not have the duty to monitor the bill payments you authorized through the Bill Payment Service. If you are a business and any of your authorized representatives uses your Access ID and Password to pay bills which are not yours, you assume the entire risk of loss and you agree to defend, indemnify and hold harmless our directors, officers, employees and agents from all liability, claims, demands and judgments arising out of or connected with such use.

Notification of Insufficient Funds; Insufficient Fund Fees

• A written notice will be sent to you of transactions that we are not able to process because of insufficient funds in your bill payment account. Customer agrees that Bank or its processing agent may continue to attempt to recover funds in the event a Bill Payment was initiated against insufficient funds. Recovery activity may include, but not be limited to, debiting the bill payment account or otherwise initiating collection activity. Bank reserves the right to freeze or terminate customer’s Bill Payment Services in the event customer had one or more instances of insufficient funds available to pay bill payment.
• If the Bill Payment is not processed, you are responsible for either making alternate arrangements for the Bill Payment, or rescheduling the Bill Payment through the Services.
• If the Bank or its agent is unable to reverse a Bill Payment due to insufficient funds in your primary account, Bank will not automatically resubmit payment on your behalf once the funds subsequently become available.

WHOLESALE WIRE AND ACH TRANSACTIONS. With respect to wire transfers or other transfers of funds not governed by the Electronic Funds Transfer Act, you agree to enter into and comply with our wire transfer (if applicable) agreement and to comply with our security procedures and this section. We advise you that any receiving financial institution (including us) is entitled to rely on any account or bank number you have provided even though that account or bank number may identify a party different from the person or entity you have described by name in any transfer order.
(A) Provisional Payment. Credit given by us to you with respect to an ACH credit or wholesale (wire) funds transfer entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to your Account in connection with such entry, and the party (the originator of the entry) making payment to you via such entry shall not be deemed to have paid you the amount of such entry.
(B) Notice of Receipt. We will notify you of the receipt of payments in the periodic account statements we provide to you. You acknowledge that we will not give next day notice to you of receipt of an ACH or wholesale (wire) funds transfer item.


Limitations on Services

Dollar Limitations - Bill Payment

• There is a dollar limit of $9,999.00 on Bill Payments (or the available balance in Customer's account, plus Customer's available overdraft line of credit, whichever is less) on any single Bill Payment transaction. If the total payment amount exceeds this limitation, multiple payments may be required.
• The maximum daily dollar limit is $99,999.99.
• You acknowledge and agree that if a transfer request describes the beneficiary or beneficiary’s bank inconsistently by name and account number (or identifying number of the RDFI), execution of the transfer request will occur on the basis of the account number (or the identifying number of the RDFI), even if it identifies a person different from the named beneficiary or bank, and that your obligation to pay the amount of the transfer request to us is not excused in such circumstances.

Available Funds Required

• All transfers initiated through the Bill Payment Services are subject to there being sufficient available funds (as determined under Bank's funds availability policy) in the pertinent account to cover the transfer on the day and at the time the transfer is to be made.
• Bank not obligated to honor transfer. Bank may, in its sole discretion, refuse to accept or otherwise execute any request for Services, whether for cause or without cause, and shall have no liability for such refusal. Should any request not be performed by Bank in accordance with instructions received by Customer, Bank shall notify Customer on or before the next business day of Bank, or otherwise by more expeditious means (including telephonic notice).

Documentation

• Periodic statements. You will receive a monthly periodic statement (unless there are no transfers in a particular month). In any case, you will get the statement at least quarterly. Your statements will include any transfers or bill payments you authorized using the Centennial Online Banking Service and will include any Online Banking services, charges and fees.
• Your statement includes all Bill Pay items whether electronically remitted or paid by check. The name of the creditor will also be indicated. Payments will show as “Payment to” and the name of your Payee on your statement. Your statement will include transfers between accounts and will show as an “Internet xfer” on your statement.

Verification of Bill Payment
Checks issued by the Bill Payment Service on your behalf are not included in your statement. However, if necessary, you can obtain a copy of a check at no additional charge by calling Customer Service at (888) 748-9326.

Deleting Bill Payments
You may use Centennial Online Banking Bill Payment to cancel any payment request that has already been scheduled provided the cancel request is transmitted no later than 5:00 p.m. PST on the day before the Business day the Bill Payment was scheduled to be processed.

Canceling Your Centennial Online Banking Services or Bill Payment Services
You may cancel your Online Banking or Bill Payment Services at any time by notifying us of your intent to cancel in writing to 1st Centennial Bank, 218 E. State St., Redlands, CA 92373, attention Centennial Online Banking Services.

• If you choose to cancel your Online Banking Services or Bill Payment Services, any unprocessed payments or transfers will be canceled. We recommend that you cancel any scheduled payments or transfers prior to notifying us that you are discontinuing the service.

Joint Accounts

• When your Online Banking or Bill Payment Service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer regarding your service.

On-line Banking Fees and Charges
There are no fees or charges for accessing your accounts through Centennial Online or for utilizing the optional Bill Payment feature. Other fees, as disclosed in the Personal Accounts Information and Fees brochure, may apply to services you order online.

Offer of Services through Affiliates or Third Parties
The Bank, from time to time, enters into agreements with affiliates or third parties to provide bank related services for the Bank. The services provided by the third parties may include check processing services, data processing services or other bank-related services. You authorize us to release information regarding your account to such third-party service that provides bank related services for the Bank.

Termination
Either you or we may terminate this Agreement and your Centennial Online Banking Services subscription at any time, with or without cause, upon giving notice of the termination to the other party. If you terminate the Services, you authorize us to continue making transfers and bill payments that you have previously authorized until such time as we have had a reasonable opportunity to act upon your termination notice. After we have acted upon your termination notice, we will make no further transfers or payments from your accounts, including any transfers or payments that you have previously authorized. If we terminate your use of the Service, we reserve the right to cease all further transfers or payments from your accounts, including any transactions you have previously authorized. Termination by 1st Centennial Bank of your Centennial Online Banking Service does not constitute a termination of your checking account or any other deposit accounts that you may have unless 1st Centennial Bank advises you in writing that those other accounts have also been terminated.

Force Majeure and Limitation of Liability of Bank
Notwithstanding any other provision of this Agreement, Bank shall not be liable for any loss, expense or delay caused by accidents, strikes, fire, flood, war, riot, electrical or mechanical failure, software, acts or omissions of the Customer, or any other third parties (including, but not limited to, acts or omissions of any telephone or telecommunications carrier), acts of God or any other cause or causes which are beyond its reasonable control.

Compliance with Laws & Procedures
By using this Service, you agree to use the Services solely for the purpose intended and in accordance with Bank procedures and agreements, which may be applicable to use of the Services and the related accounts.

• The terms and conditions in the Centennial Online Banking Agreement are in addition to the terms and conditions described in the Disclosure Statements for Truth in Savings Disclosure, Deposit Account Agreement and Disclosure for your account(s), and any credit agreements you have with us, as well as applicable rules and regulations. In the event of any inconsistencies between provisions of this Agreement and the provisions of any other agreement you have with us, the provisions of this Agreement shall govern and control Centennial Online.
• Customer agrees to comply with any applicable state or federal law in connection with its use of the Services and the fulfillment of its obligations under this Agreement. Customer acknowledges that the Automated Clearing House system may not be used in violation of, and that entries originated by Customer must comply with, the laws of the United States, including sanctions laws administered by the Office of Foreign Asset Control.

Notice or Communication

Except as otherwise expressly provided herein, any notice or other communication required or permitted to be given under this Agreement shall be written and delivered, or sent by United States registered or certified mail, postage prepaid, or by express carrier, to Customer’s address as it appears on the Bank’s computer file; or, if to Bank, addressed to:

1st Centennial Bank
Attention: Centennial Online Banking Services.
218 E. State Street
Redlands, CA 92373

unless another address is substituted by notice delivered or sent as provided herein. Except as otherwise expressly provided herein, any such notice shall be deemed given when sent or received by Bank.

Disputes
This Agreement shall be governed by the laws of the State of California, exclusive of choice of law rules. In any litigation arising out of this Agreement, the prevailing party will be entitled to recover all reasonable expenses of litigation and appeal (including without limitation attorneys’ fees), in addition to any other remedy to which the prevailing party is entitled. Bank and Customer hereby consent to the personal jurisdiction of the federal and state courts in the state of California in any action brought in connection with this Agreement.

Severability
If any provision herein, or part thereof, is held to be invalid, illegal or unenforceable, the remainder of the Agreement, or other parts or applications of such provisions, shall not be affected thereby.

Assignment
We may assign our rights and delegate our duties under this Agreement to a company affiliated with us or to any other third party. Customer hereof may make no assignment without the prior consent of Bank.

Amendments
The Bank reserves the right to modify the terms and conditions of this agreement at any time, effective upon notice to you (unless applicable law provides for a different effective day). However, no prior notice is required when any change in terms is determined by the Bank to be necessary to the security of the Services or to prevent a loss by Bank.
Member FDIC

Centennial Online
ELECTRONIC FUNDS TRANSFER DISCLOSURES
ATM AND VISA CHECK CARD AGREEMENT

This Agreement and Disclosures are made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving an account at 1st Centennial Bank. The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers. In this Agreement, the words “you” and “your” mean those who sign as applicants or any authorized user(s). The words “we”, “us” and “our” mean 1st Centennial Bank. The abbreviation “PIN” or word “code” means a personal identification number. You should keep this notice for future reference.

JOINT AND SEVERABILITY
If there is more than one party to this Agreement, each of you agrees to be jointly and severally liable for the use of the ATM and VISA® Check Cards, all purchases and fees associated with the Cards.

1st Centennial Bank ATM AND VISA® Check CardS
1st Centennial Bank’s ATM card offers you the convenience of withdrawing cash at ATM machines worldwide. 1st Centennial Bank’s VISA® Check Card allows you to make signature based transactions, Point of Sale (POS) transactions and ATM withdrawals. There is no fee assessed by the Bank. Third party charges may apply and will be displayed at the ATM. These products must be tied to a personal checking account.

VISA® is a registered trademark of Visa International.

Types of Transactions/Transfers: You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. You may use the VISA® Check Card and PIN issued you to pay for purchases from merchants who have agreed to accept the card, at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS Check Card with a VISA® symbol. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. At present you may use your card to (some of these services may not be available at all ATMs):

• Deposit funds to your checking account.
• Withdraw cash from your checking account.
• Deposit funds to your savings account.
• Withdraw cash from your savings account.
• Transfer funds between your checking and savings accounts.
• Obtain balance information on your deposit accounts.
• Make loan payments.
• Purchase a maximum of $2000.00 worth of goods and services per day, in addition to the ATM withdrawal limit. ($1,200.00 when the system is in offline mode.)

Some of these services may not be available at all terminals. Please also see Limitations on Frequency of Transfers section regarding limitations that apply to ATM transfers.

Disputes with Merchants. Since your Card is not a credit card, if you have a dispute with the merchant regarding the quality, price, warranty or otherwise regarding the goods or services you purchase with your Card, you will have to settle your dispute with the merchant directly. We are not responsible for the merchant’s actions, including any misrepresentations by the merchant. You may not place a stop payment on a VISA® Check Card transaction.

Deductions from Your Account. In a Check Card Transaction, including cash transactions, a hold will be placed on your primary account. The hold may be for the amount of the transaction, or for a pre-established amount in excess of individual transactions (for example, hotel or car reservations). The held funds will not be available for other account purposes, and we have the right to return checks or other items drawn against your account to maintain sufficient funds to pay for any previously authorized transactions. The hold will be released when your transaction is finally settled, and you agree to maintain sufficient available funds on deposit in the affected account to cover all previously authorized transactions. The hold may continue even if you do not purchase any goods or services for which authorization was obtained. If checks are returned, you agree to pay all applicable non-sufficient funds fees. We may, but are not obligated to, allow transactions which exceed your available balance or available credit line. If we do, you agree to pay the overdraft. You also agree to pay the overdraft charges in effect for each transaction, which causes your available account balance or available line of credit to be exceeded.

In addition, to use your Card you will need to have a Personal Identification Number (“PIN”). Your Personal Identification Numbers (“PIN”) will be computer generated and forwarded to you after you receive your ATM or VISA® Check Card. If you ever forget your PIN, you will need to contact your branch of account.

PIN AND CARD SECURITY
You agree not to disclose or otherwise make your PIN available to anyone other than an authorized user of your Card. For security reasons, you agree not to write your PIN on your Card or keep your PIN in the same location as your Card. Never give anyone your PIN, or let anyone else use your Card, unless you ar willing to be responsible for all transactions they may make with the Card. Never let anyone else watch you enter your PIN at an ATM or a POS terminal.

OVERDRAFT PROTECTION
Since your VISA® Check Card is not a credit card, it does not provide overdraft or credit protection. (Using your card could, however, result in a cash advance from your Checking Line of Credit if one is established on your account.) Your Card provides access to your accounts through ATMs and point-of-sale (“POS”) terminals. In addition, it allows access to your account through merchants that display the VISA® logo.

LIMITATIONS ON DOLLAR AMOUNTS OF TRANSFERS.
When you use your 1st Centennial Bank’ ATM card you may withdraw up to a maximum of $200.00 (if there are sufficient funds in your account) per business day.

When you use your 1st Centennial Bank VISA® Check Card, we apply two limits to the amount you may withdraw from your accounts each business day. These are a "cash limit" and a "purchase limit." The cash limit is the total you may withdraw from an ATM, plus any cash back you may receive in Interlink cash transactions. (Any Check Card cash transactions also count towards your cash limit.) Your cash and POS limit is $400 each business day. (From time to time, our systems are in offline mode and during this process your cash limit is reduced to $200.00 per day.) The purchase limit is the total amount of goods or services you may pay for using your Card in signature based or VISA Transactions. Your purchase limit is $2,000.00 in outstanding transactions at any one time. ($1,200.00 when the system is in offline mode.) Your purchase limit is in addition to your cash limit. Transactions on weekends or holidays will be treated as occurring on the next business day for purposes of these limits. For any transaction, your available account balance (including any overdraft protection coverage) must be enough to cover the transaction.

ACCOUNT LIMITATIONS
Federal regulations also limit certain types of transactions/transfers from a money market or savings account. You are permitted to make no more than six transfers and withdrawals, or combination of them, per calendar month or statement cycle, to another account or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, and no more than three of the six may be made by check, draft, debit card or similar order by company and payable to third parties. Please refer to the specific account type disclosure for a more complete description of these transaction/transfer limitations.

Limitations on Frequency

• You are limited to the following number of transfers or withdrawals: If you are transferring from a money market or savings account you are limited to a maximum of 6 pre-authorized withdrawals, transactions or transfers per month. Only 3 of the 6 may be by check and three by POS/ACH transactions and telephone transfers.
• There is no limit on the amount of any transfer or withdrawal from the funds in your deposit accounts.

International Transactions

The exchange rate between the transaction currency and the billing currency used for processing international transactions is:

• A rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or
• The government-mandated rate in effect for the applicable central processing date.

A fee equal to 1% of the transaction amount is added to each international transaction. For example, if your international transaction resulted in US$100.00, the fee would be $1.00.

DIRECT DEPOSITS
You may make arrangements for certain direct deposits to be accepted into your Checking or Savings accounts.

PREAUTHORIZED WITHDRAWALS
You may make arrangements to pay certain recurring bills from your Checking account.

BUSINESS DAYS
Monday through Friday, excluding Federal Holidays.

FEES AND CHARGES FOR ELECTRONIC FUND TRANSFERS, ATM TRANSACTIONS, POS TRANSACTIONS AND VISA CHECK CARD TRANSACTIONS

• No charge for direct deposits to any type of account.
• No charge for preauthorized withdrawals from any type of account.
• No charge at this time for POS transactions.
• No charge at this time for ATM transactions.
• Except as indicated elsewhere, no charge for electronic fund transfers.
• We charge a Replacement Card Fee of $5.00 per card.
• We will charge $22.00 for each stop payment order placed on preauthorized transfers/debits.

Excessive Withdrawal Fees - The Bank assesses excessive 3rd party withdrawal fees on Money Market Accounts and Savings Accounts as described below (descriptions of transaction limitations are provided in the DEPOSIT ACCOUNT DISCLOSURE AND AGREEMENT):

When you use your ATM card at an ATM machine not owned by this bank, a fee may be charged for using that ATM by the owner of the ATM and any national, regional, or local network used to complete the transaction.

RIGHT TO DOCUMENTATION

• Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our ATM’s.
• Direct Deposits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (909) 798-3611 to find out whether or not the deposit has been made. 1st Centennial Bank offers you the convenience of 24 hour banking, 7 days a week. Simply call (909) 798-1242 to obtain balances, statement information and make telephone transfers. If the only possible transfers to or from your account are direct deposits, you will get a quarterly statement.
• Periodic Statements. You will get a monthly statement for your Checking account(s). You will get a monthly statement for your Savings account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

STOP PAYMENT PROCEDURE
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this brochure in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days.

If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

You will be charged for each stop payment order you give.

Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you 10 days before each payment, when it will be made, and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

OUR LIABILITY
If we do not complete a transfer to or from your account on time 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 instance:

1. If through no fault of ours, you do not have enough money in your account to make the transfer.
2. If the transfer would go over the credit limit on your overdraft line.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.
6. There may be other exceptions in our agreement with you.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
We will discuss information to third parties about your account or the transfers you make:

1. Where it is necessary for completing transfers.
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
3. In order to comply with government agency or court orders.
4. If you give us written permission.

CUSTOMER LIABILITY FOR UNAUTHORIZED TRANSFERS
Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days, after you learn of a loss or theft, you can lose no more than $50.00 if someone used your card and/or code without your permission.

If you do not tell us within two business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you can lose as much as $500.00.

Also, if your statement shows 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 hospital stay) kept you from telling us, we will extend the time period.

If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at any of the telephone numbers or addresses listed below, or, if the bank is closed, at 877 242-2265.

SPECIAL CONSUMER LIABILITY LIMITATIONS FOR UNAUTHORIZED CHECK CARD TRANSACTIONS
The provisions of this section apply when your Card or PIN are used in a VISA® Check Card transaction. These special provisions do not apply to PLUS, STAR or other ATM transactions. They do apply to Interlink POS transactions, but not to other point-of-sale transactions where the transaction is not processed through the VISA system.

Your liability for unauthorized VISA® Check Card transactions that are due to the loss or theft of your Card will not exceed (A) zero dollars if you report the loss or theft of your VISA® Check Card within two business days of your discovery that your VISA® Check Card was lost or stolen, or (B) the lesser of $50.00 or the amount of money, property, labor or services obtained by the unauthorized use before notification to us.

Your liability for unauthorized use of your VISA® Check Card or PIN in other cases (that is, when the unauthorized use is not due to the loss or theft of your Card) will not exceed $50.00 if you provide us with proper notification of the unauthorized transaction. For notification to us to be proper, you must provide it promptly after you first become aware of the unauthorized transaction.

Under certain circumstances your liability for unauthorized VISA® Check Card transactions can exceed these special zero dollar and $50.00 limitation. Specifically, these “SPECIAL CONSUMER LIABILITY LIMITATIONS FOR UNAUTHORIZED CHECK CARD TRANSACTIONS” provisions do not apply to VISA® Check Card transactions if we determine that you were grossly negligent or fraudulent in the handling of your Card or PIN. Nevertheless, your losses due to unauthorized use of your Card or PIN cannot exceed the limits set forth in the “CUSTOMER LIABILITY FOR UNAUTHORIZED TRANSFERS” section above, even when the special zero dollar or $50.00 limitations do not apply.

ERROR RESOLUTION
In case of errors or questions about your electronic transfers, call or write us at any of the telephone numbers or addresses listed above, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. Describe the error of the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need information.
3. 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 10 business days.

We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved an account which has been open 30 days or less) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if transfer involved a point-of-sale transaction, a foreign initiated transfer or an account open 30 days or less) to investigate your complaint or question. If we decide to do this we will credit your account within 10 business days (20 business days if the transfer involved an account open 30 days or less) for the amount you think is in error, so that 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 questions in writing and we do not receive it within 10 business days, we may not credit your account. If a notice of error involves unauthorized use of a point of sale Check Card with the VISA® logo, the Bank must provide provisional credit within 5 business days after the initial notification (instead of 10 or 20 business days).

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.

TERMINATION OF THIS AGREEMENT

We reserve the right to cancel the Agreement or your use of our electronic fund transfer services or both with or without cause and with or without notice, subject to applicable law or regulation. Examples of when we may terminate this Agreement or your electronic fund transfer services without prior notice include, but are not limited to the following:

• You or any authorized user of your Card, PIN or electronic fund transfer services breaches this or any other agreement with us.
• There are conflicting claims to the funds in your account.
• We have reason to believe that there has been unauthorized use of your Card or PIN.
• We notify you or any other party to your account that we have canceled or will cancel this Agreement.

You may cancel this Agreement at any time, with or without cause, by returning your Card to us. We will suspend your Card privileges on your account the first business day after we receive such notice. If you ask us to cancel your account or the use of your Card, or if we cancel your account or electronic fund transfer service, or the use of your Card, cancellation will not affect any liability you may have for any previous transaction and for subsequent authorized transactions performed by any other party to your account.

Your Card remains the property of the Bank.

ENFORCEMENT
In the event that either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorneys’ fees and costs, including fees on any appeal, subject to any limits under applicable law.

ATM SAFETY TIPS
As issuers of Automated Teller Machine (ATM) access devices, we have provided for your information a list of safety precautions regarding the use of automated teller machines. California issuers of Automated Teller Machine (ATM) access devices are required to provide customers with safety precautions regarding use of automated teller machines. Please read the following safety tips:

• Be aware of your surroundings, regardless of time of day or night.
• Consider having someone accompany you if you use an ATM machine after dark.
• Do not display your cash. Put it away promptly and count it later in the safety of your home or car.
• Consider using another ATM or coming back later if you notice anything suspicious. If you notice something suspicious in the middle of your transaction, consider canceling the transaction, pocketing your Card, and leaving.
• Go to the nearest public area where people are located if you are followed after making a transaction.
• Report all crimes immediately to law enforcement officials.
• Do not write your PIN on your Card or in your checkbook.
• Park your vehicle near the ATM in a well-lighted area.
• Have your transactions prepared and your Card ready to minimize your time spent at the ATM.
• Shield the ATM’s control panel from view by other persons, if possible.
• When you are finished using the ATM, take your Card, receipts and cash and leave the area immediately.

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