Bay Community Bank Terms and Conditions

AGREEMENT

By executing the Registration Form set forth below, the undersigned customer of Bay Community Bank (referred to as the Customer) agrees to the following terms and conditions of enrollment in the Internet banking network (referred to as Bay Community Bank's Internet Banking) maintained by Bay Community Bank (referred to as the Bank).

1. Services offered under this agreement.
   • Balance inquiry
   • Transfer of funds between accounts
   • Stock Quotes
   • Bill Payment (optional)
   • E-mail to Bank
   By using these services as they become available, the Customer agrees to be bound by the terms and conditions contained in the Agreement as it may be amended or supplemented from time to time.
2. Customer enrollment. The Customer will allow the Bank a reasonable time in which to complete enrollment in Bay Community Bank's Internet Banking, once the Bank has received the Registration Form. The Customer will allow the Bank a reasonable time in which to process any service requests made through Bay Community Bank's Internet Banking.
3. Security. Once the Customer has completed the Registration Form and has selected a password for access to Bay Community Bank's Internet Banking, the Customer will be solely responsible for the use by anyone of Bay Community Bank's Internet Banking who utilizes the Customer's correct password. The Bank will have no duty to further verify the identity of any Bay Community Bank's Internet Banking system user with a valid passcode. The Bank will act, and is authorized by Customer to act, on any and all instructions received under the Customer's password. The Bank has the right to monitor and review all banking activity conducted on Bay Community Bank's Internet Banking.
4. Service Charges. The Customer will be responsible for any service charges accrued in use by any user with access to the Customer's passcode. These service charges may be deducted separately from the Customer's checking account. A schedule of Bay Community Bank service charges is available at any branch or from the Bay Community Bank Call Center (1-866-593-5500). The Bank reserves the right to change charges, fees or other terms described in this Agreement.
5. Liability. The Customer agrees that neither the Bank nor any Internet service providers utilized to access Bay Community Bank's Internet Banking shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Bank, or Internet browser or Internet access providers, nor shall the Bank or any service provider be responsible for any direct, indirect, special or consequential, economic or other damages arising out of the Customer's use of Bay Community Bank's Internet Banking. The Customer further agrees that the Bank is not responsible for any damage occasioned by instructions the Bank receives from a user using the Customer's correct password.
6. Authorization to process instructions. The Customer authorizes the Bank to act on all instructions received under customer's passcode and to deduct any service charges directly from the Customer's account.
7. Termination. The Bank and Customer have the right to discontinue the Customer's use of Bay Community Bank's Internet Banking, or any of the services referenced above, at any time.
8. Account transfers. The Customer hereby authorizes the Bank to transfer funds between accounts designated under the Social Security Number or Taxpayer Identification Number via telephone or Bay Community Bank's Internet Banking as requested by an authorized agent or by anyone using the Customer's correct password. This authority shall remain in effect until the termination of the Agreement. Transfers processed after 6:00 pm will be processed the next business day.
9. Account transfer restrictions. There is no limit on the number of transactions the Customer may make on checking (demand deposit) accounts.
10. Amendments. The Bank may amend this Agreement at any time. Unless a greater period otherwise required by applicable law, the Bank will use reasonable efforts to provide notice to the Customer, by sending an email to the last known e-mail address. Or by posting notice on the Bank's website at least thirty (30) days before the effective date, of any amendment that in the reasonable opinion of the Bank will materially alter the terms of this Agreement,. Customer shall be deemed to have agreed to any such amendments to this Agreement by the continued use of Bay Community Bank's Internet Banking.
11. Additional services offered under separate Agreement. Bill Payment services of the bank used by the Customer through Bay Community Bank's Internet Banking are also subject to and governed by all terms and conditions of the Electronic Bill Payment Authorization with the Bank.
12. Corporate Customers Only. Bay Community Bank's Internet Banking is offered free of charge to sole proprietors only. A monthly fee may be applicable for other small business checking services.