Personal Enrollment

INLAND COMMUNITY BANK’S INTERNET BANKING AGREEMENT AND DISCLOSURE

Please read this Agreement and Disclosure, you may also print a copy to retain for your reference. After reading, to proceed, click on the "I Accept" button or the "Cancel" button at the end of the document.

1. INTRODUCTION

2. HOW TO REACH US

3. KEEPING YOUR ACCOUNT CONFIDENTIAL

4.ELECTRONIC BANKING DISCLOSURE

5.PROVISIONS APPLICABLE TO BUSINESSES

6. OFFICE OF FOREIGN ASSET CONTROL

7. FEES AND CHARGES ICB

• Internet Banking
  
  
  

8.OTHER GENERAL TERMS

1. INTRODUCTION  

This Agreement and Disclosure (Agreement) for accessing your INLAND COMMUNITY BANK accounts via Internet Banking is provided for your information. Please read it carefully as it pertains to your accounts and electronic services we offer.

For purposes of this Agreement, the following definitions apply. The terms "WE", "Us", "Our", "ICB" and "Bank" refer to Bank; "You" and "Your" refers to both consumer and business account owners; Internet Banking is the Internet-based service providing access to your account(s); Time of day references are to U.S. Pacific Standard Time; Business days are Monday through Friday, excluding holidays.

The first time you access your Inland Community Bank account(s) through Internet Banking 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. Internet Banking can be used to access certain Inland Community Bank accounts. Each of your accounts is governed by the applicable account disclosure statement in your Deposit Account Disclosure Booklet, (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 no 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.

2. HOW TO REACH US  

Business Days
Our normal business days and hours are Monday through Thursday, 9:00 AM to 5 PM, and Friday until 6 PM, excluding holidays.

Contact Us
You may contact us by telephoning (877) 737-2265 during normal business hours. Coming into our branch or calling us is the best way to report any problems or to get questions answered. If you cannot call us or come in person, you can write to us at: Inland Community Bank 255 S. Riverside Ave., Rialto, CA 92376.

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 Internet Banking.

If you send the Bank an electronic mail message, Inland Community Bank will be deemed to have received it on the following business day. Inland Community 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 mail message if you need to communicate with Inland Community Bank immediately.

3. KEEPING YOUR ACCOUNT CONFIDENTIAL  
Password and User ID Protection
The first account owner to log onto the Internet Banking will use any one of his/her account number(s) as the User ID. That account number will then become the permanent User ID for that account owner. Subsequent owners logging onto the Internet Banking system will use the same account number as the User ID, but will be prompted to change the User ID. Note: subsequent account holders log on using a different account number; this number will then become the permanent User ID for that joint owner (he/she will not be prompted to change the User ID).

For your protection, we recommend that you frequently change your personal password used to access Internet Banking. (You can change your password under the Change Password button.) You agree to hold your password and user ID in strict confidence and you will notify us immediately if your password and/or user ID is lost or stolen or compromised in any other way. As a precaution, it is recommended that you memorize your password and user 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.

You further agree not to allow anyone to gain access to Internet Banking 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. Inland Community 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 User ID and Password; Internet Banking 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 (877) 737-2265.

NOTE: Resetting of a password may take up to 24 hours.

Lost or Stolen Password or User ID
Contact Inland Community Bank AT ONCE if you believe your Password, User ID, ATM/POS Card, VISA Check Card, 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 (877) 737-2265 is the best way of minimizing your potential losses, or you may write us at: Inland Community Bank, 255 S. Riverside Ave., Rialto, CA 92376 to report the problem.

Personal Information Protection
In addition to protecting your Password, User 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.

Examine Your Statement
You must promptly review your statement upon receipt. See In Case of Errors or Questions About Your Electronic Transfers for further information.

4. ELECTRONIC BANKING DISCLOSURE  
Account Access
Internet Banking is an Internet-enabled service provided to our customers. By using Internet Banking with your personal Password and User ID, you can:

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 Internet Banking seven days a week, 24 hours a day. However, from time to time, some or all of Internet Banking services may not be available due to system maintenance. During such times, you may use 24-Hour telephone banking service (our automated 24-hour service, at 1(877) 737-2265.

Limitations on Funds Transfers From Money Market Checking and/or Savings Accounts
Pursuant to federal regulations, you are limited to the number of certain transactions you can make on your Savings and/or Money Market Checking Accounts. You may make no more than six withdrawals or transfers (or combination of six transfers and withdrawals) per monthly statement cycle to another account or to third parties, when these transfers are made by means of a preauthorized or automatic transfer, or telephonic agreement (including data transmission, which includes facsimile transmission), order or instructions. In addition, no more than three of the six transfers can be by check, draft, debit card, or similar order to third parties.

For Savings Accounts:
Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no transfers by check, draft, debit card or similar order to third parties.

For Money Market Accounts:
Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no more than three by check, draft, debit card or similar order to third parties.

The following list categorizes the transactions that fall within each transaction category:

Three-transaction limit

• Point-of-sale transactions (with either ATM or credit card company debit cards, i.e. Visa debit cards)
  
  
• Withdrawals payable to third parties initiated by checks or drafts
  
  

Six-transaction limit

• Preauthorized transfers (through ACH or EFT)
  
  
• Automatic transfers for overdraft protection
  
  
• Telephone transactions to transfer funds to another account at the same institution
  
  
• Fax transactions to transfer funds to another account at the same institution
  
  
• Computer (online banking) transactions to transfer funds to another account at the same institution
  
  
• Transfers between a parent’s account and his or her child’s account
  
  
• Withdrawals initiated by telephone where the proceeds are paid to third parties
  
  

Unlimited

Disclosure of Information to Third Parties
We will disclose information about your account to third parties only when one of the following conditions exist:

We may disclose information about your account-to-account verification services, such as ChexSystems, Inc. ®. If we close your account because of your unsatisfactory handling, fraud or attempted fraud or criminal activity. Information we report usually includes your name, address, Taxpayer Identification Number (TIN), driver's license number and the date and reason the account was closed. The account verification service may supply this information to others. This may adversely impact your ability to establish an account at another financial institution for up to five years from the date of our report.

Information concerning your account history with Inland Community Bank will be shared within the Inland Community Bank organization. Other information, including information you have given us as part of an application for one of our products or services or information we have received from a credit bureau or other third party, also may be shared among affiliated companies within the organization, with bank regulators and agents.

Documentation
You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account. If you currently receive a quarterly statement, when conducting on-line transactions you agree that we may change your statement to a monthly cycle to comply with Federal Regulations.

If you have arranged to have direct deposits made to your account, you can review your account history using Internet Banking or call us at 909-874-4444 during regular business hours or 1-877-737-2265 (telephone banking) to find out whether or not the deposit has been made.

Preauthorized Payments
If you have told us in advance to make regular payments (preauthorized payments) out of your account, you can stop any of these payments. Here's how:

You may notify us verbally during regular business hours at 877-737-2265, or write us at Inland Community Bank 255 S. Riverside Ave., Rialto, CA 92376, at least three (3) business days or more before the scheduled date of the transaction. If you make a verbal request, we may require you to notify us in writing within fourteen (14) days of the verbal notification. (See your Terms and Conditions for Electronic Funds Transfers and/or Schedule of Fees and Charges, prior receipt of which you acknowledge, for stop payment charge).

Account to Account Transfers
If you have established two or more deposit accounts with Inland Community Bank and use the online transfer feature provided as a convenience to you, it is believed to be in good faith by an authorized person.

A transfer made in a session that ends before 5:00 PM from any eligible account shall be made from collected funds and shall be available for withdrawal from the account into which the transfer is made as of the next banking day.

Our Liability for Failure to Make Transfer
Inland Community Bank agrees to make reasonable efforts to ensure full performance of Internet Banking. Inland Community Bank will be responsible for acting only on those instructions sent through Internet Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under our control, which may affect the accuracy or timeliness of messages you send. Inland Community Bank is not responsible for any losses incurred should you give incorrect instructions, or if your transfer instructions are not given sufficiently in advance to allow for timely processing.

Any information you receive from Inland Community Bank or other information providers is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Inland Community Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Neither Inland Community Bank nor other information providers are responsible for any computer virus or related problems, which may be attributable to services provided by your internet access provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Internet Banking. Inland Community Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

Except as otherwise provided in the Inland Community Bank Bank's Responsibility section below, and in the absence of negligence on the part of Inland Community Bank, neither Inland Community Bank, any Other Information Provider, nor any Other Software Supplier is responsible for any direct, indirect, special, incidental, or consequential damages arising in any way out of the use of Internet Banking.

Inland Community Bank's Responsibility
Inland Community Bank will be responsible for your actual losses if they were directly caused by our failure to:

However, we will not be responsible for your losses if:

• Through no fault of Inland Community Bank, you do not have enough money in your account to make the transfer.
  
  
• Through no fault of Inland Community Bank, the transaction would have caused you to exceed your available credit.
  
  
• 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.
  
  
• Your funds are subject to legal process or other encumbrance restricting the transfer.
  
  
• Your transfer authorization terminates by operation of law.
  
  
• You believe someone has accessed your accounts without your permission and you fail to notify us.
  
  
• You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement.
  
  
• We have received incomplete or inaccurate information from you or a third party involving the account or transfer.
  
  
• We believe 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 or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

In Case of Errors or Questions About Your Electronic Transfers (Consumer/Personal Accounts Only)
In case of errors or questions about your electronic funds transactions, or if you think your statement or receipt is wrong or if you need more information about an EFT listed on your account statement or receipt, contact Inland Community Bank at (877) 737-2265, or write to us at Inland Community Bank, 255 S. Riverside Ave, Rialto, CA 92376. We must hear from you no later than sixty (60) days after we have sent the FIRST statement on which the problem or error appeared. We will need you to provide to Inland Community Bank the following information.

If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10) business days (twenty (20) business days if the account is still in its new account period after we hear from you and will correct any error promptly. If we need more time, we may take up to forty-five (45) days or ninety (90) days if the account is still within its new account period, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the account is still within its new account period) 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 question in writing and we do not receive it within ten (10) business days, we may not credit your account.

Regardless of the outcome of our investigation, we will send you a written explanation of our findings within three (3) business days after we complete our investigation. That explanation will include a notice of the date and the amount of the item in question. If our investigation reveals that no error occurred and we debit the provisional credit, we will continue to honor any third party checks or pre-authorized transfers for a period of five (5) business days to the extent that they would have been paid if the provisional credit had not been debited.

We will send you a written explanation within three (3) business days following our decision based on our investigation. You may request copies of the documents that we used in our investigation.

Liability for Unauthorized Use (Consumers/Personal Accounts Only)
If you believe that your Password and/or User ID (including ATM/DEBIT card or PIN), has been lost, stolen or discovered by an unauthorized person and you notify us within two (2) business days of the loss or theft, you can lose no more than $50. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your Password, User ID, ATM/DEBIT Card or PIN, and we can prove that we could have prevented someone from accessing your accounts via one of the above without your permission, you could lose as much as $500.

Also, if your statement reflects any EFT's that you did not make or authorize, notify Inland Community Bank AT ONCE. Failure to notify the Bank within sixty (60) days after the statement was mailed to you may result in zero compensation for any losses you may sustain if Inland Community Bank can prove that we could have prevented someone from accessing your account(s) if you had notified us in time. If a good reason (such as a long trip or hospital stay) prevented you from notifying the Bank, we will extend the time periods.

If you authorize someone else to use your Password, User ID, PIN, you are responsible for all transactions, which that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorize.

5. PROVISIONS APPLICABLE TO BUSINESSESS  
You agree that we may send notices and other communications to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that Inland Community Bank will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business.

You agree to:

THE BANK WILL HAVE NO LIABILITY TO YOU FOR ANY UNAUTHORIZED TRANSFER MADE USING YOUR PASSWORD THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE.

By using Internet Banking, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions, which are commercially reasonable. You agree to be bound by instructions, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice).

If we fail or delay in making a transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous amount which is less than the amount per your instructions, unless otherwise required by law, our liability shall be limited to interest on the amount which we failed to transfer, calculated from the date on which the transfer was to be received until the date it was actually made or you canceled the instructions.

If we make payment or transfer in an erroneous amount which exceeds the amount per your instructions, or if we permit an unauthorized transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law, our liability will be limited to a refund of the amount erroneously transferred, plus interest thereon from the date of the transfer to the date of the refund, but in no event to exceed sixty (60) days' interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where the Bank is headquartered for each day interest is due, computed on the basis of a 360-day year. UNLESS OTHERWISE REQUIRED BY LAW, IN NO EVENT WILL THE BANK BE LIABLE TO YOU 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

6. OFFICE OF FOREIGN ASSET CONTROL  
Under the Bank Secrecy Act, the Bank is prohibited from transacting business with persons or entities listed as "blocked" by the Office of Foreign Assets Control (OFAC). The official listing is published in the Federal Register and updated from time to time. You agree not to transact business with persons or entities blocked by OFAC.

7. FEES AND CHARGES  

Internet Banking
There are no fees or charges for accessing your account through Internet Banking. Other fees, as described in your Schedule of Fees and Charges (prior receipt of which you acknowledge), may apply to services you order online.

8. OTHER GENERAL TERMS  

Other Agreements
In addition to this Agreement, you agree to be bound by and will comply with all terms and conditions applicable to each of your accounts with Inland Community Bank, as described in your Deposit Account Disclosure Booklet (prior receipt of which you acknowledge). Your use of Internet Banking is your acknowledgment that you have received these agreements and intend to be bound by them.

Severability
In the event that any portion of this Agreement is held by a court to be invalid or unenforceable for any reason, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the Agreement.

Modifications to This Agreement
Inland Community Bank may modify the terms and conditions applicable to Internet Banking from time to time upon mailing or delivering a notice of the modifications to you at the address shown on your account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law.

Right to Terminate Agreement
Inland Community Bank reserves the right to terminate this Agreement and your access to Internet Banking in whole or in part, at any time.

Inactivity Status
If you do not access Internet Banking during any consecutive sixty (60) day period your password will convert to inactive status. If your password becomes inactive, you must contact us to have the password re-activated before you will be able to access Internet Banking or schedule any transaction.

This Agreement will remain in effect until you or Inland Community Bank terminates it.

You understand that you may cancel this Agreement at any time by notifying Inland Community Bank electronically or by mail at the address provided below. This will cancel Internet Banking, but will not terminate your accounts with Inland Community Bank.

You may notify Inland Community Bank by one of the following methods:

Governing Law

The laws of the State of California, bank regulations, and applicable federal laws govern this Agreement.

Inland Community Bank Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Inland Community Bank, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Internet Banking, or Internet browser or access software.
We invite you to print a copy of this Internet Banking Disclosure and Agreement and retain it for your records. You may also request a copy of this Agreement be mailed to you. To do so, email us at: mailbox@inlandcommunitybank.com or call us at (877) 737-2265 during regular business hours.

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