SITE DISCLAIMER
Every effort has been made by California Community Bank to give accurate and reliable information in California Community Bank’s Web Site. Please be aware that due to the possibility of human and mechanical errors, as well as other factors, California Community Bank is not responsible for any errors or omissions confined herein.

All information in California Community Bank’s Web Site is provided “as is,” without warranty of any kind. California Community Bank makes no representations and specifically disclaims any express or implied warranties to users and/or any third parties, including but not limited to, warranties as to accuracy, timeliness, completeness, merchantability, or fitness for any purpose. The content of the Web Site may not be used for commercial or non-commercial use without the expressed written consent of California Community Bank.

California Community Bank shall not be liable under any circumstances to users and/or third parties for indirect, consequential, incidental or punitive damages as a result if using the Web Site. Even if California Community Bank is advised of the possibility of such damages, California Community Bank shall not be liable.

California Community Bank’s Web Site may include access to external Web Sites, known as “links”. Please note that California Community Bank is not associated with and has no control over the content or information on such links and, therefore, is not responsible for any such links or external Web Sites. California Community Bank does not endorse, promote, and/or sanction these links. The links have been provided for your convenience. The content or information in such links is the sole responsibility of their authors and/or owners. California Community Bank is not offering these links as a service.

Statements made by others concerning future performance, developments or events, concerning expectation for growth and market forecasts, and any other guidance on future periods, constitute forward-looking statements, which are subject to a number of risks, and uncertainties, which might cause actual results to differ materially from stated expectations.

STOP PAYMENT ORDER
To be effective, your stop payment order must precisely identify the number, date, amount of the item and payee. The Bank must be given a reasonable opportunity to act on the order and the order is only valid if the check has not been accepted, settled or paid.

California Community Bank
Online Security and Legal Notice

At California Community Bank we take security very seriously.  The latest methods in Internet system security are used to increase and monitor the integrity and security of our system.  Our Online Banking integrates industry approved security technologies to address three primary concerns about Online Banking security:  Secure login and user authenticity, encryption when data is in transit and secure routers and firewalls.

Intrusion Detection Systems
Our network intrusion detection system is running 24 hours a day, 7 days a week.  The network intrusion detection engine is looking for attack signatures-watching for evidence that an attempted intrusion is taking place.  When the engine detects unauthorized activity, it responds immediately by terminating the connection, sending an alert to specially trained staff and recording the session.  This allows security architecture to automatically monitor network traffic, detect and respond to suspicious activity, and intercept and respond to network abuse before systems are compromised.

What You Can Do To Protect Yourself
OF NOTE:  Online Banking security does not rely on technology alone.  You must treat your User ID and Password with the same care as an ATM Card and PIN.  If you are logged in to the service, be sure to long off of the service and exit the browser when you leave the computer unattended.  You should also take standard precautions to keep your system clean and free from viruses that could be used to capture password keystrokes and financial information. 

When accessing our Internet Banking site, you will be forwarded to a web page with a URL address that starts with https://. This will cause your browser’s HTTPS layer to start an encrypted session using SSL. You will then receive a login screen. Since the encrypted session has already been started, your Access ID and password are safe and secure. The data traveling between your computer and the server is encrypted and can only be decrypted with the public and private key pair. These two keys are the only combination possible for that session. When you log off the system your session is completed and the encryption keys expire. This process will start over again when you next log on to the system, which will create a new session.

Your Agreement in using Online Banking
For your protection, we recommend that you frequently change your personal password used to access Online Banking. (You can change your password under the Change Password Button.) 

You agree to hold your password and access ID in strict confidence and to notify us immediately if your password and/or access ID is lost or stolen.  We recommended that you memorize your password and access ID and do not write either down.  Passwords should not be easy to guess; for example, birth dates, addresses or other easily recognized identifications related to you.  We suggest that you do not have your browser remember your password.

You agree not to allow anyone access to your login ID or Password used with Online Banking.  You agree to assume all responsibility for transactions up to the limits allowed by applicable law.  California Community Bank will not be responsible for any loss due to breach in the above security procedures.

Site Disclaimer
All information contained herein is believed by California Community Bank to be accurate and reliable.  Because of the possibility of human and mechanical error as well as other factors, California Community Bank is not responsible for any errors or omissions.

All information in California Community Bank’s Web Site  is provided “as is” without warranty of any kind.  California Community Bank makes no representations and specifically disclaims all express, implied, and statutory warranties of any kind to user and/or third party including but not limited to, warranties as to accuracy, timeliness, completeness, merchantability, or fitness for any particular purpose. The content of the Web Site may not be used for commercial or non-commercial use without the expressed written consent of California Community Bank.

California Community Bank shall under no circumstances be liable to user and/or any third party for any indirect, consequential, incidental or punitive damages whatsoever in using the Web Site and Online Banking: even if California Community Bank has been advised of the possibility of such damages, California Community Bank shall not be liable.

California Community Bank’s Web Site may include access to external Web Sites, known as “links”. Please note that California Community Bank is not associated with and has no control over the content or information on such links and, therefore, is not responsible for any such links or external Web Sites. California Community Bank does not endorse, promote, and/or sanction these links. The links have been provided for your convenience. The content or information in such links is the sole responsibility of their authors and/or owners. California Community Bank is not offering these links as a service.

Statements made by others concerning future performance, developments or events, concerning expectation for growth and market forecasts, and any other guidance on future periods, constitute forward-looking statements, which are subject to a number of risks, and uncertainties, which might cause actual results to differ materially from stated expectations.

Disclosure
Product descriptions contained herein do not take the place of required disclosure on personal and business deposit and loan accounts under applicable federal and state regulations.

Three Fail Attempts to Logon will Disable your Account
To guard against unauthorized use of your Access ID and Password, Online 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 mis-keying a Password three (3) times. 

If you do not access Online 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 Online Banking or schedule any transaction.

Lost or Stolen Password or Access ID
Contact California Community Bank AT ONCE if you believe your Online or Telephone Banking Password, Access 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 online or your monthly printed statement.  Phoning us immediately at 760 888-1000 is the best way to minimize your potential losses.

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.

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.

FAIR LENDING STATEMENT
It is the policy of California Community Bank to comply with the letter and intent of all fair lending laws. The bank and its Board of Directors have a long-term commitment to help meet the credit needs of its entire community in a nondiscriminatory manner. In the spirit of this directive, the bank's objectives in fair lending are:

To provide access to credit by clients and prospective clients in a fair and consistent manner;

To assure that every aspect of the lending process is nondiscriminatory; and

To train all bank personnel to grant and administer credit in compliance with fair lending laws

IMPORTANT INFORMATION
ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a new account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

ELECTRONIC MAIL, E-Mail, Notice
Please be aware that messages sent by e-mail may not be secure and may be intercepted by third parties.  A, “receipt” message simply confirms that a message has been routed into the Internet for delivery to California Community Bank, and may not be immediately received by California Community Bank. 

Please, “DO NOT” originate e-mails to us which contain confidential information, or which may require immediate attention. For these matters we ask that you call us instead at 760 888-1000.

Privacy Rights Clearinghouse
http://www.privacyrights.org/identity.htm

This is a nonprofit consumer education, research and advocacy program based in San Diego.  This link goes to their identity theft page.

The Identity Theft Resource Center
http://www.idtheftcenter.org
ITRC is a nonprofit organization dedicated to developing and implementing a comprehensive program against identity theft.

CALIFORNIA COMMUNITY BANK
ONLINE BANKING AGREEMENT
AND ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE STATEMENT

Please read this Agreement and Disclosure Statement. You may also print a copy to retain for your reference. If you agree to the following terms and conditions, click on the "I Accept" button at the end of this document. If you do not accept the terms and conditions or if you wish to return to the home page of California Community Bank, click on the "Cancel" button at the end of the document.

1.   INTRODUCTION

2.   HOW TO REACH US
Business Days
Contact Us
E-Mail

3.   KEEPING YOUR ACCOUNT CONFIDENTIAL
Password and Access ID Protection
System Lock Out
Lost or Stolen Password or Access ID
Personal Information Protection
Examine Your Statement

4.   ELECTRONIC BANKING DISCLOSURE
Account Access
Limitations on funds Transfer from Money Market Checking and/or Savings Accounts
Disclosure of Information to Third Parties
Documentation
How to stop a Preauthorized Payment
Account to Account Transfer
Our Liability for Failure to Make Transfers

California Community Bank’s Responsibility

Stop Payment Request
In Case of Errors or Questions about Your Electronic Transfers (Applies only to Consumer /Personal Accounts)
Liability for Unauthorized Use (Applies only to Consumer/Personal Accounts)

5.   PROVISIONS APPLICABLE TO BUSINESSES                                                                                

6.   OFFICE OF FOREIGN ASSET CONTROL                                                                            

7.   FEES AND CHARGES
California Community Bank-Online Banking                                                                                                   

8.   OTHER GENERAL TERMS
Other Agreements
Severability
Modifications to This Agreement
Rights to Terminate Agreement
Inactive Status
Governing Law

California Community Bank Liability  

1.   INTRODUCTION

This Agreement and Disclosure Statement (Agreement) for accessing your California Community Bank Accounts via Online Banking, is provided for your information and acceptance. Please read it carefully as it pertains to your accounts and the electronic services we offer. 

For the purposes of this Agreement the following definitions apply. The terms “We”, “Us”, “Our”, and “Bank” refer to California Community Bank; “You” and “Your” refers to both consumer and business account owners; Online 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 Mondays through Friday, excluding holidays.  

Please read carefully the Agreement below.  This agreement includes your rights and obligations as a user of or Online Banking Service.  It also describes the rights and obligations of California Community Bank.  By pressing the,  “I Agree” button below, you agree to comply with the terms and conditions of this Agreement.  You also acknowledge by signing the Online Banking Service that you have downloaded, printed, or otherwise received a copy of the terms and conditions and that you understand them.  

The first time you access your account(s) through Online Banking you will need to confirm your agreement to abide by the terms and conditions of this Agreement and acknowledge your receipt and understanding of this of this disclosure by pressing the, “ I Agree” button. We may change the terms or amend this Agreement from time to time without notice or as otherwise provided by law. Online Banking can be used to access certain Bank accounts. Each of your accounts at California Community Bank is also governed by the applicable account disclosure statement in your Terms and Conditions of Your Account Disclosure and the Schedule of Charges and Fees, (prior receipt of which you acknowledge.)  This Online Agreement does not replace the disclosures received at time of opening deposit accounts with California Community Bank.  

This Agreement will be governed by, and interpreted in accordance with federal law and regulations 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 A.M. to 5:00 P.M., and Friday from 9:00 A.M. until 6 P.M., excluding federal holidays.

Contact Us
You may visit our branch office during normal business hours or telephone us at (760) 888-1000. A voice mail system is available during non-normal business hours. You may also write to us at:  

California Community Bank
1320 West Valley Parkway Suite 301
Escondido CA 92029

E-Mail

Sending e-mail is another way that you can communicate with us. We have provided e-mail links for you to ask questions or to give comments regarding our Web Site or Online Banking. Your e-mail messages may be acted upon by Bank if the message was received in a manner and in a time providing the Bank has a reasonable opportunity to act.  Nevertheless, unless otherwise expressly provided herein, e-mail messages will not serve as a substitute for any requirement imposed on You to provide the Bank with “written” notice or instruction. If you send an electronic mail message, California Community Bank will be deemed to have received it on the following business day. If immediate attention is required, you must contact the Bank by telephone or in person or through some other procedure other than e-mail.  

E-mail is not a secured environment. Do not send account information or transaction information via e-mail.

 3. KEEPING YOUR ACCOUNT CONFIDENTIAL

Password and Access ID Protection
For security purposes, you are required to change your Access ID and Password upon your initial login to Online Banking. You determine what Access ID and Password you will use and the identity of your password is not communicated to us. For your protection, we recommend that you frequently change your personal password used to access Online Banking. (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. It is also recommended you do not have your browser automatically remember your password. The Access ID must contain at least 6 characters while your Password is required to be between 8 and 12 characters. It is recommended that you use a combination of alpha and numeric or a combination of upper and lower case alpha for security purposes.  

You further agree not to allow anyone to gain access to Online 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. California Community Bank will not be responsible for any loss due to breach in the above security procedures.  

System Lock Out
To guard against unauthorized use of your Access ID and Password, Online Banking disables the password indefinitely on the third unsuccessful attempt to log in. You will need to call the Bank at (760) 888-1000 to reestablish the password for your account(s).  

Lost or Stolen Password or Access ID
Contact California Community Bank AT ONCE if you believe your Password, Access ID, Telephone Banking Password, ATM/POS Card, VISA Check Card, or Personal Identification Number (PIN) has been lost or stolen or if you have identified any unauthorized Electronic Funds Transactions (EFT) on your current statement viewed online or your monthly printed statement. Telephoning us IMMEDIATELY at (760) 888-1000 is the best way of minimizing your potential losses. You may also write to us to report the problem at:  

California Community Bank
1320 West Valley Parkway Suite 301
Escondido CA 92029  

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 about 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
Online Banking is an Internet-enabled service provided to our customers. By using Online Banking with your personal Password and Access ID, you can:

• Make account inquiries
• Check account balances
• Transfer funds between your Savings, Checking and Money Market accounts
• Access your current account statement(s) 
• Request a Stop Payment

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 Online Banking seven days a week, 24 hours a day. However, from time to time, some or all of our Online Banking Services may not be available due to system maintenance.

During such times you may visit or call the branch at (760) 888-1100 or you may use our TeleBank service, (our 24-hour automated telephone banking service) by calling 1-877-252-9746.  

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.

During each calendar month, you may make no more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party.

 Online transfers are transactions between accounts initiated through Online Banking. Telephone transfers are transfers between accounts initiated by a personal telephone call or by using our TeleBank service. Pre-authorized withdrawals are transfers made according to a specific agreement between a customer and us or another party. (Examples of preauthorized withdrawals are regular electronic payments from savings made to a third party, such as health clubs, insurance companies, etc.) Check access refers to any checks you write on your Money Market account.

 Disclosure of Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:

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

We may disclose information about your account to account verification services, such as ChexSystems Inc. ®, if we close your account due to 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 California Community Bank will not be disclosed to anyone, except as permitted by law.  For an example of information that may be disclosed as permitted by law, we may disclose nonpublic information about you to others to assist us in servicing your loan or account with us, to government entities in response to subpoenas and to credit bureaus.

  Servicing Arrangements/Joint Marketing Disclosure

We may disclose information about you to companies who work with us to provide services to you such as check printing and Online Banking.  We may also disclose information about you to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.  Any such program would include confidentiality agreements to protect customer information.

  Documentation
You will continue to receive your regular account statement. Accounts containing Online transactions will receive a monthly statement, even if the normal statement cycle is quarterly, for the month during which the Online transaction was conducted. This change to a monthly cycle is made in order for the Bank to comply with Federal Regulations.  

If you have arranged to have direct deposits made to your account, you can review your account history using Online Banking or call us at (760) 888-1100 during regular business hours or 1-877-252-9746 (Telebank service) 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:  

Call us at (760) 888-1000 during regular business hours or write to us at:  

California Community Bank
1320 West Valley Parkway Suite 301
Escondido, Ca 92029
We must receive your stop payment request three (3) business days or more before the payment is scheduled to be made. If you make a call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call.  

Account-to-Account Transfers
If you have established two or more deposit accounts with California 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 post to your account the same business day and shall be available for withdrawal from the account into which the transfer is made as of the next day. Sessions ending after 5:00 P.M. on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day.  

Our Liability for Failure to Make Transfer
California Community Bank agrees to make reasonable efforts to ensure full performance of Online Banking. California Community Bank will be responsible for acting only on those instructions sent through Online Banking, which are actually received in a condition that allows downloading and ability to read, and cannot assume responsibility for malfunctions in communication facilities not under our control, which may affect the accuracy or timeliness of messages you send. California 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 California 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. California 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 California 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 Online Banking. California 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 California Community Bank’s Responsibility section below, and in the absence of negligence on the part of California Community Bank, California Community Bank, is not responsible for any direct, indirect, special, incidental, or consequential damages arising in any way out of the use of Online Banking.

California Community Bank’s Responsibility
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 and damages. However, there are some exceptions.

We will not be liable, for instance:

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

Stop Payment Request

You may initiate stop payment requests through Online Banking only for paper checks that you have written (non-electronically) on your California Community Bank account. Stopping the payment of a check is different from stopping or the cancellation of a bill payment.  

A stop payment request made in a session that ends before 5:00 P.M. will be effective the same business day. To be effective, this type of stop payment request must precisely identify the name of the payee, the check number and the amount.  

If you request a stop payment online, your login will serve as your authorization to act upon the request. We may also require you to put your request in writing and forward it to us within 14 calendar days from the date of the online request. We will inform you within 48 hours if this is necessary. For more detailed stop payment information refer to the stop payment section of the Terms and Conditions of Your Account Disclosure.  

In Case of Errors or Questions About Your Electronic Transfers (Consumer/Personal Accounts Only)
In case of errors or questions about your Electronic Transfer, or if you think your statement or receipt is wrong or if you need more information about an Electronic Transfer listed on your account statement or receipt, contact us as soon as you can by telephoning us at (760) 888-1000 or by writing to us at:  

California Community Bank
1320 West Valley Parkway Suite 301
Escondido CA 92029  

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.

1. Tell us your name and your account number (if any).

2. 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
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 ten (10) business days

We will determine whether an error occurred within ten (10) business days (five (5) business days if involving a Visa transaction or twenty (20) business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (five (5) business days if involving a Visa transaction or twenty (20) business days if the transfer involved a new account) 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.

An account is considered a new account for thirty (30) days after the first deposit is made, if you are a new customer.  

We will tell you the results within three (3) 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.  

Liability for Unauthorized Use (Consumers/Personal Accounts Only)
You Agree to tell us at once if you believe that your Password and/or Access ID (including ATM/POS card, Telephone Banking, Debit card or PIN), has been lost or stolen or discovered by an unauthorized person. Telephoning us is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum Ready Reserve line of credit). If you believe that that your Password and/or Access ID (including ATM/POS card, Debit card or PIN), has been lost or 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 someone used your card and/or codes without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Password and/or Access ID, ATM/POS card Debit card or PIN, and we can prove that we could have stopped someone from using the card and/or codes without your permission if you had told us, you could lose as much as $500.  

Also, if your statement shows transfers that you did not make, You Agree to tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (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.  

You Agree to be responsible for all transactions if you authorize someone else to use your Password, Access ID, or PIN, 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 BUSINESSES
Business accounts utilizing the Online Banking Services agree to keep all Password and Access ID’s confidential and safeguarded, and only authorized account signers are to access the Business account(s) through Online Banking. In addition to authorized signers, the Business may designate other persons to access the Business account(s) through Online Banking by signing an Authorization Amendment for Business Access to Online Banking. The Business agrees and represents that these persons will abide by the Online Banking Agreement, including keeping the Password and Access ID confidential and reporting to an authorized signer and the Bank if they suspect someone has obtained their Password and/or Access ID. The Business also agrees to establish policies and procedures to prevent disclosure of any security code to any unauthorized personnel.  

The Business Agrees to promptly report to the Bank the dismissal or termination of any employee who has received or become aware of any security code to access Online Banking.  

THE BANK WILL HAVE NO LIABILITY TO THE BUSINESS OR ANY OTHER PERSON (S) FOR ANY UNAUTHORIZED ACCESS MADE USING YOUR PASSWORD BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE  

By using Online 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 your 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). 

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  

Online Banking
There are no fees or charges for accessing your account through Online Banking. Other fees, as described in your Schedule of Charges and Fees (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 California Community Bank, as described in your Terms and Conditions of Your Account Disclosure and the Schedule of Charges and Fees (prior receipt of which you acknowledge).  You Agree that  your use of the Online Banking is your acknowledgement 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
California Community Bank may modify the terms and conditions applicable to Online Banking from the 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
California Community Bank reserves the right to terminate this Agreement and your access to Online Banking in whole or in part, with or without notice, at any time.  

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

This Agreement will remain in effect until it is terminated by you or by California Community Bank.  

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

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

• By calling (760) 888-1100

• (9:00 A.M. to 5:00P.M. Monday through Thursday, or 9:00 AM to 6:00 PM on Fridays)

• By writing a letter and delivering it to our branch office
• By writing a letter and sending it to the following address:

 California Community Bank
1320 West Valley Parkway Suite 301
Escondido CA 92029 

Governing Law

This agreement is governed by the laws of the State of California, bank regulations and applicable federal law.  

California Community Bank Liability
You Agree that, except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we, CCB, nor the third party service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, California 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, CCB, or the service providers be responsible for an 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, Online Banking, or Internet browser or access software

We invite you to print a copy of this Online Banking Agreement And Electronic Funds Transfer Act Disclosure Statement and retain it for your records. You may also request a copy of this Agreement be mailed to you. To do so, call us at (760) 888-1000 during business hours or write to us at:

California Community Bank
1320 West Valley Parkway Suite 301
Escondido CA 92029

California Community Bank
Online Security

At California Community Bank we take security very seriously.  We have taken the precautionary steps necessary to be sure that your information is transmitted safely and securely. The latest methods in Internet system security are used to increase and monitor the integrity and security of our system.

System Architecture

To develop a sound architecture, California Community Bank has incorporated the capabilities of firewalls, control capabilities of routers, operating system level controls, application level controls, report consolidation methods, and security monitoring devices such as intrusion detection systems and scanners. In this architecture, every piece is layering on the capabilities of the other to create overlapping controls and fail-over. What this means to you is that if a single layer of security is broken, other layers of security are there to protect you and your banking information. This is typically referred to as “security-in-depth”.

Security Sockets Layer

Data security between your browser and our Web server is handled through a security protocol called Secure Sockets Layer (SSL). SSL provides data encryption, server authentication and message integrity for an Internet connection. Additionally, SSL provides a security “handshake” that is used to initiate the connection. This handshake results in your browser and the Internet banking server agreeing on the level of security they will use and fulfills any authentication requirements for the connection. Currently, California Community Bank’s online banking application supports data encryption at the highest level. (128 bit). In order to get this level of encryption, you will need a browser that supports it. It may be necessary to visit your browser company’s home page to download upgrades that may be necessary.

When accessing our Internet Banking site, you will be forwarded to a web page with a URL address that starts with https://. This will cause your browser’s HTTPS layer to start an encrypted session using SSL. You will then receive a login screen. Since the encrypted session has already been started, your Access ID and password are safe and secure. The data traveling between your computer and the server is encrypted and can only be decrypted with the public and private key pair. These two keys are the only combination possible for that session. When you log off the system your session is completed and the encryption keys expire. This process will start over again when you next log on to the system, which will create a new session.

Intrusion Detection Systems

Our network intrusion detection system is running 24 hours a day, 7 days a week. The network intrusion detection engine sits on the same network as the Internet Banking site and monitors all traffic on that segment. The engine is looking for attack signatures- watching for evidence that an attempted intrusion is taking place. When the engine detects unauthorized activity, it responds immediately by terminating the connection, sending an alert to specially trained staff and recording the session. This allows the security architecture to automatically monitor network traffic, detect and respond to network abuse before systems are compromised.

What Can You Do To Protect Yourself

Internet security does not rely on technology alone. Without everyone’s participation, all the security systems and technology in the world are worthless. You must treat your Access ID and password with the same care as an ATM or credit card and PIN.  In addition, you must make sure that no one is physically watching when you enter your password. If you are logged in to the system, be sure to log off of the system and exit the browser when you leave the computer unattended.  You should also take standard precautions to keep your system clean and free from viruses that could be used to capture password keystrokes and financial information.

If you have any additional questions regarding the security of our Internet banking site, please contact us at (760) 888-1000.