ONLINE BANKING AGREEMENT & DISCLOSURE

Welcome to People’s Bank Online Banking! Online Banking refers to a suite of personal products offered through the Internet for accessing People’s Bank account information and performing certain transactions involving those accounts. Enrolling in one or more of Online Banking services or your use of any Online Banking services through our site is subject to all of the following terms and conditions (the “Agreement”). Please read the Agreement carefully before proceeding, as your use of Online Banking constitutes your acknowledgment of and agreement to all of its terms and conditions.

Each of your accounts are governed by their respective contacts, disclosures of account terms, borrowing agreements, notes, applicable fee schedules, and any other agreement evidencing the terms and conditions of your accounts (collectively “Account Agreements”). If any provision of this Agreement is in conflict with the Account Agreements, the Account Agreements shall prevail.

DEFINITION OF TERMS

The words “we”, “us” and “our” refers to People’s Bank. In this Agreement, the words “you”, “your” and “yours” mean those who request and use Online Banking, any joint owners of accounts accessed under this Agreement or any person authorized by you to use your Online Banking service. “Account” means any one or more deposit, loan, or other accounts you have with People’s Bank to which you have access through Online Banking and does not have withdrawal restrictions, such as a certificate of deposit, or accounts that require two or more signatures. An Account may be owned by a consumer or business entity. “Business Days” are Monday through Friday except Bank holidays.

ONLINE BANKING SERVICES

Online Banking is an electronic banking service available to you through a personal computer (PC) using an account access ID and a password. At the present time, you may use the Online Banking service to access your accounts and perform the following functions:

  • Review account balances and transactions history for accounts
  • Transfer funds between linked accounts
  • Place stop payments on written checks
  • Setup eMessages for email notification on your bank accounts
  • Export your account information to financial management software programs such as Quicken®, QuickBooks®, Microsoft Money®, or Microsoft® Excel

From time to time, People's Bank may elect to add new services to our Online Banking system. The Agreement wil be modified to include any new services offered. In addition, People's Bank reserves the right to modify the terms and conditions of the Agreement at any time effective upon publication including posting the change on our Internet website

We recommend that you print a copy of this Agreement for your records and that you periodically check for updates or changes and review the lastest Agreement available.

ACCOUNT ACCESS

When you use your Online Banking service, you must use your access ID along with your password to access your account. The Accounts to which you may have access through Online Banking include your checking accounts, savings accounts, loan accounts, home equity accounts, line of credit accounts, and certificate of deposit accounts. Accounts you open after enrollment in Online Banking will be included in Online Banking unless you instruct us in writing otherwise. We undertake no obligation to monitor transactions through Online Banking to determine that they are made on behalf of the accountholder.

The Online Banking service is accessible seven (7) days a week, twenty-four (24) hours a day, except for reasonable periods from time to time for system maintenance. There may also be unscheduled down time, but we will work to minimize such interruptions in service. You agree that we are not liable for scheduled or unscheduled interruptions regarding the Online Banking service.

It is highly recommended you use Microsoft® Internet Explorer 6.0 (or higher) with 128-bit encryption or Netscape Navigator/Communicator ® 6.1 (or higher) with 128-bit encryption. The Internet web site for Online Banking is located at “www.peoplesbankofcommerce.com" or such other Internet addresses as we may provide. No additional software is required for Internet access. Information is not stored on your PC unless you specifically export it to your PC.

If you do not access Online Banking during any consecutive ninety (90) day period your password will convert to inactive status. If your password becomes inactive, you must contact us to have a temporary password assigned before you will be able to access Online Banking. If you do not access onling banking during any consecutive one hundred eighty (180) day period, your online banking access terminates.

ACCESS ID & PASSWORD

Your initial access ID will be your account number and the bank will provide a temporary password to you. For security purposes, you are required to change your access ID and your password the first time you access Online Banking. We also require that you create an access ID and password that is case sensitive and utilizes both alpha and numeric characters using 6 to 12 characters. You determine what password you will use and the identity of your password is not communicated to us.

By entering your access ID and password, you authorize us to follow any instructions entered through Online Banking. You accept responsibility for the privacy and security of your access ID and password; and agree not to give your access ID and password, or make them available, to any other person. You assume responsibility for all transactions up to the limits allowed by applicable law. People’s Bank will not be responsible for any loss due to breach in the above security procedures.

Your access to Online Banking will be blocked in the event your password is entered incorrectly on three (3) consecutive access attempts. To re-establish your authorization to use Online Banking, you can contact us at 866.454.4735 or go online to have your password reset or to obtain a new temporary password. The reset password link is located on the screen where you enter your password. The system will ask you for your Access ID then email you a password to the email address on file.

SECURITY

You understand the importance of your role in preventing misuse of your accounts through Online Banking and you agree to promptly examine your statement for each of your Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number and your personal identification information (e.g., your driver’s license number and social security number). You understand that personal identification information by itself or together with information related to your account, may allow unauthorized access to your account. Your password and access ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Online Banking is encrypted and in an effort to provide transmission security Online Banking utilizes identification technology to verify that the sender and receiver of system transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that Online Banking is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the Online Banking services, or e-mail transmitted to and from us, will not be monitored or read by others.

BALANCE INQUIRIES

You may use Online Banking to check the balances and recent activity of your Accounts. Any balance shown by Online Banking will include a date as of which the balance is current. The balance shown by Online Banking may not be your actual available balance. It may include deposits still subject to verification by us. The balance shown may also differ from your records because it may not include pending items such as deposits in progress, outstanding checks or other withdrawals, payments, charges, or items in process. Certain pending items are available to view in Online Banking. Due to processing constraints, there may be some pending items that affect balance activity, which are not available to view in Online Banking.

TRANSFERS

Transfers you make through Online Banking before 5:00PM (Pacific Standard Time) on a business day are posted to your account the same day. Transfers you make after 5:00PM (Pacific Standard Time) on a business day, Saturday, Sunday or banking holiday, may not be posted until the next business day. People’s Bank identifies transfers based upon the access ID of the user who made the electronic transfer. You agree to communicate with any other persons, with authorized access to your accounts, concerning any transfers from your account in order to avoid overdrafts. You can transfer funds between your linked checking, savings, credit line and money market accounts, from accounts with the same signers and same vesting only.

OVERDRAFTS

If your account has insufficient funds to perform any electronic fund transfers (EFT) you have requested for a given business day, then:

  1. Electronic funds transfers involving cash disbursements, like ATM withdrawals, will have priority;
  2. Electronic fund transfers initiated through Online Banking, which would result in an Overdraft of your account, may at our discretion, be cancelled;
  3. In the event the fund transfers initiated through Online Banking, which would result in an overdraft of your account, are not cancelled, overdraft charges may be assessed pursuant to the terms of the Deposit Account Agreement for that account.

TRANSFER LIMITATION

The following limitations apply:

  • Savings Account - Transfers from a Regular Savings account to another account or to third parties are limited to six pre-authorized transactions per month. Pre-authorized withdrawals include but are not limited to: ACH debit, telephone transfers, online banking transfers, and overdraft protection
  • Money Market Account - Transfers from a Money Market account to another account or to third parties are limited to six pre-authorized transactions per statement cycle. Pre-authorized withdrawals include but are not limited to: ACH debit, telephone transfers, online banking transfers, overdraft protection and checks.

The number of transfers from People’s Bank accounts and the amounts, which you may transfer, are limited pursuant to the terms of the applicable Deposit Account Agreement and disclosures for those accounts. If a hold has been placed on deposits made to your account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

STOP PAYMENT REQUESTS

You may initiate stop payment requests through Online Banking only for paper checks you have written (non-electronically) on your Bank accounts. To be effective, your stop payment order must precisely identify the name of the payee, the check number, the amount, and the date of the check. People’s 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. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account.

DISCLOSURE OF ACCOUNT INFORMATION & TRANSFERS

We will maintain the confidentiality and privacy of y our account information in accordance with our Privacy Policy. However, we will disclose information to third parties about your account or the transations you submit in the following circumstances:

  • As necessary to complete a transaction requested by you;
  • To verify the existence of sufficient funds to cover specific transactions upon the request of a thrid party, such as a credit bureau or merchant;
  • To comply with a government agency or court order;
  • If you give us your express written permission;
  • You agree and hereby authorize all of these transfers of information.

BILL PAYMENT SERVICE

Bill Payment services are offered by People’s Bank through a third-party service provider, iPay Technologies, Inc. Online Banking Bill Payments has a security key. This security key protects you from being redirected to any site other than your People’s Bank Bill Payments site. The security key adds another level of security for you.

This security key should be one of a kind (not your password) and never shared with another person or Internet site. Once you have established your security key, People’s Bank will then display your key each time you enter Bill Payments. If no security key appears when entering the Bill Payments site, it may be a site that is “phishing” for your information and you should report it immediately by calling the bank’s third-party Bill Payments provider, iPay Technologies, Inc. at 866.851.4729.

Online Banking allows you to make payments to third parties using the Bill Payments service. Payments may only be made from your checking account(s). When you request Bill Payments, you authorize People’s Bank to remit funds by check or electronically to the designated payee. When a payment instruction is received, People’s Bank will charge the account designated by you on the date you request the payment remitted to the payee. However, People’s Bank is not obligated to make the payment if there are not enough funds in the selected account to cover the requested payment.

If there are not enough funds to cover the payment on the scheduled date, the payment will not be made. You must reschedule the payment for another date.

You may stop payment or cancel any pending Bill Payments by midnight (Pacific Time) on the day before the payment date using the Cancel function in Bill Payments.

You must schedule any payments requested at least five business days prior to the payment due date when payments are made through the Bill Payments service. If you schedule a payment for a non-business day or after 4:00 pm eastern time, your payment will be processed the following business day. You are responsible for any late fees or finance charges that are imposed by the payee due to the late payments.

Furthermore, People’s Bank will not be liable for any late fees or finance charges if you do not have enough money to make the payment, you did not properly follow the instructions of the Online Banking Service Agreement, your computer or our computer systems were not working properly, circumstances beyond our control prevented us from processing the payment, if a legal order prevents us from withdrawing funds from your account, we have reason to believe that the transaction was unauthorized, or we have terminated your Online Banking service. People’s Bank is not liable for any indirect, special or consequential damages arising out of you using the Bill Payments service.

People’s Bank reserves the right to cancel your Online Banking services at any time. If you decide that you no longer wish to use the Bill Payments service, we request that you cancel all scheduled payments in order to prevent duplicate payments from being made.

ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFER
(Consumer /Personal Accounts Only)

In case of errors or questions about your electronic transfers, telephone us a 866.454.4735 or write us at People's Bank, 750 Biddle Road, Medford, OR 97504, or email us at info@peoplesbankofcommerce.com at our web site using our secure connection as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement upon which the problem or error appeared.

When you contact us:

  • Tell us your name and account number (if any)
  • Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information
    Tell us the dollar amount of the suspected error.
  • If you contact us by telephone or by e-mail, we may require that you send us your complaint or question in written form by postal mail or fax within 10 business days.

We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days 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 provisionally credit your account. 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. If we have made a provisional credit, a corresponding debit will be made from your account. If a notice of error involves an electronic funds transfer that occurred within thirty (30) calendar days after the first deposit to the account was made, the applicable time periods for the action shall be twenty (20) business days in place of ten (10) business days. If a notice of error involves an electronic funds transfer that was initiated in a foreign country, occurred within thirty (30) calendar days after the first deposit to the account was made, or is a point-of-sale debit card transaction, the applicable time period for action shall be ninety (90) calendar days in place of forty-five (45) calendar days.

Our Liability for Failure to Make a Transfer

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, when you have properly instructed us to do so, 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 a transfer.
2. If a legal order directs us to prohibit withdrawals from the account.
3. If your account is closed, or it has been frozen.
4. If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.
5. If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
6. If any electronic terminal, telecommunication device, or any part of the electronic fund transfer system is not working properly and you knew about the problem when you started the transfer.
7. If you have not properly followed the on-screen instructions for using Online Banking.
8. If circumstances beyond our control (e.g., fire, flood, interruption in telephone service, or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.
9. There may be other exceptions stated in our agreement with you.

Your Liability for Unauthorized Transfers

Contact us immediately if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your account without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit, if any). If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, you can lose no more than $50 if someone used your password without permission.
If you do not contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access accounts without your permission if you had told us, you could lose as much as $500.

Also, contact us immediately if your statement shows transfers that you did not make. If you do not tell us within 60 days after the statement was mailed or emailed to you, you may not get back any money lost through transactions made after the 60-day time period if we can prove that we could have stopped someone from taking the money if you told us in time. If a good reason (such as a long trip or hospital stay) kept you from contacting us, we will extend the time periods. To contact us, call 866.454.4735, or write us at People’s Bank, 750 Biddle Road, Medford, OR 97504.

STATEMENTS

All of your transfers made through Online Banking will appear on your periodic statement(s) for your Bank account(s). You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.

DOWNLOAD SERVICES

Download Services for Eligible Accounts (Checking, Money Market and Savings Accounts) allow you to download certain information from your accounts into a file format that you can import into a spreadsheet or other program, or Financial Management Software such as Quicken®, Quickbooks®, Microsoft® Money, or Microsoft® Excel on your computer. You are responsible for obtaining a valid and separate license agreement with the provide of the Personal Financial Managment Software. The following is a brief description of the various features of and requirements for using the Download Services. From time to time, we may add to, modify, or delete any feature of the Download Services at our sole discretion.

You agree and understand that:

  • You are solely responsible, and at your expense, for acquiring and maintaining a computer or other electronic device that has capabilities of handling and accessing the Download Services (including the necessary communications equipment, including but not limited to a modem).
  • You are responsible for all costs associated with accessing the Download Services and your Eligible Accounts.
  • Any Eligible Account information that you download is done at your own risk. You are solely responsible for any damage that might occur to the computer (or other electronic device) to which you download or its storage in a computer or other electronic device.

DOWNLOADED ACCOUNT INFORMATION, SECURITY OF DATA TRANSMISSION AND STORAGE

If you choose to download information from Online Banking, you understand and agree that:

  • Not all information in your Eligible Accounts can be downloaded into your Financial Management Software;
  • Information you can download may not include all of your account activity;
  • Your account statement, generated by us, is the official record of account transactions, positions and balances, and that the information you download is for tracking purposes only and should not be considered an official record;
  • The account information will not necessarily reflect banking or financial activities and transactions that have not yet been completed or settled and will only reflect the account information in your Eligilble Accounts at the time you download the information (for example; deposits, checks or transfers in process, may not be reflected in your balance);
  • Account information in your Eligible Accounts may reflect transactions as of a prior time period and may not be current at the time you download such information;
  • Account information that you have downloaded to your Financial Management Softward will not be automatically updated by us, and you will have to update the Eligible Account information by downloading more current information from your accounts;
  • We are not liable for any loss, damage or expenses of any kind as a result of your reliance upon the Eligible Account information in your Financial Management Software, which, for example, as stated above, may not be the most updated information and it may not include pending transactions.
  • When you take Eligible Account information out of our secure computers by downloading it, we are not longer responsible for the security and confidentiality of that information. You assume any and all risks associated with the download account information including the risk that account information you download may become accessible by unauthorized third parties.
  • If you send the information in a manner that is not secure, the account information may be viewed by others and the responsibility is now yours (or may be shared with others, such as your Financial Management Software provider or Network Provider);
  • We are not responsible for the security and confidentiality of the Eligible Account information if you : (1) use wireless connections to download your account information, in which case you acknowledge such connection may permit other persons to access the information being downloaded; or (2) connect the computer you use to download or store account information on to a network or broadband Internet connection without employing firewall, antivirus and spyware protection; or (3) allow other persons access to your Personal Financial Management Software.

EQUIPMENT

We are not responsible for any loss, damage or injury resulting from (a) an interruption in your electrical power or telephone service; (b) disconnection of your telephone service by your local telephone company or from deficiencies in your line quality; (c) any defect or malfunction of your PC, modem or telephone service; or (d) People’s Bank Online Banking systems. We are not responsible for any products or services relating to your PC, other than those specified herein. We also are not responsible for any damage to your PC, software, modem, telephone or other property resulting from the use of Online Banking including any damage resulting from a virus.

FEES

There are currently no monthly service charges or transaction fees for Online Banking, Basic Bill Pay, or e-Statement Services. You agree to pay any additional, reasonable charges for services you request (i.e. fees charged when you use other sites linked to our site, telephone and Internet Service fees etc.) with the use of our services which are not covered by this Agreement. We will notify you of any changes in fees as required by law.

Other Fees: Stop Payment Fee $29

CHANGE IN TERMS

People's Bank reserves the right to change the charges, fees, or other terms of this Agreement. The Agreement will be updated to reflect any changes made and will be accessible through the Online Banking services. If the changes have stricter limits or higher fees, you will be give 30 days advance notice prior to the effective date of the changes, unless an immediate change is required to maintain the security of Online Banking system. You may accept or decline the changes by continuing or discontinuing use of our Online Banking services. People's Bank reserves the right to waive, reduce, or reverse charges or fees in individual situations.

DISCLAIMER OF WARRANTY & LIMITATION OF LIABILITY

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with Online Banking services provided to you under this Agreement. We do not and cannot warrant that Online Banking will operate without errors, or that any or all Online Banking services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products under this Agreement, or by reason of your use of or access to Online Banking, including loss of profits, revenue, data, or use by you or any third party, whether in an action in contract or tort, or based on a warranty. Further, in no event shall the liability of the Bank exceed the amount paid by you for the services provided to you through Online Banking.

ENFORCEMENT

You agree to be liable to us for any liability, loss, or expense as provided in this Agreement that we incur as a result of any dispute involving your accounts or services. You authorize us to deduct any such liability, loss, or expense from your account without prior notice to you. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of Oregon. In addition, we are subject to certain federal and state regulations and local clearinghouse rules governing the subject matter of the Agreement. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of the Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement.

YOUR RIGHT TO TERMINATE

You may cancel your Online Banking service at any time by providing us with written notice by email, postal mail or fax. Your access to Online Banking will be suspended within three (3) business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

OUR RIGHT TO TERMINATE

People’s Bank reserves the right to terminate this Agreement and your access to online Banking in whole or in part, for any of the following reasons:

  • Without prior notice, if you have insufficient funds in any one of your Bank accounts. The Online Banking service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.
  • Upon reasonable notice, for any other reason in our sole discretion.

Termination will not affect your liability or obligations for transfers we have processed on your behalf.

COMMUNICATIONS

Unless this Agreement provides otherwise, you may communicate with us in any one of the following ways:

E-Mail:

You can contact us by e-mail at info@peoplesbankofcommerce.com.

Telephone or Fax:

You may contact us by telephone toll free at 866.454.4735, or:

Medford
541.776.5350
541.774.7666

Ashland
541.482.3886
541.482.3891

Central Point
541.665.5262
541.665.5869

Postal Mail

People’s Bank – Medford
750 Biddle Road
Medford, OR 97504

People’s Bank – Ashland
1500 Siskiyou Blvd.
Ashland, OR 97520

People’s Bank – Central Point
1017 E. Pine Street
Central Point, OR 97502

E-STATEMENT SERVICE AGREEMENT

This agreement is a supplement to your Online Banking Agreement and Discloslure. Please refer to that agreement for defination of terms used in this agreement and the terms and conditions of the Service, including Error or Questions About Your Electrontic Transfer procedures.

People's Bank offers e-Statements for certain Eligible Accounts with Online Banking access. e-Statement replaces your mailed (paper) statement with an electronic version that you can view, save to your computer, or print at your convenience. The following is a brief description of the various features of and requirements for using the e-Statement Service. From time to time, we may add to, modify, or delete any feature of the e-Statement Service in our sole discretion. You must have a valid email address to receive notifications that your statement is ready to view online.

CONSENT

By clicking "I Agree" to this agreement, you agree to receive, and authorize People's Bank to provide electronic notice and delivery of statements and notices on Eligible Accounts. You also authorize People's Bank , at its sole discretion, to provide electronic notice and delivery of agreements, legal notices and disclosures and other such records. You may no longer receive paper copies of these records via U.S. Mail or other delivery channels.

ELIGIBLE ACCOUNTS

Personal and Business Checking, Saving, and Money Market accounts that have recurring periodic statements are eligible for e-Statements. For Combined Statements, the lead account must be linked to People's Bank Online Banking and enrolled in e-Statements to allow access to statement.

To access e-Statement for a deposit account, you must enroll that account in the e-Statement Service. For deposit accounts with multiple owners, only one account owner needs to enroll the account in e-Statement Service. If multiple account owners wish to receive e-Statement notification, then additional owners would need to enroll in e-Statements and provide a valid email address to receive notification from People's Bank. If you enroll in e-Statments, we will send you an email every statement cycle to let you know that your current statement is ready for you to view online.

COMPUTER EQUIPMENT AND SOFTWARE

You agree that you have or will have access at all times to personal computer capability that supports at your cost the e-Statement Service's requirement to receive and view electronic records and notices in HTML or PDF form, high-level browser encription, PDF file access, Internet and email access. If the method of electronic delivery by People's Bank changes so as to require additional software, upgrades, plug-ins or additional security features in your hardware or software system used by you, you may terminate the e-Statement Service or you agree to upgrade or software system at your cost to the required standards. You must have access to and maintain a valid email address as the designated email address and a computer with the ability to download PDF files using Adobe Acobat Reader or other programs as People's Bank may advise.

YOU MAY RECEIVE A PAPER COPY OF A TRANSACTION RECORD AT ANY TIME

You may save and print any electronic image available through Online Banking without limitation and without incurring any fees or charges from the Bank. People's Bank will send you paper copy of your electronic record at your request. This information may include copies of statements, checks, withdrawals, or any other transaction we maintain in the normal course of business. The standard fee then in effect and charged for paper delivery of account information per your Account Agreements will apply. Paper copies of electronic records can be requested by calling 866.454.4735. A request for a paper copy of a statement wil not cause a termination of the e-Statement Service. A paper copy of electronic records can be obtained from the Bank until the copy is no longer required to be maintained as a record for the designated account under applicable law or regulation.

CHANGING STATEMENT DELIVERY METHOD

At any time, you can change the way we send you account statements by either replying to the e-Statement email or clicking the "Contact Us" button on our website. The change will take effect on the next statement cycle. If you elect to receive paper statements, any charges for paper statements per your Account Agreement will apply.

We may terminate delivery of e-Statements at any time without notice. If we terminate this service, we will begin sending you paper statements via U.S. Mail effective with your next statement cycle date.

REQUIREMENT TO KEEP CONTACT INFORMATION CURRENT

You agree to inform People's Bank of any changes in how you may be contacted by email. You can do so by accessing Online Banking, clicking on "Change Options" and update your personal information; or by clicking on "Contact Us" and completing the form with a message to change your personal information.

Unless otherwise prohibited by law, rule or regulation, if our email delivery to you is returned as undeliverable, we may discontinue sending email messages, discontinue future e-Statements and switch your account statement to paper statement via U.S. Mail until you provide us with a valid email address and change your statement delivery method to e-Statements. Any charges for paper statements per your Account Agreements will apply.

REVOCATION OF THE E-STATEMENT SERVICE

You may cancel this agreement at any time by clicking on the "Contact Us" button in the People's Bank website and complete the form with the message that you wish to cancel e-Statement Service. Or you may reply to your e-Statement email by clicking on info@peoplesbankofcommerce.com and send a message that you wish to cancel the e-Statement Service. You may also cancel this agreement by calling us at 866.454.4735 or writing us at: People's Bank, 750 Biddle Road, Medford, OR, 97504. The change will take effect on the next statement cycle. There is no charge for canceling the e-Statement Service, however any fees in effect and charged for paper delivery of account statements will apply.

ELECTRONIC MAIL MESSAGES

Online Banking provides you with the ability to send electronic mail messages (email) within the service to communicate to us. Email is not a secure environment. To protect your privacy over the Internet, we recommend that you do not send sensitive information like your account number or account transactions, social security number, Password, or other personal information through e-mail. Please remember that e-mail messages sent through Online Banking may not be immediately received by us. If you need to contact us immediately, please call Medford 541.776.5350, Ashland 541.482.3886, or Central Point 541.665.5262.

CONSENT TO ELECTRONIC DELIVERY NOTICES

You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the Bank website or by email. You agree to notify us immediately of any change in your email address.