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DISCLOSURE

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

The first time you access your Beach Business Bank account(s) through Beach Business Bank Online confirms your agreement to abide by the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure. We may change the terms or amend this Agreement from time to time without notice or as otherwise provided by law. 24-Hour Online Banking can be used to access certain Beach Business Bank accounts. Each of your accounts at Beach Business Bank is also governed by the applicable account disclosure statement in effect at the time, prior receipt of which you acknowledge.

The following form is for your convenience. We do not store any data online. You must print, complete and return
the form to Beach Business Bank for processing.


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