Terms & Conditions

BILL PAYING AGREEMENT/DISCLOSURE

This is your bill paying agreement with People's Bank of Commerce. You may use
People's Bank of Commerce bill paying service, People's Business Bill Pay or People's
Business Bill Pay Plus, to
direct People's Bank of Commerce to make payments from your designated checking
account to the Payees you choose in accordance with this agreement. The terms and
conditions of this Agreement are in addition to the Account agreements, disclosures and
other documents in effect from time to time governing your Account (the Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means
anyone, including People's Bank of Commerce, you designate and People's Bank of
Commerce accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

Complete a bill paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE, USE "SET UP
ACCOUNTS/PAYEE" ON THE INTERNET OR SPEAK TO A SERVICE REPRESENTATIVE. You
may add a new fixed payment to a Payee, only if the Payee is on your authorized list of
payees, and by accessing the Service and entering the appropriate information. Most
other additions, deletions, or changes can be made in writing or by using the Service.
People's Bank of Commerce reserves the right to refuse the designation of a Payee for any
reason. Each Payee accepted by People's Bank of Commerce will be assigned a payee
code. You may pay almost any payee you wish. There are several restrictions: 1) The
merchant must be located in the United States; 2) Payments may not be remitted to tax
authorities or government and collection agencies; 3) Payments may not be remitted to
security companies such as Ameritrade for stock purchases or trade taxing authorities and
4) Court directed payments are unauthorized (Alimony, child support, or other legal debts).
Don't forget you can use this system to send payments to your son/daughter in college, pay
your local orthodontist, credit cards, charitable donations, etc. A merchant is defined as
anybody (company or individual) to whom you want to send money.

People's Bank of Commerce is not responsible if a Bill Payment can not be made due to
incomplete, incorrect, or outdated information provided by you regarding a Payee or if you
attempt to pay a Payee that is not on your Authorized Payee list.

THE BILL PAYING PROCESS

Single Payments

A single payment will be processed on the business day (generally Monday through Friday,
except certain holidays) that you designate as the payment’s process date, provided the
payment is submitted prior to the daily cut-off time on that date. The daily cut-off time,
which is controlled by People's Bank of Commerce, is currently 1:00 PM PT. A
single payment submitted after the cut-off time on the designated process date will be
processed on the following business day. If you designate a non-business date (generally
weekends and certain holidays) as the payment’s process date, the payment will be
processed on the first business day following the designated process date.

Recurring Payments

When a recurring payment is processed, it is automatically rescheduled by the system.
Based upon your selected frequency settings for the payment, a process date is calculated
for the next occurrence of the payment. If the calculated process date is a non-business
date (generally weekends and certain holidays), it is adjusted based upon the following
rules:

* If the recurring payment’s "Pay Backward" option is selected, the process date for the
new occurrence of the payment is adjusted to the first business date prior to the calculated
process date.
* If the recurring payment’s "Pay Backward" option is not selected (or if the "Pay Backward"
option is not available), the process date for the new occurrence of the payment is adjusted
to the first business date after the calculated process date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as
a particular day of the month for processing and that day does not exist in the month of the
calculated process date, then the last calendar day of that month is used as the calculated
process date.

For Single and Recurring Payments, YOU MUST ALLOW AT LEAST EIGHT (8) BUSINESS
DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. Any bill
payment can be changed or canceled, provided you access the Bill Pay Service prior to the
cut-off time on the business day prior to the business day the bill payment is going to be
initiated.

You agree to have available and collected funds on deposit in the account you designate in
amounts sufficient to pay for all bill payments requested, as well as, any other payment
obligations you have to People's Bank of Commerce. People's Bank of Commerce reserves
the right, without liability, to reject or reverse a bill payment if you fail to comply with this
requirement or any other terms of this agreement. If you do not have sufficient funds in
the Account and People's Bank of Commerce has not exercised its right to reverse or reject
a bill payment, you agree to pay for such payment obligations on demand. You further
agree People's Bank of Commerce, at its option, may charge any of your accounts with
People's Bank of Commerce to cover such payment obligations. People's Bank of
Commerce reserves the right to change the cut-off time. You will receive notice if it
changes.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your Personal
Identification Number (PIN). You are liable for all transactions you make or that you
authorize another person to make even if that person exceeds his or her authority. If you
want to terminate another person's authority, you must notify People's Bank of Commerce
and arrange to change your PIN. You will be responsible for any Bill Payment request you
make that contains an error or is a duplicate of another Bill Payment. People's Bank of
Commerce is not responsible for a Bill Payment that is not made if you did not properly
follow the instructions for making a Bill Payment. People's Bank of Commerce is not liable
for any failure to make a Bill Payment if you fail to promptly notify People's Bank of
Commerce after you learn that you have not received credit from a Payee for a Bill
Payment. People's Bank of Commerce is not responsible for your acts or omissions or
those of any other person, including, without limitation, any transmission or communications
facility, and no such party shall be deemed to be People's Bank of Commerce agent. In any
event, People's Bank of Commerce will not be liable for any special, consequential,
incidental, or punitive losses, damages, or expenses in connection with this Agreement or
the Service, even if People's Bank of Commerce has knowledge of the possibility of them.
People's Bank of Commerce is not liable for any act, failure to act or delay in acting if it is
caused, in whole or in part, by any cause beyond People's Bank of Commerce reasonable
control.

Amendment and Termination

People's Bank of Commerce has the right to change this Agreement at any time by notice
mailed to you at the last address shown for the Account on People's Bank of Commerce
records, by posting notice in branches of People's Bank of Commerce, or as otherwise
permitted by law.

People's Bank of Commerce has the right to terminate this Agreement at any time. You
may terminate this Agreement by written notice to People's Bank of Commerce. People's
Bank of Commerce is not responsible for any fixed payment made before People's Bank of
Commerce has a reasonable opportunity to act on your termination notice. You remain
obligated for any payments made by People's Bank of Commerce on your behalf.

FEES

Product Name : People's Business Bill Pay
Monthly Fee : 5.95
Transaction Limit : Unlimited
FIRST TWO MONTHS FREE AT INITIAL SIGN UP FOR PEOPLE'S BUSINESS BILL PAY

Additional Charges for Customer requested Services and Other Items

These charges will only be assessed if you request one or more of the services listed here.
There will be NO Charge for any item if needed to correct a Financial Institution error.

Written Correspondence to Payee:........................................................................$15.00
Per proof of Payment not necessitated by a dispute:...............................................$15.00
Payments returned due to customer error:.............................................................$29.00
Overdraft Fee (Each debit or check ):....................................................................$29.00

People's Bank of Commerce reserves the right to charge you for research time involving
payments no longer available in your screen history. You will be informed of any such
charges before they are incurred.Bill payments are processed by Electronic Fund Transfers
(EFT). Please see the Electronic Fund Transfers Disclosure Statement included, or, received
when you opened your account, which discloses important information concerning your
rights and obligations.