PRIVACY, Security & Legal

Privacy Policy

What does CBB Bank do with your personal information? click here to find out!

To help you understand how CBB Bank protects your nonpublic personal information, this notice describes our current privacy policy and practices. This document outlines our privacy policy for visitors to our web site, as well as for consumers who have a continuing relationship with us, such as a deposit account, loan account, credit card, or safe deposit box.

You receive a Privacy Notice when you open an account or become a new customer of CBB Bank. Additionally, we provide you with an annual update to our Privacy Notice for you as long as you remain an active customer. This notice explains how we handle and share your personal information, and tells you how you can act to limit the sharing of certain information within our corporate family of affiliated companies.

Confidentiality

We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. While the collection and use of information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. We will maintain standards to protect the privacy and security of your information, and we will provide a summary of our policies and practices to you on a regular basis.

Security

We have policies in place that restrict access to nonpublic personal information about you to those employees who have a need to know that information (for example, to provide products or services to you). We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Visitors to Our Web Site

Visitors to our web site remain anonymous; unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our site, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place "cookies" on a computer to track a visitor's use of our web site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you register with us for a service (such as our On-Line Banking service), the cookie does not provide us with any personally identifying information about you, such as your name or address.

Information We Collect and Use

We collect nonpublic personal information about you in order to administer our business and provide you with products and services. We use the information to protect and administer your records, accounts, and funds; to communicate with you; to comply with applicable laws and regulations; and to help us design and improve our products and services. Nonpublic personal information is any information about you that is not generally available to the public. (Examples of public information include items such as information readily available in a telephone book or a publicly recorded document such as a mortgage or a securities filing.) We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms (such as your name, address, social security number, assets and income),
  • Information about your transactions with us, our affiliates, or others (such as your account balance, payment history, parties to transactions, and credit usage), and
  • Information we receive from a consumer-reporting agency (such as your creditworthiness and credit history).

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

If you decide to close your account(s) or you are no longer an active customer, we will retain your records for as long as required by law. We will continue to treat your personally identifying information as described in this notice, as amended from time to time.

Terms of Use

CBB Bank ("CBB") is providing this web site (the "Site") to you subject to the following Terms and Conditions. Please read these Terms and Conditions carefully. By accessing this Site and any of its pages, you agree to be bound by the Terms and Conditions set forth below. If, at any time, the provisions of these Terms and Conditions are not acceptable to you, or if you do not agree to be bound by these Terms and Conditions, do not access this Site or any of its pages. These Terms and Conditions are subject to change from time to time without notice.

Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of this Site or unauthorized entry into CBB's systems, misuse of passwords, or misuse of any information contained within the Site is strictly prohibited.

Information and materials published by CBB as part of this web site are published in the United States and are intended for persons in the United States. This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Eligibility for certain products is subject to final determination and acceptance by CBB.

Copyrights and Trademarks

All of the pages and screens on the Site are owned and controlled by CBB, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of, or republish all or any portion of the Site for any commercial or public purpose without CBB's prior written consent. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks except as authorized under this section. Furthermore, you may not use CBB trademarks as a link to the Site except pursuant to a written trademark license agreement.

Submissions of Information

All information submitted to CBB via this Site shall be deemed and remain the property of CBB, and CBB shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information you provide CBB through this Site. CBB shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by CBB as part of an established direct relationship with a customer or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing CBB's responsibilities and obligations to customers in accordance with CBB's Privacy Policy.

Link to Third Party Sites

This Site may contain links to web sites controlled or offered by third parties. The content, accuracy, opinions expressed and other links provided by these other web sites are not investigated, verified, monitored or endorsed by CBB. Your use of the hyperlinks on this web site to other Internet sites is at your own risk and CBB is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these linked sites. CBB makes no representations whatsoever concerning the content of those sites. A link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by or with CBB with respect to such site, its owners, or its providers. These links are provided only as a convenience to you. CBB has not tested any information, software, products or services found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, products or services found on the Internet; and you should be sure that you completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet. You should be aware that linked sites may contain rules and regulations, privacy provisions, confidentially provisions, transmission of personal data provisions, and other provisions as well as provide information security that differ from the provisions provided on the Site. CBB is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

DISCLAIMER OF WARRANTIES

CBB DOES NOT MAKE ANY REPRESENTATION ABOUT THE SUITABILITY OF THE CONTENT OF THIS SITE FOR ANY PURPOSE. ALL CONTENT IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. CBB DISCLAIMS ANY WARRANTIES AND REPRESENTATIONS WITH REGARD TO THE CONTENT, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND SECURITY.

CBB DOES NOT WARRANT THAT THE CONTENT HEREIN IS ACCURATE, COMPLETE, OR CURRENT. CBB MAKES NO COMMITMENT TO UPDATE THE CONTENT OF THIS SITE. IT IS YOUR RESPONSIBILITY TO VERIFY ANY INFORMATION BEFORE RELYING ON IT. THE CONTENT OF THIS SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. FROM TIME TO TIME CHANGES ARE MADE TO THE CONTENT DISPLAYED ON THIS SITE. CBB MAY MAKE CHANGE IN THE PRODUCTS AND/OR THE SERVICES DESCRIBED ON THIS SITE AT ANY TIME.

LIMITATION OF LIABILITIES

CBB WILL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DAMAGES OR INJURY ARISING FROM YOUR USE OF THIS SITE. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (E.G., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), AND DAMAGES ARISING FROM UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE. IN NO EVENT SHALL CBB BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR RELATING TO THE USE OF THIS SITE OR THE COPYING OR DISPLAY OF INFORMATION ACCESSED THROUGH THIS SITE, WHETHER OR NOT CBB WAS ADVISED OF OR AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS DISCLAIMER OF LIABILITY IS EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER THEORY. WITHOUT LIMITING THE FOREGOING, CBB SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES INCURRED AS A RESULT OF ANY INFORMATION SUBMITTED TO IT THROUGH THIS SITE OR ANY PAGE HEREOF OR FOR ITS TRANSMISSION OF INFORMATION TO ANY PERSON(S) OR ENTITY(IES) AS A RESULT OF A REQUEST FOR SUCH TRANSMISSION REASONABLY BELIEVED BY CBB TO HAVE BEEN MADE BY SUCH PERSON OR ENTITY.

General Terms

If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. CBB reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site.

Indemnification

You agree to defend, indemnify and hold harmless CBB, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of your violation of the Terms and Conditions or misuse of this Site, including such violation or misuses conducted by your employee or agent, if applicable.

Additional Terms

Certain section or pages on this Site may contain separate terms and conditions, which are in addition to these Terms and Conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Governing Law

Use of this Site shall be governed by and be interpreted pursuant to the laws of the State of California, United States of America, or other applicable federal laws.

USA Patriot Act

MUST READ INFORMATION WHEN OPENING A NEW ACCOUNT WITH COMMONWEALTH BUSINESS BANK

CBB Bank is required to obtain a copy of documents to identify our account customers in accordance with section 326 of the USA Patriot Act. This procedure is established to help the US government to detect and stop the funding of terrorism and money-laundering activities. Accordingly, CBB Bank is required to request, obtain, verify and record all necessary information that will identify each customer.

This mean that when you open an account or apply for a loan with CBB Bank, we will record your name, address, tax identification number, driver's license and other information for personal banking activities or organization documents for business activities that will help the Bank to identify and verify "you" or "your business." Furthermore, we may also obtain information or report from third parties, such as credit bureau as deem necessary to complete our documentation. We thank you for your cooperation.

Reg CC

FUNDS AVAILABILITY POLICY

Your ability to withdraw funds

This policy statement applies to all deposit accounts. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

Determining the availability of a deposit

For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. Our cut-off hours are as follows:

5:00 p.m. (Mon ~ Thurs), 6:00 p.m. (Fri), 1:00 p.m. (Sat)
5:00 p.m. (Mon ~ Fri), 1:00 p.m. (Sat)
4:00 p.m. (Mon ~ Fri)
5:00 p.m. (Mon ~ Fri) 
5:00 p.m. (Mon ~ Thurs), 6:00 p.m. (Fri), 1:00 p.m. (Sat) 
4:00 p.m. (Mon ~ Thurs), 5:00 p.m. (Fri)

If you make a deposit before our cut-off hour on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cut-off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer delays may apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposit, however, may be available on the first business day.

If we are not going to make all of the funds from your account available on the first business day, we will notify you at the time make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we received your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Special rules for new accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to our account will be available on the day we received the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you and you may have to use a special deposit slip. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of your employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

Holds on other funds

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately, but delay your ability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Check 21

Substitute checks and your rights

As our customer, we think it's important for you to know about substitute checks. As a result, we want to advise you that you may begin to see differences when you receive your account statement with copies of your checks, view your account information online, or request a copy of your original check for proof of payment. The following Substitute Check Disclosure provides information about substitute checks and your rights.

What is a substitute check?

To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under law.

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at:

CBB Bank
3435 Wilshire Blvd., Suite 700
Los Angeles, CA 90010
(323) 988-3000

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include:

  • Your name and account number;
  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
  • An estimate of the amount of your loss;
  • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
  • A copy of the substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, and the name of the person to whom you wrote the check.

Reg E

ERROR RESOLUTION - Personal and Non-Business Accounts Only

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above, as soon as you can, if you think your statement or a receipt for an electronic funds transfer is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number.
  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 you to send your complaint in question in writing within 10 business days.

We will investigate your complaint and correct any error within 10 business days (20 business days if the transfer involved new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (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 10 business days (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 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three 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. More detailed information is available upon request. Please inquire at:

CBB BANK
3435 Wilshire Blvd., Suite 700
Los Angeles, CA 90010
Phone: (323) 988-3000
Hotcard After Hours: (800) 236-2442

Business Hours:

Wilshire Branch
9:00 AM to 5:00 PM Monday through Thursday
10:00 AM to 6:00 PM Friday
9:00 AM to 1:00 PM Saturday
Downtown Branch
9:00 AM to 5:00 PM, Monday through Thursday
9:30 AM to 5:00PM, Friday
9:00 AM to 1:00 PM, Saturday
Irvine Branch
9:00 AM to 4:00 PM Monday through Friday
(Excluding Federal Holidays)
South Bay Branch
9:00 AM to 5:00 PM Monday through Thursday
10:00 AM to 6:00 PM Friday
Fullerton/Buena Park Branch
9:00 AM to 5:00 PM Monday through Thursday
10:00 AM to 6:00 PM Friday
9:00 AM to 1:00 PM Saturday
Dallas Branch
9:00 AM to 4:00 PM Monday through Thursday
9:00 AM to 5:00 PM Friday

Reg GG

REGULATION GG - RESTRICTED TRANSACTIONS

The Unlawful Internet Gambling Enforcement Act of 2006

The Unlawful Internet Gambling Enforcement Act, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined by the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. Banks are required to comply with this Act beginning June 1, 2010.

As defined by Regulation GG, unlawful internet gambling means to "place, receive or otherwise knowingly transmit a bet or wage by means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made".

As a customer of Commonwealth Business Bank you should be aware of the following:

  • CBB Bank will not knowingly open an account for a business that primarily engages in gambling via the Internet.
  • Restricted transactions are prohibited from being processed through your account or banking relationship with us.
  • In the event we gain actual knowledge that a commercial account has processed restricted transactions or engages in Internet gambling activity, we may elect to close the account.

Online Security

Online Security Tips

Thank you for choosing CBB Bank for your banking needs. When it comes to keeping your personal and financial information safe, it’s important to be proactive. Follow these tips to help protect yourself from fraud and identity theft.

Online Banking Disclosure

AGREEMENT AND DISCLOSURE

This CBB Bank Internet Banking Agreement and Disclosure ("Agreement") is the contract which covers your and our rights and responsibilities concerning the CBB Bank Internet Banking services offered to you by CBB Bank ("Bank"). The CBB Bank Internet Banking service permits you to electronically initiate account transactions involving your accounts and communicate with the Bank. In this Agreement, the words "you", "your" and "yours" mean those who request and use CBB Bank Internet Banking, any joint owners of accounts accessed under this Agreement or any authorized users of this service. The words "we," "us," and "our" means the Bank. The word "account" means any one or more accounts you have with the Bank. By requesting and using the CBB Bank Internet Banking service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments to the Agreement.

CBB BUSINESS BANK INTERNET BANKING SERVICE

Account Access. Upon enrollment for the CBB Bank Internet Banking, you may use your personal computer to access your accounts. You must use your ACCESS ID along with your PASSWORD to access your accounts. The CBB Bank Internet Banking service is accessible seven (7) days a week, twenty-four (24) hours a day through the Internet (World Wide Web). You will need a personal computer, and access to the Internet. You may also need an internal/external modem and an Internet Service Provider (ISP). You are responsible for the installation, maintenance and operation of any software and your computer. Also you should update your version of web browser as often as possible for your protection. The Financial Institution will not be responsible for any errors or failures involving any items not within our control such as telephone service, Internet service, software installation or your computer.

Types of Transactions. At the present time, you may use the CBB Internet Banking service to:

Transfer funds between your checking, money market, and savings accounts.
Review account balance, transaction history and tax information for any of your checking,
savings, certificates or loan accounts.
Download some of your account information to financial management software programs like Quicken® or Microsoft ® Money, if applicable.
Conduct other transactions permitted by the Bank.
Transactions involving your deposit accounts will be subject to the terms of your account agreement and disclosures, as applicable.

Service Limitations. The following limitations on CBB Bank Internet Banking transactions may apply in using the services listed above:

1. Transfers. You may make funds transfers to your other accounts at CBB Bank as often as you like. However, transfers from a savings or a money market account will be limited to a total of six (6) in any one month respectively. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. The Bank reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. Fund transfers completed on bank business days before the daily cut-off time of 8:00 PM Pacific Standard Time will be credited to your account on the same day. Transfers completed after the cut-off time of 8:00 PM (PST) or on non-business days will be credited to your account the following business day.

2. Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for ATM transactions and our Funds Availability Policy. The download of account information will be limited by the software that you have on your computer. The bank will not be responsible for support for any version of Quicken® or Money® that you may have installed on your computer.

3. E-Mail. The Bank may not immediately receive E-mail communications that you send. The Bank will not take action based on E-mail requests until the Bank actually receives your message and has a reasonable opportunity to act. If you need to contact the Bank immediately regarding an unauthorized transaction or stop payment request, you may call the Bank at the telephone number set forth in the Liability for Unauthorized Access section.

SECURITY OF ACCESS CODE. The access code ("Access ID") and password (PIN) issued to you is for your security purposes. The access code is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your access code and password. You agree not to disclose or otherwise make your access code available to anyone not authorized to sign on your accounts, which may include members of your household. If you authorize anyone to use your access code that authority shall continue until you specifically revoke such authority by notifying the Bank . If you fail to maintain the security of the access code and the Bank suffers a loss, we may terminate your CBB Bank Internet Banking and account services immediately. You may change the password that the Bank assigns to you to one of your own choosing. Please change you password on a periodic basis for your protection. Multiple failed attempts will block out your account until released by the bank. Access codes that are unused for 60 days will be permanently deleted; you may have to re-apply to re-activate your account.

LIABILITY FOR UNAUTHORIZED ACCESS. You are responsible for all transfers, and stop payments that you authorize under this Agreement. If you permit other persons to use the CBB Bank Internet Banking service or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your access code or accessed your accounts through CBB Bank Internet Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through CBB Bank Internet Banking is fifty dollars ($50.00).

Also, if your statement shows CBB Bank Internet Banking transfers that you did not make, 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 lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

If you believe that someone has used your access code or has transferred or may transfer money from your account without your permission, call the Financial Institution at:

(323) 988-3000

or write the Bank at:

Commonwealth Business Bank
3435 Wilshire Blvd., Suite #700
Los Angeles , CA 90010

BUSINESS DAYS. Our business days are Monday through Friday excluding federal banking holidays, as published by the Federal Reserve Bank of San Francisco.

*For your protection, sign off after every internet banking session and close your browser to ensure confidentiality.

FEES AND CHARGES. There are certain charges for CBB Bank Internet Banking services as set forth on the Bank's Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. Currently you will be charged a fee for using the Check Re-order feature or the Stop Payment feature. Excessive transfers from a Savings account may also incur additional charges.

PERIODIC STATEMENTS. Transfers and withdrawals transacted through CBB Bank Internet Banking will be recorded on your periodic statement. Most Checking, and Money Market accounts will receive statements on a monthly basis. Most Savings accounts will receive a statement on a quarterly basis, unless there are certain types of transactions in that month; then you will receive a monthly Savings statement.

ACCOUNT INFORMATION DISCLOSURE. Please refer to our privacy policy.

BANK'S LIABILITY FOR FAILURE TO MAKE TRANSFERS. 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 and the instructions you transmit, we will be liable for your actual losses or damages. However, the Bank will not be liable:

If, through no fault of ours, you do not have adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed your limit on a particular account, if applicable.
If you used the wrong access code or you have not properly followed any applicable computer, Internet Access, or Bank user instructions for making transfer and bill payment transactions.
If your computer fails or malfunctions or the CBB Bank Internet Banking service was not properly working and such problem should have been apparent when you attempted such transaction.
If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction.
If the funds in your account are subject to an administrative hold, legal process or other claim.
If you have not given the Bank complete, correct and current instructions so the Bank can process a transfer.
If the error was caused by a system beyond the Bank's control, such as your Internet Service Provider.
If there are other exceptions as established by the Bank from time to time.
TERMINATION OF CBB BANK INTERNET BANKING SERVICES. You agree that we may terminate this Agreement and your use of the CBB Bank Internet Banking services if you or any authorized user of your account or access code breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your account or access code.

You or any other party to your account can terminate this Agreement by notifying us in writing to the address set forth above in the Liability for Unauthorized Access section. Termination of service will be effective the first business day following receipt of your written notice. However, termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

The Bank reserves the right to change the terms and conditions upon which this service is offered. The Bank will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law. Use of the CBB Bank Internet Banking service is subject to existing regulations governing your accounts and any future changes to those regulations.

BILLING ERRORS. In case of errors or questions about your CBB Bank Internet Banking transactions, telephone us at the phone number or write to us at the address set forth above in the Liability for Unauthorized Access section as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.

Tell us your name and account number(s).
Describe the transaction 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.
Other information such as transaction date, time or location, if available.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) calendar days. We will determine whether an error occurred within ten (10) business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the funds 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.

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 a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the applicable time periods for action shall be twenty (20) business days in place of ten (10) business days. If a notice of error involves an electronic fund transfer that was initiated in a foreign country or occurred within thirty (30) days after the first deposit to the account was made, the applicable time period for action shall be ninety (90) calendar days in place of forty five (45) calendar days.

ENFORCEMENT. You agree to be liable to the Bank for any liability, loss, or expense as provided in this Agreement that the Bank incurs as a result of any dispute involving your accounts or services. You authorize the Bank 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 California where you opened your account. 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 this Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement between us.