Service Agreement for Internet Banking

I. GENERAL DESCRIPTION OF AGREEMENT
   A. What This Agreement Covers
This Agreement between you and Merchants Bank of California, N.A.
governs the use of Internet Banking.
   B. Accepting the Agreement
When you use Internet Banking service described in this Agreement
you agree to the terms and conditions of this Agreement.

II. ONLINE BANKING SERVICES
You may use Online Banking to:
Obtain balances, transaction history and other information at the
Merchants Bank of California, N.A. website. Subject to the terms of
this Agreement, you will generally be able to access your accounts
through the website seven days a week, 24 hours a day. You can
transfer funds between your linked accounts. It is your responsibility
to have the required hardware and software and to use properly your    
user name and password to protect your operation. At certain times,
a service may not be available due to system maintenance or
circumstances beyond our control. During these times, you may use
our touch-tone service to obtain information about your accounts.

III. PRIVACY
Merchants Bank of California, N.A. recognizes that our customers
have an expectation of privacy in their dealings with us. For these
reasons, Merchants Bank of California, N.A. takes security and
privacy of customer information very seriously.

V. OTHER TERMS AND CONDITIONS
   A. Changes to Agreement
We may change this agreement at any time. For example, we may
add, delete or amend terms or services. We will notify you of such
changes by mail or by electronic message.
   B. Cancellation
Your Internet Banking Services remain in effect until it is terminated
by you or by Merchants Bank of California, N.A. You may cancel your
service at any time by notifying us of your intent to cancel in writing.
This cancellation applies to your Internet Banking Services and does
not terminate your Merchants Bank of California, N.A. accounts. We may
terminate your participation in Internet Banking Services for any reason,
at any time. We will try to notify you in advance, but we are not obliged
to do so. 
   C. Contact by Merchants Bank of California, N.A.
No Merchants Bank of California, N.A. employee, will contact you via mail,
email or phone requesting your Online ID and password. If you are
contacted by anyone requesting this please contact us immediately.
Call us at (310) 549-4350.
   D. Limitation of Bank's Liability
Information submitted by the customer through the e-mail is not an official
notification to Merchants Bank of California, N.A. regarding any problem the
customer may have with an account, including notice of stop payment, or
other action. If a customer has any problem with an account you must
contact the bank during regular business hours at (310) 549 - 4350. Tell us
immediately at once if you believe your Internet Banking service has been
compromised. When you give someone your Merchants Bank of California, N.A.
Internet Banking password and user name, you are authorizing that person to
use your service and you are responsible for all transactions the person
performs using your service.
   E. Acknowledgement of Reasonable Security Procedures.
By using Internet Banking, you acknowledge and agree to be bound by
instructions that this Agreement sets for security procedures for Internet Banking.

UNLESS OTHERWISE REQUIRED BY LAW, IN NO EVENT WILL THE BANK
BE LIABLE TO YOU FOR SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES
INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR ATTORNEYS' FEES, EVEN
IF WE ARE ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

Home / Contact Us / Privacy Policy / Security Policy /____________________________________________© Merchants Bank of California, N.A.__2003