1. Personal Deposit Account Agreement. The terms and conditions of any Personal Deposit Account Agreement(s) you have with us, including your signature card, the Account Disclosure, the accompanying schedules, other account disclosures, and any change of terms notices are part of this Agreement.



2. Electronic Funds Transfer Act. The Electronic Funds Transfer Act governs some of the transactions permitted under this Agreement, and some of the terms and conditions of this Agreement are disclosures required by this Act.

1. Checking Accounts, Money Market Accounts, and Statement Savings Accounts: You may view updated balances and transactions and transfer funds between these accounts.



2. Certificates of Deposits, Passbook Savings, and Loan Accounts: You may view balances and transactions in these accounts. However, funds transfer capability is only available for mortgage or installment loan payments.



3. You must be an owner of an Account in order to access it through Online Banking. You agree that each owner of an Account is authorized to access all funds held in that Account.

1. Internet Banking. South Coastal Bank hereby publishes the following terms and conditions for use of Online Banking. South Coastal Bank reserves the right to modify these terms and conditions at any time. Your use of Online Banking constitutes your acceptance of these terms and conditions and any modifications thereof.
   
   
   1. You agree that the following uses of Online Banking are strictly prohibited. You agree to indemnify, hold harmless, and defend South Coastal Bank from and against any and all claims, actions, suits, judgments and expenses (including court costs and reasonable attorney, accountant and expert witness fees) at your sole expense, arising from your failure to abide by these restrictions on use of Online Banking.
      
      
      1. Unauthorized communication of any charge or credit card information belonging to any other person or entity.
      
      
      
      2. Unauthorized communication of any information concerning any password or other Customer ID access number, code, or identification or any other proprietary information belonging to any other person or entity.
      
      
      
      3. Use of Online Banking to copy, distribute or transmit copies of copyrighted materials belonging to any other person or entity is permitted only to the extent that the owner has provided express permission to you consenting to such activity. Copying, distributing or transmitting copyrighted materials, other than with permission as specified above, is expressly prohibited.
      
      
      
      4. Communicating any obscene or defamatory information including but not limited to online bulletin boards or in conjunction with e-mail.
      
      
      
      5. Use of Online Banking in violation of any telecommunication, postal, or other local laws or regulations of your country of origin or of the United States or in furtherance or commission of any crime or other unlawful or improper purpose.
   
   
   
   2. South Coastal Bank and its suppliers make no warranties or representation of any kind with respect to Online Banking, whether expressed or implied, including but not limited to merchantability or fitness for a particular purpose. Neither South Coastal Bank nor its suppliers nor anyone else who has been involved in the creation, production or delivery of Online Banking assume any responsibility with respect to your use thereof. No oral or written information or advice given by South Coastal Bank or its suppliers or any of their employees shall create a warranty or in any way increase the scope of this warranty. You may not rely on any such information or advice. The foregoing constitutes South Coastal Bank's sole and exclusive liability to you with respect to your use of Online Banking.
   
   
   
   3. You further agree:
      
      
      1. That electronic transmission of confidential business and sensitive personal information is at your sole risk;
      
      
      
      2. That South Coastal Bank has the right to monitor and review electronic transmissions online and in storage, and to remove or reject any material, which South Coastal Bank, at its sole discretion, believes, may be unlawful or objectionable, without prior notice to you.



2. Online Bill Payment. South Coastal Bank hereby publishes the following terms and conditions for your use of bill payment services through Online Banking. South Coastal Bank reserves the right to modify these terms and conditions at any time. Your use of bill payment services constitutes your acceptance of these terms and conditions and any modifications thereof.
   
   
   1. You agree to accurately follow product use instructions provided in the online help screens.
   
   
   
   2. You agree to schedule bill payments (payment transaction date) at least 7-10 business days before the payment due date, not including any grace period.
   
   
   
   3. You agree to provide correct payee name, address, account information and payment amount.
   
   
   
   4. You agree to maintain sufficient funds in the Bank Account on the payment transaction date.
   
   
   
   5. You agree that use of your Online Banking Customer ID and password is your signature authorization for any payment.

1. Tell us your name and account number (if any)



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 is the dollar amount of the suspected error.

1. Transfer Funds. Your ability to transfer funds between certain Accounts is limited. Applicable Federal and State law limit transfers from Statement Savings and Money Market Deposit Accounts made through Online Banking. You may make up to a total of 6 pre-authorized, automatic or telephone transfers or payments per statement cycle from your Statement Savings or Money Market Accounts to other accounts or third parties. In the case of Money Market Accounts, no more than 3 of these 6 payments may be made by check or similar item. Transfers and payments from Savings and Money Market Accounts made through Online Banking are counted against the permissible number of transfers or payments. Funds can be transferred immediately between your Checking, Statement Savings and Statement Money Market Accounts. We reserve the right to limit the frequency and dollar amount of transactions from your Accounts for security reasons. Transfers initiated after 6:00 p.m. will be effective the next Business Day. Transfers via Online Banking are subject to Service availability.



2. Account Information. The account information that you access will generally be current as of the end of the previous Business Day, unless another time is specified. Information is available for your Bank Account for up to the past 30 days.



3. Electronic Mail. Because normal Internet e-mail transmissions may not be secure, you agree to contact us electronically only through Online Banking secure e-mail. You also agree to receive communications regarding your Account, including change-in-terms notices regarding Online Banking, electronically and will not attempt to circumvent receiving any messages. You are deemed to have received any electronic messages sent to you when they are made available to you. We will not immediately receive e-mail that you send. Therefore, you should not rely on e-mail if you need to communicate with us immediately (for example, if you need to report a lost or stolen Debit/ATM card or to report an unauthorized transaction from one of your Accounts). We will not take actions based on your e-mail requests until we actually receive your message and have a reasonable opportunity to act. For inquiries involving personal or time sensitive information, you agree to contact us by telephone at 1-866-446-5500

1. Usage. You may use Online Banking to make payments from your designated South Coastal Bank Checking Account.



2. Bill Payments. To pay bills using Online Banking, you must use your Computer to authorize a payment to a particular payee. Our Processor will make your payment either by transferring funds electronically to the payee, or by sending the payee a paper check. You should allow 7-10 Business Days before the due date for the payee to receive your payment on all paper checks. We reserve the right to limit the frequency and dollar amount of payments from your accounts for security reasons. Please note that some payment transactions will be subject to the rules of the National Automated Clearing House Association (NACHA). Payments can only be made to payees with a United States address. We reserve the right to refuse to pay certain payees. You agree that when you enter your Online Banking Customer ID and password to transmit a payment instruction, you authorize us to debit the amount of the payment from your Bank Account accordingly.



3. Recurring Payments. You may use Online Banking to authorize automatic recurring payments in order to pay recurring bills. These payments must be for the same amount each month and they will be paid on the same date each month, or on the following Business Day if the regular payment date falls on a weekend or holiday.



4. Insufficient Funds. If there are insufficient funds in the Bank Account to make payment, we may either refuse to pay the item or we may make the payment and thereby overdraw the Bank Account. In either event, you are responsible for any non-sufficient funds ("NSF") or overdraft charges we may impose, as stated in the Account Disclosure. A block is automatically placed on your designated Bill Payment Account that had insufficient funds so that no further bill payment transactions can be completed until the non-sufficient item is resolved. We also reserve the right to refuse to honor payment requests that reasonably appear to us to be fraudulent or erroneous.



5. Scheduling Payments. When using Online Banking, you should enter and transmit your bill payment instruction at least seven to ten (7-10) Business Days before a bill is due. It is your responsibility to authorize your payments in such a manner that your bills may be paid on time. You are responsible for any late payment or finance charges that may be imposed as a result of your failure to transmit payment instructions at least seven to ten (7-10) Business Days in advance of the bill due date.



6. Canceling Payments. After payment requests are transmitted, you may cancel a payment if the cancellation request is transmitted to our Processor at least five (5) business Days before the payment is scheduled to be made. IF your cancellation request is not received at least five (5) business days before payment is to be made, you may be responsible for the payment.

1. If you do not have adequate funds in an Account to complete a transaction, or if that Account has been closed;



2. If you have not properly followed the instructions on how to make a transfer or bill payment;



3. If you have not given us complete, correct and current instructions so that we can make a transfer or bill payment;



4. If you do not authorize a bill payment soon enough for your payment to be made and properly credited by the payee by the time it is due;



5. If we make a timely bill payment but the payee nevertheless does not credit your payment promptly after receipt;



6. If a withdrawal from your Account has been prohibited by a court order such as garnishment or other legal process;



7. If your Computer is not working properly and this problem should have been apparent to you when you attempted to authorize a transfer or bill payment;



8. If the U.S. Postal service causes a delay; or



9. If circumstances beyond our control prevent making a transfer or payment, despite reasonable precautions that we have taken. Such circumstances include, but are not limited to, telecommunication outages, postal strikes, delays caused by payees, fires and floods. This list is not all-inclusive. You should refer to your Account Disclosure for other exceptions to our liability.

South Coastal Bank
Customer Service
P. O. Box 533
Rockland Massachusetts 02370

1. When we have entered into an agreement with another party to provide certain Online Banking services. We will provide this party with information about your Account, your Banking and bill payment transactions and your electronic mail messages in order to carry out your instructions;



2. Where it is necessary for completing transfers and bill payment;



3. To verify the existence and condition of a Bank Account for a payee or holder of a check issued through Online Banking;



4. To comply with laws, government agency rules or orders, court orders, subpoenas or other legal process, or in order to give information to any government agency or official having legal authority to request such information;



5. At our discretion, we may disclose to affiliated companies information about your Account and transactions you have made to or from your Account;



6. If you give us your written permission; or



7. For any legitimate business need.

South Coastal Bank
Customer Service
P.O. Box 533
Rockland Massachusetts 02370