Avoiding Debt...Managing Your Credit Wisely

Banking Center

It is difficult to imagine life without having credit. You need a solid credit history to buy a house or a car. Some employers even check out your credit record before giving you a job.

The ability to buy something now and pay for it later creates an obligation to repay the debt. The longer you take to pay off the balance, the more it will cost you in interest. So, managing your credit wisely requires self-discipline so you are able to score well with credit grantors.

Creditors use a scoring system to judge whether you meet its criteria. For example, you receive more points if you own your own home and have lived there several years, held a job for a long time, have large balances in your bank accounts and have handled credit responsibly with previous creditors. If you job hop or move frequently, and pay off your debts late, you receive far fewer points. Unfortunately, you don't see your credit score, which is compiled each time you apply for credit.

Interestingly, most creditors will lower your score if you have too much credit available from other sources. Even if you have a spotless payment history, the opportunity for you to go on a spending binge exists in the eyes of the credit-granting agency.

If you think you have a low score, there are steps to take to manage your credit wisely to boost your credit score. You can apply for a secured card, deposit money, make a few purchases and make your payments on time. Consider applying for a department store or gasoline credit card and build small balances, but pay them off in full each month. Over time, your credit score will rise, and you will qualify for unsecured credit cards on your own.

Some additional helpful tips:

Don't apply for more than one or two credit cards at a time. Each inquiry about your credit is included in your credit report. If too many credit grantors inquire at once, they'll all be suspicious of your intentions.

Make it a personal rule not to charge disposable items on your credit cards. Purchases such as food, gasoline and even other debts should be paid for with cash as the purchase is long gone by the time you receive your bill. Who wants to finance a gallon of milk for seven months?

Consider transferring your balance to a lower rate card. If you apply for and accept a lower-rate card, immediately transfer the outstanding balance from your old, higher-rate card. Ask the issuer of the new card if they have actual payment checks that can be sent directly to the old card issuer to pay off your balance. This method can avoid costly cash advance fees.

Make sure the low rate applies to balance transfers.

Avoid cards that charge interest from the date of purchase with no grace period as well as cards that charge interest immediately on a cash advance, plus charge a fee for each cash advance.

By clicking on the "PROCEED" button below, I hereby apply for Bank@Home service (the "Service") and authorize you and your agents and assigns to provide the Service for the Credit Dauphine, N.A. (the "Bank") accounts designated. I understand that the use of the Service is subject to the terms and conditions (including those applicable to electronic fund transfers subject to Regulation E of the Federal Reserve Board) contained in: (a) the Web Banking Service Agreement ("the Service Agreement") and (b) your disclosure booklet for personal accounts or your disclosure booklet for business accounts (if I am applying for the Service as a sole proprietor), which I will receive in the mail or received when I opened my account(s). I/We acknowledge and agree that using, or permitting another person to use, the Service confirms the agreement set forth in the Service Agreement(s), which will be included in the Online Welcome Kit.

I must indicate that I wish to cancel the Service by written notice. Non-usage of the Service for 60 consecutive days may result in either termination of the Service or discontinuance of any service fee waiver at your sole discretion. I agree that any time after such notice or period of non-use, you may discontinue both the Service and/or any waiver of charges that ordinarily apply to this or any other services provided by you or Credit Dauphine Investment Services in connection with a promotional offer of the Service (e.g. free use of non-bank ATM's or free Online Account Access or Online Bill Payment). If my Service is discontinued, pending payments and recurring payments that have not been sent will be canceled.

I understand and agree that: subscribing to and using the Service is required to qualify for any promotional waiver of service charges; you may take up to 60 days to verify such Service usage before crediting me with any promotional rebate (discontinuing the Service does not require repayment of any rebate previously given); I am eligible for the benefits of only one promotional offer for Bank@Home and only for the software designated, and your determination of eligibility, whether by reference to Taxpayer Identification Numbers, account numbers, or otherwise, shall be conclusive on this point; the promotional waiver of other network fees for ATM transactions (but not any other fees which may be imposed for transactions on a non-Bank ATM) is available only on the single checking account I designate for Bank@Home billing purposes; see Service Agreement for details. I may begin using the Service only after you have provided me a PIN and Welcome Kit to confirm my enrollment as a Bank@Home customer.

I hereby certify that all statements in this application are true and complete and are made for the purpose of obtaining the Service, and opening an account relationship with you; authorize you to obtain such information as you may require concerning the statements herein; agree that this application shall remain your property; and acknowledge my responsibility under Section 1788.21 of the California Civil Code to inform you of any change in name, address or employment within a reasonable time.

Web Banking Service Agreement

This Web Banking Service Agreement ("Agreement") sets forth the terms governing DauphineWeb(sm) on the Web and Business Banking on the Web(collectively the "Service") offered by Credit Dauphine, N.A. ("Bank," "we," and "us").All subscribers to the Service ("you") agree to be bound by these terms. This Agreement is a supplement to other information and disclosure documents governing the Activated Accounts (as defined below) at Credit Dauphine,including, but without limitation,"All About Personal Accounts and Services" disclosure and agreement and "All About Business Accounts and Services" disclosure and agreement.

This Agreement for the Service is not meant to replace any such agreements that govern your accounts at Credit Dauphine, or at its Credit Dauphine Investment Services, Inc. subsidiary("Investment Services")that will be accessed through the Service. For purposes of this disclosure, our Business Days are Monday through Friday.Bank holidays are not included.

1. Activated Accounts. You can have the following types of Credit Dauphine or Investment Services accounts connected to the Service:Checking accounts,Savings accounts,MoneyMarket deposit accounts (or Super MoneyMarket deposit accounts) Personal and small business lines of credit Cash Reserve line of credit,Portfolio Connection® accounts,Credit Dauphine Investment Services IRA and brokerage accounts (you may view account balance information only) Installment Loans We may allow other types of accounts to be connected to the Service from time to time.Connected accounts are referred to as "Activated Accounts." We reserve the right to determine which accounts can be connected to the Service. We may refuse to allow certain accounts, such as accounts with special signing requirements, to become activated.

2. Authorized Persons. If you are approved for this Service, you may act alone in using the Service to perform transactions involving any Activated Account. You can designate identification numbers for individuals you wish to be able to obtain account information or perform routine transactions on Activated Accounts.Individual identification numbers must be specifically requested for each individual name. This feature allows you to control the degree of access to, and authority over, your accounts when using the Service.(For example, you may authorize certain individuals to make inquiries only,and other individuals the ability to initiate all transactions.) After the request for an identification number is made, each individual will be mailed a temporary password. This temporary password will be replaced by a permanent password of the individual’s choosing the first time the service is used.

3. Computer Requirements. The Service requires the use of 128-bit encrypted browser software (such as Credit Dauphine® Navigator or Credit Dauphine® Internet Explorer,or other software that allows you to view the World Wide Web), a computer,a modem and an Internet Service Provider, or the equivalent for Credit Dauphine or similar viewing device. In this Agreement, the device and software used to view the World Wide Web are collectively referred to as your "Computer". You are solely responsible for the selection,installation, maintenance,operation and cost of your Computer and Internet Service Provider.Note: the Service is not compatible with all browser software, and is best viewed using Credit Dauphine or Internet Explorer 4.0 (128-bit encryption version).

4. The Service. The Service allows you to: Obtain account balance and transaction information for your Activated Accounts; Transfer money between Activated Accounts and set up weekly,bi-weekly, monthly or bi-monthly recurring transfers from one Activated Account to another.(Recurring transfers must be for the same amont.); Transfer money between Activated Accounts and your accounts at other financial institutions; Transfer money to pay certain Credit Dauphine lines of credit,mortgages, or loans;Pay bills to any merchant, institution or individual with a U.S.address or your Credit Dauphine credit card through Online Bill Payment (see section 5 of this Agreement);Order copies of paid checks and prior statements;Reorder checks from Credit Dauphine® Check Printers (Not available for Business Banking on the Web); Request a stop payment on a check; and Activate your MasterMoney® Card. Transfers Transfers to other financial institutions are generally limited to two per day with a maximum of $20,000 each per Activated Account. Transfers from another financial institution are limited to two each day with a limit of $500 each. You are limited to two pending transactions at one time for each account. Other Service transactions may be limited to $20,000 each per Activated Account.

Transfers from another financial institution to your Activated Account may take up to one Business Day to complete. Transfers can be canceled at any time before 11:00 p.m. (Pacific Standard Time) on the Business Day the transaction is scheduled to take place. Please note that some funds transfers you make through the Service are also subject to Wire and ACH Transfer terms and conditions.Refer to agreements governing your Activated Accounts for a description of any transfer limitations. Transfers or payments from savings or money market accounts may be limited (see Section 7 of this agreement).If there are insufficient available funds in an account you designate to make a transfer, or if making a transfer would cause your line of credit account to exceed your credit limit, we may reverse the transfer. If the Bank chooses, we may complete the transfer by overdrawing your account or by making an advance on your line of credit in excess of your credit limit. We may charge a fee for each transfer request that would overdraw your account (or exceed your credit limit) whether or not we complete the transfer.Refer to Section 5, Online Bill Payment, for additional information. Line of Credit. Each transfer made from a line of credit account will be treated as a loan advance. Stop Payments.can place a stop payment using the Service. To do so, you must provide us with timely, complete and accurate information designating the account number the item is drawn upon, the item number and the EXACT amount of the item (dollars and cents). If any information is incomplete or incorrect, we will not be responsible for failing to stop payment on the item. Also,depending on the date you request a stop payment, we may not be able to verify whether the item has been paid, in which case we will ask you to telephone Teleservices® or Commercial Customer Service. Be sure to wait for an online confirmation that a stop payment was placed before you log out of the Service. Requests become effective only when we confirm their receipt and have verified that the item has not been paid.To place a stop payment covering a range of checks that are missing or stolen, you must call Teleservices or Commercial Customer Service for personal assistance, or contact your banking office. Other terms and conditions governing stop payments are contained in "All About Personal Accounts and Services" and "All About Business Accounts and Services" agreements and disclosures.E-Mail Limitations. We may 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 card or PIN, or report an unauthorized transaction from one of your accounts. (If you need to contact us immediately, please refer to Section 15). We cannot take action based on your E-Mail requests until we actually receive your message and have a reasonable opportunity to act. E-Mail may not be used to request account information or to conduct transactions with us (e.g., wire transfer requests, loan payments or funds transfers). Also, because E-mail you send to us may not be secure, do not include confidential information. If in doubt, contact your banking office. Activated Account Detail and Balances. For each Activated Account,you may access a maximum of 42 days of your transaction history or 1,000 transactions, whichever is less, through the Service.With certain exceptions, as described below, your transactions and account balance are current as of the close of the previous Business Day. Your Available Balance is also shown on the Service, which takes into account uncollected funds, holds, and transactions posted or memo posted since the close of the previous Business Day. Due to timing differences between cut-off times for Money Market Fund transactions and Bank processing of deposits, checks and MasterMoney Card transactions, the Available Balance reported for Portfolio Connection accounts represents the Money Market Fund balance as of the end of business two days ago, with memo posting of items received and processed by the Bank the night prior to posting the balance on the Service. If you overdraw your checking account and you have Savings Overdraft Protection, the credit to your checking account will appear on the day the checking account is overdrawn. The debit to your savings account will not appear until the following day. This means that your savings account balance will be overstated by the transfer amount for one day. If a transfer exceeds the available credit on your Cash Reserve or line of credit, the funds will appear in the account to which you transferred them, but will not be available for withdrawal. The transfer may be reversed the following Business Day. You will continue to receive printed statements through the mail, subject to the information in Section 11 of this agreement. Teleservices® and Automated Customer Service When you sign up for Bank@Home on the Web or Business Banking on the Web, you automatically have access to your account information through Credit Dauphine’s Teleservices and Automated Customer Service, the Bank’s 24-hour telephone client service departments. The terms and conditions governing Teleservices are provided in the Bank’s "All About Personal Accounts and Services" and "All About Business Accounts and Services" disclosures and agreements. The terms and conditions governing Automated Customer Service are provided in the Bank’s "All About Business Accounts and Services" disclosure and agreement. Customer Access Number Your Customer Access Number is the same whether you access your account information through Bank@Home on the Web or call Teleservices or Commercial Customer Service’s Automated Customer Service; however, your Personal Identification Number ("PIN") will be different. (For more information about your PIN, see Section 6 of this Agreement.) Your customer access number is the last eight digits on your ATM or MasterMoney Card, or in some instances your access number may be your account number.

5. Online Bill Payment. Our Online Bill Payment service allows you to schedule bill payments through the Service seven days a week. Through Online Bill Payment you can: Make payments to individuals, businesses, merchants, and your Credit Dauphine credit card and loan accounts. Set up payments to be made on a regular basis. Make transfers to and from your Credit Dauphine Activated Accounts, or set up automatic transfers.* You may also make transfers from accounts at other financial institutions after these accounts are activated for transfer "from" capability. * Except in the case of a Credit Dauphine credit card, when you add a Bank account as a payee, it will be immediately accessible to you as a transfer "To" account. If you are an authorized signer on this account (contracting officer on a business account), we will add it to your Service relationship, allowing you to view it on your financial summary screen within the Service and to transfer funds "To" and "From" this account via the Service. (The "From" and financial summary screen access will be available approximately 5 Business Days from the date you enter the account as a payee.) Payment Account. Each time you make an Online Bill Payment, you must indicate the Credit Dauphine Activated Account from which you wish the payment to be made (the "Payment Account"). Payments, except Credit Dauphine loan payments, may not be made from savings accounts. Payment Method. Your Online Bill Payments will be made by transferring funds electronically from the Payment Account to the payee, or by mailing or otherwise delivering a check payable to the payee. A "payee" is a person or business you are paying. You can only designate payees with United States addresses. Payees may be deleted from your Service by you or the Bank if you do not use them. You should receive a notification within the Service before they are deleted. Timing and Scheduling Your Payments. To allow time for the payee to receive your payment, you must schedule the payment to be made at least five Business Days prior to the day you want a payee to receive payment. The day by which the payee indicates payment is due is the "Due Date." We recommend that you do not schedule the payment to be made during a grace period that your payee grants between the Due Date and the date at which the payment is considered late. The Bank will not be liable for late charges, penalties, interest, finance charges and other damages if you schedule your payment to be paid during a grace period. The Bank will initiate your payment request either on the Business Day we receive your request, or the Business Day you specify, up to 90 days in the future. Payments requested to occur on a Saturday, Sunday or Bank holiday will be processed the next Business Day. You may make payments to your Credit Dauphine loan Activated Accounts up to 11:00 p.m. (Pacific Standard Time) on the Date Due for same day processing. (Note: this does not include your Credit Dauphine credit card.) When requesting an Online Bill Payment, your account will be charged the day you designate the payment be made (the "Process Date"). The payment will be mailed or sent electronically to the payee the next Business Day. You must have funds on deposit in the account you specify on the Process Date for the payment to be made. The Bank assumes no responsibility for late payments if you do not properly schedule and submit your request. To ensure that critical or time-sensitive payments, such as insurance premiums, are made in a timely manner, we recommend that you schedule these payments well in advance of their Due Dates. Payees may require extra time to post a payment to your account because they do not receive a payment coupon or invoice number with the payment.

Some payees disclose the extra processing time they require to post payments that do not include a payment coupon or invoice. Recurring payments may be set up for weekly, bi-weekly, monthly or bi-monthly payment. They must be for the same amount each time. Any scheduled or recurring payment request you designate that falls on a Saturday, Sunday or a Bank holiday will be made on the following Business Day. Please note that some payments to payees you make through the Service are subject to Wire and ACH Transfer terms and conditions.Refer to agreements governing your Activated Accounts for more information. Caution Against Using the Service to Make Tax Payments: Please note that Credit Dauphine discourages you from using Online Bill Payment to pay federal, state or local tax agencies.These agencies frequently require that coupons accompany payments, which cannot be done through Online Bill Payment. For this reason, unless the Bank made an error in scheduling a payment, the Bank will not be liable for penalties, interest or other damages of any kind to tax agencies. Disconnected Service. If for some reason you are disconnected from the Service before you log out, we recommend that you log back onto the Service to verify that the payments or transfers you scheduled appear on your pending payments/transfers screen. Do NOT reissue any payment requests made during the interrupted session unless you have been advised to do so by the CD-Direct Banking Center. Otherwise, a duplicate payment could result. You authorize us to pay any duplicate payments you issue. We will not be responsible for any payee’s refusal to return any duplicate payments issued by you. Rejecting Payment Requests. Payment requests may be rejected if they appear to be fraudulent or erroneous. A payment request may also be refused if there is any uncertainty regarding the transacting party’s authority to conduct the transaction, or if there is any dispute or uncertainty regarding the ownership or control of the Payment Account. No Signature Required. When a payment is requested using Online Bill Payment, you agree that we may charge your account to make the payment with the same effect as if you had signed a check.When using the Service to make transfers from accounts, you agree that we may take any action required to obtain loan advances on your behalf, including charging the Activated Account you designated without your signature. Canceling Online Bill Payments. After a payment request is transmitted, you may use Online Bill Payment to cancel the payment by using the DELETE function on the Bank’s "Pending Payment/Transfers" web site page. The canceling request for payments must be transmitted before 11:00 p.m. (Pacific Standard Time) on the Business Day the transaction is scheduled to take place, or you may be responsible for the payment. Recurring payment instructions must be canceled no later than 11:00 p.m. (Pacific Standard Time) the day prior to the recurring payment date. Our Liability for Failing to Make Online Bill Payments. Please refer to Section 12 of this Agreement. Cancellation or Termination of Online Bill Payment. Please refer to Sections 17 and 18 of this Agreement. Online Bill Payment Fees. For Online Bill Payment fees, refer to the applicable Fee Schedule for your Service.

6. Personal Identification Number (PIN). You need a Personal Identification number ("PIN") to access your Service. When you sign up for the Service, the Bank will mail a temporary PIN to you. During your first use of the Service, you will be required to select your own PIN. If you have designated different users for your Service, they will be issued separate PIN's. To help safeguard your security, you should change your PIN frequently. Do not write your PIN on your Computer. If you forget your PIN, you must contact us to have a new temporary PIN issued to you. You agree to keep your PIN confidential in order to prevent unauthorized access to your accounts and the Service. No Credit Dauphine employee will ever ask you for your PIN. You should never include your PIN in any verbal, written,faxed, or e-mail communication with us. Your PIN can be changed within the Service. you will have a separate PIN to access Teleservices and Automated Customer Service. To report a lost or stolen PIN, see Section 15 of this Agreement.

7. Limitations. Federal law limits certain transfers and withdrawals from savings accounts and money market deposit accounts. You may not make more than six withdrawals and/or transfers from these accounts each monthly statement period by check (for accounts with check privileges), pre-authorized or automatic transfer, draft, debit card, data transmission, or telephonic agreement. Only three of these six transfers may be by check, draft, debit card, or similar order. Please see your deposit agreement for further details. Investment Services and the Bank reserve the right to limit the frequency and dollar amount of transactions from your Activated Accounts for security reasons.

8. Hours of Operation and Transaction Cutoff Time. The Service is available to you 24 hours a day, 365 days a year, except at times of "Service Unavailability" (see Section 9 of this Agreement). Your Activated Account information is updated at each "Update Time", defined as 6:00 a.m. (Pacific Standard Time) Tuesday through Friday and 8:00 a.m. (Pacific Standard Time) on Saturday, except on Bank holidays. We will process your transaction request at the end of the Business Day if you complete and transmit the request by 11:00 p.m. (Pacific Standard Time) (the "Cutoff Time"), Monday through Friday, except on Bank holidays. Transfer requests submitted after the Cutoff Time or on non-Business Days will be considered requested as of the next Business Day.If you attempt to send transaction requests near the Cutoff Time, and your request is not completed before the Cutoff Time, your transaction requests may be deemed received as of the next Business Day. The exact timing of the Update Time or the Cutoff Time may vary without notice. We will not be responsible for any loss or delay related to any variation.

9. Service Unavailability. Access to the Service may be unavailable without notice at certain times for the following reasons: Scheduled Maintenance. There will necessarily be periods when systems require maintenance or upgrades. These typically occur from 11:00 p.m. to 1:30 a.m. (Pacific Standard Time). You may be able to access your account information between the hours of 11:30 p.m. and 1:30 a.m. (Pacific Standard Time); however, you will only be able to view your information ("Inquiry Only Mode"). The system will also not be available on Sundays from 1:30 a.m. to 3:00 a.m. (Pacific Standard Time). Unscheduled Maintenance. The Service may be unavailable when unforeseen maintenance is necessary.System Outages. Major unforeseen events, such as earthquakes, fires, floods, computer failures, interruptions in telephone service or electrical outages, may interrupt Service availability. During Inquiry Only Mode you will not be able to schedule payments, transfers, or change your PIN.) Although we undertake reasonable efforts to ensure the availability of the Service, we will not be liable in any way for its unavailability or for any damages that may result from such unavailability.

10. Service Fees. Refer to your Service "Fee Schedule" for fee information about Bank@Home on the Web and Business Banking on the Web. Service fees for other banking transactions may be covered in supporting documentation from the Bank, such as the "All About Accounts and Services" agreements and disclosures.

11. Account Statements. You will continue to receive monthly account statements for your Activated Accounts, except in the case of savings accounts when there were no transfers in a particular month. In any case, you will be mailed statements at least quarterly or annually, depending on your deposit agreement with the Bank. Service transactions will appear on your account statements. Copies of checks and statements can be ordered through the Service, Commercial Customer Service, or your banking office.We may impose a fee for such copies.

12. Our Liability For Failing To Make or Complete a Transaction.If Credit Dauphine or Investment Services does not properly complete a bill payment or transfer on time or in the correct amount, we will pay any late fees or finance charges as long as your account was in good standing with the merchant prior to this incident. There are some exceptions, however. We WILL NOT be liable, for instance, if: You fail to provide us with timely, complete and accurate information for a stop payment;

Through no fault of ours, you do not have enough available funds or credit availability in your account to make the payment or transfer; The payment or transfer would exceed the credit limit under any credit arrangement established to cover negative balances; Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption or a natural disaster) prevent or delay the transfer despite reasonable precautions taken by us; The system or terminal was not working properly and you knew or should have known about the problem when you started the transaction; The funds in your account are subject to legal process, an uncollected funds hold or are otherwise not available for withdrawal; The payment account is closed or frozen; The electronic funds transfer system of Credit Dauphine is not working properly; The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; You did not properly follow Service instructions on how to make the transfer or payment (this includes incorrect date, amount and/or address information);You did not authorize a payment early enough for the payment to be scheduled, transmitted, received, and credited by the payee’s Due Date; We made a timely payment but the payee refused to accept the payment or did not promptly credit your payment after receipt;

Any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee; Your Computer, Internet connection and/or software malfunctioned for any reason, or the transaction could not be completed due to Service Unavailability. We will not be liable for indirect, special, or consequential damages arising out of the use of Online Bill Payment. There may be other exceptions stated in our agreements with you. We will not be responsible for any errors or failures due to any malfunction of your Computer or the software, the unsuitability of your Computer or software, or any virus. Business Accounts. We will have NO LIABILITY FOR CONSEQUENTIAL,REMOTE OR INDIRECT DAMAGES resulting from any failure to complete a transaction, even if we have been advised of the possibility of such damages, if you are a corporation, partnership, limited liability company, or other business entity (i.e., not a natural person), or if you established the account from which the transfer was intended for other than personal, family or household purposes.

13. Your Liability for Unauthorized Electronic Fund Transfers. Tell us AT ONCE if you believe your PIN has been lost or stolen.Telephoning is the best way of limiting your possible losses. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two Business Days that your PIN as been lost or stolen, you can lose no more than $50 if someone used your PIN without your permission. If you do NOT tell us within two Business Days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement or information you access online shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. Business Accounts. The limitations on customer liability set forth in the preceding paragraphs do not apply to accounts held by businesses. Business customers agree to review promptly all statements, notices and transaction information made available to them, and to report all unauthorized transactions and errors to us immediately. Business customers agree that we may process payment and transfer instructions which are submitted with a correct PIN, and agree that such instructions will be deemed effective as if made by them, even if they are not transmitted or authorized by the customer.

14. In Case of Errors or Questions About Your Electronic Transfers or Payments. Email us at Credit Dauphine (analysis@creditdauphine.com), as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent 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 that you send us your complaint or question in writing within 10 Business Days. We will tell you the results of our investigation within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 Business Days for amount you think is in error, so that you will have the use of the money during the time that 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 re-credit your account. If we decide that there was no error, we will send you a written explanation within three Business Days after we complete our investigation. You may ask for copies of the documents that we used in our investigation.

Business Accounts. The time limits and provisional re-crediting procedures described in the preceding paragraphs in this Section 14 do not apply to businesses, which are subject to the provisions of the appropriate account agreements.

15. Reporting Unauthorized Transactions. If you believe your PIN has been lost, stolen, or discovered by another person, or that someone has transferred or may transfer money from your account without your permission, email us at Credit Dauphine (analysis@creditdauphine.com) or write to us at:

Credit Dauphine, N.A.

CD-Direct Banking Center,

P.O. Box 224000, Los Angeles, California, 90002

16. Release of Account Information. You authorize us to release information regarding the status and history of your accounts to others, including (without limitation) our parent company, agents and affiliates, except as limited by applicable law. We normally release information when it is necessary or helpful in completing a transaction; to verify the existence and condition of your account for a third party, such as a merchant, another financial institution or a credit reporting agency; to comply with the law or a court order; when an inquiry is made regarding sufficient funds to cover a check you have written; with your authorization; to paying agencies after the death or incapacity of a recipient or beneficiary of recurring direct deposit payments; to our agents and affiliates, except as limited by applicable law, and other companies to facilitate the delivery of information related to your accounts or other financial services; in response to requests by agents of the Bank, such as independent auditors, consultants, or attorneys; and to an account verification service if we close your account due to unsatisfactory handling, fraud, attempted fraud, or criminal activity. (See your deposit agreement for details).

17. Non-usage and Cancellation of the Service. You must indicate that you wish to cancel the Service by written notice to CD-Direct Banking Center, P.O. Box 224000, Los Angeles, CA 90002. Non-usage of the Service for 60 consecutive days may result in either termination of the Service or discontinuance of any service fee waiver at our sole discretion. You agree that at any time after such notice or period of non-use, we may discontinue both the Service and/or any waiver of charges that ordinarily apply to this or any other services provided by us or Investment Services in connection with a promotional offer of the Service (e.g. free use of non-Bank ATMs or free Service or Online Bill Payment). We strongly suggest that you cancel all recurring and future bill payments before you cancel your service, either by deleting those payments yourself using the Service. This will ensure that future payments and transfers made by you will not be duplicated.

We will automatically delete, without notice, all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.

18. Termination of Service. We may suspend or terminate your Service at any time, with or without cause and without affecting your outstanding obligations under this agreement. We may immediately take this action if:

You breach this or any other agreement with us; We have reason to believe that there has been or may be an unauthorized use of your account or PIN; There are conflicting claims to the funds in your account; or You request that we do so.

19. Portfolio Connection Accounts. Portfolio Connection is made available though Credit Dauphine Investment Services, Inc., a registered broker-dealer, member NASD/SIPC, and wholly owned subsidiary of

Credit Dauphine, N.A. Investments are available through Credit Dauphine Investment Services, Inc. and: are NOT bank deposits; are NOT obligations of, or guaranteed by, any bank, Credit Dauphine Investment Services, Inc., or any subsidiary or affiliate; are NOT insured or guaranteed by the FDIC or, unless government securities, by any other government agency; and involve investment risk, including the possible loss of principal. See your Portfolio Connection Customer Agreement for details. SIPC generally protects customers against the physical loss of securities certificates if the broker-dealer holding the securities for the customers fails. It does not protect against market or investment loss. Portfolio Connection utilizes four registered money market funds as "sweep" vehicles. These funds are offered solely through SEI Financial Services Corporation, their distributor, which is not affiliated with Credit Dauphine. The investment management division of Credit Dauphine (or an affiliate of the Bank), acts as investment advisor to the Highmark Funds and the Bank provides certain other services to the Funds. The Bank and its affiliate(s) receive compensation for their services. For more complete information about the mutual funds available,including charges and expenses, please request a prospectus and read it carefully before you invest. For those investments allocated to a money market fund, it is a fundamental policy to use every effort to maintain a stable net asset value of $1.00. There is no assurance that a fund will be able to do so.

20. Amendment of this Agreement. Credit Dauphine may change or cancel the Service at any time without cause, subject to applicable laws and regulations. We may amend this agreement by sending you advance notice of the amendment. All notices we send to you will be deemed delivered when mailed to the last address the Bank has for you.

21. Notices. We may send notices to you at the address shown in our account or Service records.

22. Severability. If any provision of this Agreement is determined to be void or invalid, the rest of the Agreement will remain in full force and effect.

23. Other Terms. This Agreement supplements the agreements of the various Activated Accounts you have connected to your Service. Please see those agreements for other details regarding your accounts, fees and transactions.

24. Limitation Of Promotional Offers. We may, from time to time and at our sole discretion, make some o all of the Service available to qualifying customers at special promotional rates. Promotional offers are subject to the following limitations and requirements (as well as any other terms disclosed):Selection of the Service and an eligible checking or Portfolio Connection account as your Billing Account. Any pricing advantage on related services (checking accounts,ATM fees, etc.) is contingent upon activation and regular use of the Service.If the promotional offer includes an ATM fee waiver, the waiver applies to network fees for withdrawals and transfers from your Billing Account only. An ATM fee waiver does not apply to the charges other financial institutions or merchants may impose for transactions at their locations. Only one promotional offer per Service relationship is permitted, and our determination on this point, whether by reference to Taxpayer Identification Number, account numbers, or otherwise, shall be conclusive. Promotional offers may change from time to time without prior notice. Unless otherwise indicated, no more than one promotional offer or discount shall apply with respect to any account or service. Making changes while you are obtaining the Service under a promotional offer terminates the benefits of that offer and entitles you to the benefits of any promotional offer then in effect for the new type of Service, but only for the period of time remaining under your original promotional offer.