Online Banking Requirements Listed in detail under the Access heading within the Personal Online Banking Agreement.

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1 Clover Community Bank esign Agreement Personal Online Banking is electronic access to your accounts at Clover Community Bank. In order to participate in this convenient and secure service, please review and acknowledge the following: Online Banking Requirements Listed in detail under the Access heading within the Personal Online Banking Agreement. Terms and Conditions: I authorize Clover Community Bank to send Online Banking disclosures to me, in lieu of a paper copy, in electronic copy. I understand I have the right to request a paper copy of the Personal Online Banking disclosure at no charge. I agree to update Clover Community Bank with any address changes. Clover Community Bank shall not be held responsible or liable for any costs associated with updating, modifying or terminating my software or hardware. You may revoke your authorization to the esign agreement at any time by providing us with written notice by mail or by calling This termination will only affect your esign authorization and does not terminate any other agreements you may have with us. I understand that electronic access to my accounts is not available for an account once it is closed. I understand that I must contact the bank in order to retrieve transaction information for a closed account and that research fees, as disclosed in the current personal banking services schedule of fees, may apply. Personal Online Banking Agreement This Agreement is a contract which establishes the rules that cover the electronic access to your accounts at Clover Community Bank using Online Banking. By using Online Banking, you accept all the terms and conditions of this Agreement. Please read it carefully and print out a copy for your records. This Agreement is subject to applicable Federal Laws and the Laws of the State of South Carolina. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. This Agreement is binding upon your heirs and the bank's successors and assigns. The headings in this Agreement are for convenience only and do not govern the meaning of this Agreement. The terms and conditions set forth in this agreement are in addition to and do not by any means cancel or supersede any other agreements, disclosure, or signature cards that govern your deposits, loans or other business relationships with Clover Community Bank. PRIVACY Protecting the privacy of consumers is important to Clover Community Bank and our employees. Our Privacy Policy is incorporated in this agreement, however you should review this policy located on our website at You agree that you have read and understand our Privacy Policy. DEFINITIONS The words in this Agreement: -"We", "our", "us" refer to Clover Community Bank.

2 -"You" and "your" refer to each person who has an interest or ownership in an account that is accessible through Online Banking or BillPay. -"Account" or "accounts" means your accounts at Clover Community Bank. -"Electronic funds transfers" means ATM withdrawals, preauthorized transactions, point-of-sale transactions, transfers to and from your Clover Community Bank accounts using Online Banking. -"Online Banking" refers to the services provided pursuant to this Agreement. -"BillPay" refers to the consumer bill paying services provided pursuant to this Agreement and as disclosed in the separate BillPay Agreement/Disclosure. ONLINE BANKING SERVICES You can use Online Banking to check the balance of your Clover Community Bank accounts, view your account histories, transfer funds between your Clover Community Bank accounts, make stop payment requests, and view statements. ACCESS You must have at least one account at Clover Community Bank, access to necessary computer equipment, access to Internet service, and web browsing software with 128-bit encryption (minimum of Internet Explorer 7.0 or Firefox 2.0) in order to use Online Banking. In order to use BillPay, you must have the same items but in addition you must have a checking account at Clover Community Bank and an address. You agree that you are responsible for any and all installation, maintenance, and operation of your computer and your software. HOURS OF ACCESS Online Banking and BillPay can be accessed seven (7) days a week, twenty-four (24) hours a day. Occasionally due to emergencies or scheduled maintenance, services may not be available. ENROLLMENT The enrollment process can be completed on Clover Community Bank s website, or at any of our branches. You can gain immediate access to your accounts by completing the First Time User online enrollment form. You will have access only to those accounts for which you are authorized. YOUR PASSWORD For security purposes, you may be prompted to change your password upon your initial login to Online Banking. You determine what password you will use and the identity of that password. The password must contain no less than six (6) and no more than seventeen (17) characters and must include at least one alpha and one numeric character. Passwords are case sensitive so be careful when entering upper and lower case characters that you remember how you originally entered the password for the next time you attempt to login. The password is not communicated to us. -You agree that we are authorized to act on instructions received under your password. -You accept responsibility for the confidentiality and security of your password. -You agree to change your password regularly.

3 Upon five unsuccessful attempts to use your password, your access to Online Banking will be revoked. To reestablish your authorization to use Online Banking, you must contact us to obtain a new temporary password. You may contact an Operations department representative at for assistance. Your password should not be associated with any commonly known personal identification such as social security number, address, date of birth, and names of children. Your password should be memorized rather than written down. SECURITY ACCESS You play an important role in preventing the misuse of your accounts through Online Banking or BillPay. You agree that you are responsible for all transactions you authorize or make using Online Banking or BillPay including those transactions that may be made unintentionally or inadvertently, and any losses, charges, or penalties that you may incur as a result. You agree that you are responsible for any transactions made by unauthorized persons using your login ID and Password. You agree to promptly examine your statement for each of your Clover Community Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account, account number and personal identification information such as your driver s license number and social security number. You understand that personal identification information by itself or together with information related to your account may allow unauthorized access to your account. Your password and login ID are intended to prevent unauthorized access to your accounts. You acknowledge that we undertake no obligation to monitor transactions through Online Banking or BillPay in determining that they are made on behalf of the account holder. You acknowledge that the Internet is inherently insecure, and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. Data that is transferred through Online Banking or BillPay is encrypted in an effort to provide transmission security. Identification technology is used to verify that the sender and receiver of the transmissions can be appropriately identified by each other. In our efforts to ensure that Online Banking and BillPay systems are secure, we cannot and do not warrant that all data transfers using these programs or any transmitted to and from us, will not be monitored or read by others. COMPUTER SECURITY AND PROTECTION You are solely responsible for providing for and maintaining the physical, electronic and technical security of data and systems in your possession or under your control. You are solely responsible for maintaining and applying anti-virus software, security patches, firewalls, and other security measures with respect to your operating systems and for protecting, securing and backing up any data and information stored. You are solely responsible for protecting yourself against fraud and other internet frauds and schemes, including but not limited to phishing and pharming. We will not be held responsible for any failures or malfunctions, including but not limited to, viruses, malware, key loggers, and/or spyware, of your computer equipment used with Online Banking. The Bank is not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser, internet service provider, personal financial management or other software, or any physical equipment you may use to access or communicate with the Bank. Any material downloaded or otherwise obtained is done so at your own discretion and risk.

4 The content and information on our site is the property of Clover Community Bank and the unauthorized reproduction or distribution of any portions is prohibited. CHANGE IN TERMS We may change any term, condition, fee, charge, or provision of this Agreement at any time. If there are changes that would increase the liability to you such as increased fees, we will mail or deliver a notice to you at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. Your continued use of Online Banking or BillPay indicates your acceptance of any change in terms, unless you notify us in writing within ten (10) days of receiving the notice that you reject these changes and close your accounts with us. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures. PERIODIC STATEMENTS Transactions completed through Online Banking or BillPay will appear on their respective accounts periodic statements you currently receive from Clover Community Bank. LIMITS ON AMOUNTS AND FREQUENCY OF ONLINE BANKING OR BILLPAY TRANSACTIONS The number of transfers made from a Clover Community Bank account is limited to the terms of the applicable deposit agreement and disclosure for those accounts. You may make an unlimited number of withdrawals from your savings and money market accounts in person, by mail, at ATM's, or by telephone if the withdrawal amount is mailed to you in a check. Pursuant to federal regulations, you may make no more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, debit card or other similar transactions from your savings and money market accounts per month or statement cycle. Telephone transfers, Online Banking Transfers and point of sale transactions are considered to be automatic transfers. POSTING OF TRANSFERS Transfers initiated through Online Banking: -Before 5:00 p.m. (Eastern Time) will be posted to your account the same day. -After 5:00 p.m. (Eastern Time), on a Saturday, on a Sunday or a Banking Holiday will be posted to your account on the next business day. Payments initiated through BillPay: -Before 2:00 p.m. (Eastern Time) will be posted to your account the same day. -After 2:00 p.m. (Eastern Time), on a Saturday, on a Sunday or a Banking Holiday will be posted to your account on the next business day. OVERDRAFTS (ORDER OF PAYMENTS, TRANSFERS, AND OTHER WITHDRAWALS) It is your responsibility to ensure that you have enough available funds or credit in an account that you wish us to make a payment or transfer from. If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then: -transfers involving currency disbursements will have priority;

5 -transfers initiated through Online Banking or BillPay which would result in an overdraft of your account may, at our discretion, be cancelled; -transfers initiated through Online Banking or BillPay which would result in an overdraft of your account and are not cancelled, may be assessed overdraft charges as listed in the deposit agreement/disclosure for that account. You agree to reimburse us if we complete a payment or transfer that you make or authorize and later learn that you have insufficient funds to cover the transaction. You further agree that we may reverse the transaction or offset the shortage with funds from any other deposit account (s) you may have with us to the extent permitted by the applicable law and the terms of any other relevant Account Agreements. FAILURE TO MAKE TRANSFERS If a transfer is not completed to or from your account on time or in the correct amount, we will not be liable: 1. If, through no fault of ours, you do not have enough money in your account to make the transaction or transfer; 2. If the transaction would exceed the credit limit on your Overdraft Protection account (if you have one) or the Automated Overdraft Privilege limit (if available); 3. If your account is not in good standing, closed, or has been frozen; 4. If a hold has been placed on deposits in an account that you wish to transfer funds from, you cannot transfer the allowed portion of the funds held until the hold expires; 5. If we reverse the transaction or transfer because of insufficient funds; 6. If any electronic terminal, telecommunication device or any part of the Online Banking or BillPay system was not working properly and you knew about the problem when the transaction was started; 7. If any system you use including your browser, internet service provider, financial management software, or any equipment you may use to access Online Banking or BillPay malfunctions or is misapplied; 8. If you obtain a computer virus; 9. If you have not properly followed the on-screen instructions for using Online Banking or BillPay; 10. If circumstances beyond our control (such as fire, electrical outages, postal strikes, delays caused by the payee, or flood) prevent the transaction, despite reasonable precautions that we have taken; 11. If you or anyone you allow, commits fraud or violates any law or regulation; 12. If court order or other legal process prevents us from making a transaction. There may be other exceptions to liability besides those that are listed above or that may be stated on our account agreement with you. STOP-PAYMENT REQUESTS Placing a stop-payment on a paper check is different from the cancellation of a bill payment. Because it has been paid electronically, once a bill payment has been debited from your account, you CANNOT cancel or stop it. You may initiate stop-payment requests for paper checks you have written on your Clover Community Bank accounts through Online Banking if the item has not already been presented. You must include all required information for the stop order to be effective. For example, in order for us to follow the stop payment request, the exact amount of the check must be provided. -Stop payments will be effective for 6 months, and you will be charged a fee for any stop payment request. -Each continuation of a stop payment request will be treated as a new request for the purpose of fee assessment. -We will not be responsible for any liability which we might otherwise incur if we pay an item upon which you have requested a stop payment. -You also agree that if we return any other item drawn by you due to non-sufficient funds which situation is caused because we have paid an item upon which you have requested a stop payment, we will not be liable for

6 such action. -You understand that we may accept the stop payment request from any of the joint owners of the account regardless of who signed the check. Only the person who initiated the stop payment may make a release of the stop payment order. -You will incur stop-payment charges as disclosed in the current fee schedule for the applicable account. , ELECTRONIC STATEMENTS, DISCLOSURES, ALERTS AND COMMUNICATIONS You can communicate with us via . Please remember that we may not immediately receive an electronic message sent by you. If you need to contact us immediately, please call the Bank. No action will be taken on any you send to us until we actually review your message and have a reasonable opportunity to act. is not a secure method of communication and is in place for you to make inquiries or ask questions not of a sensitive nature. We recommend that you do not send confidential or privileged information such as account numbers and financial information by . messages sent to the Bank are the property of the Bank and we reserve the right to handle messages as such. You may not use from our public website or from the Online Banking Service to initiate banking transactions. You agree that we may send notices and information about our products or services to you electronically, to the extent allowed by law. We may make available an electronic statements program under which online banking customers may elect to receive their account statements through Online Banking. If you receive electronic Statements, you will receive an notifying you that your current account statements are available for viewing. When available, your statements may be viewed in online banking and printed. You may be required to have additional software on your computer, such as Adobe, in order to view statements. If you choose to receive electronic statements, you will be required to agree to additional terms and conditions. Unless otherwise required by applicable law or pursuant to your written request, in the event that we are required to provide a notice or other communication to you in writing, that notice or other communication may be sent to you electronically to any address reflected on your account in our records. Any notice we send you concerning Online Banking and/or your Accounts is effective when we send you an electronic message or when we mail or deliver the notice to you at the address we have for you in our records and will be deemed to have been received by you within three days of being sent. Electronic Alerts are available only for your accounts that may be accessed through online banking. Alerts may contain sensitive information regarding your account. Anyone with access to your may be able to access the contents of the Alerts. It is your responsibility to secure your computer, Access ID and password and otherwise secure and protect your from unauthorized access, and provide us with timely and accurate information about your address and designated contacts, in order to protect the confidentiality of your information. Alert balances may not reflect pending transactions and deposits may not be available for immediate withdrawal. If you require additional details about a transaction contained in an Alert, you may log into online banking to view transaction information or contact us at We do not guarantee the delivery or accuracy of the contents of Alerts. We shall not be liable for any delay, failure to deliver, or misdirected delivery of an Alert. We shall not be liable for errors in the content of an Alert or actions taken or not taken by you or any third party in reliance on an Alert. We may change, suspend or terminate the Alerts service at any time without prior notice. Subject to applicable law, updates to this agreement, as well as disclosures, notices and other communications regarding Online Banking and/or your Accounts will be provided to you within our website.

7 If you wish to withdraw your consent to receive communications provided in an electronic form, you must notify us in writing at: Attn: Operations, PO Box 69, Clover, SC or by fax to You agree that these are reasonable procedures for sending and receiving electronic communications. MOBILITI USERS Your phone service provider is not the provider of the Service. You may receive SMS messages related to your transactions periodically. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile or cellular device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such devices. You understand there are risks associated with using a mobile device and that in the event of theft or loss, your confidential information could be compromised. If you have questions about mobile service, you may contact us at If you choose to enroll for mobile banking, you will be required to agree to additional terms and conditions. ERROR RESOLUTION In case of errors or questions about your Electronic Transactions, telephone us at: Or, write us at: Clover Community Bank P. O. Box 69 Clover, SC as soon as you can, if you think an error has occurred, or if you need more information about a transaction listed on your periodic statement or receipt. We must hear from you no later than 60 days after we sent the FIRST periodic statement on which the problem or error appeared. 1. Tell us your name and account number. 2. Describe the error or 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. 3. Tell us the dollar amount of the suspected error. 4. If the suspected error relates to a bill payment made through BillPay Service, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, ID number, and the payee account number for the payment in question. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a 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 foreigninitiated 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 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within 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.

8 CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS This section explains your liability for unauthorized transactions. Tell us AT ONCE if you believe your password has been lost, stolen, used without your authorization, otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. Telephoning the Operations Department at is the best way of keeping your possible losses down. You could lose all the money in your account plus the maximum amount of your Overdraft Protection (if you have one) or Automated Overdraft Privilege (if available). If you contact us within two (2) business days after discovering the loss, you can lose no more than $50.00 if someone used your password without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss, theft, compromise or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your accounts without your permission if you had told us, you could lose as much as $ Also, if your periodic statement shows transfers that you did not authorize, tell us at once. If you do not tell us within 60 days after the periodic statement was mailed or delivered 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. DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY We do not and cannot warrant that Online Banking or BillPay will operate without errors, or that any or all Online Banking Services or BillPay Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Online Banking or BillPay, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of Clover Community Bank and its affiliates exceed the amounts paid by you for the services provided to you through Online Banking or BillPay. YOUR RIGHT TO TERMINATE You may cancel your Online Banking service or BillPay service at any time by providing us with written notice by mail or by calling Your access to Online Banking or BillPay will be suspended within 3 business days of our receipt of your instructions to cancel the service. This termination will only affect your Online Banking or BillPay services and does not terminate any other agreements you may have with us. You will remain responsible for any and all outstanding fees and charges incurred prior to the date of cancellation. -You authorize us to continue making transfers you have previously authorized until we have had a reasonable opportunity to act upon your termination notice. -You also agree that upon termination of either or both services, by us or by you, that you will cancel all automatic and or recurring transfers you have previously authorized and if you fail to do so that you are responsible for such payments. OUR RIGHT TO TERMINATE

9 You agree that we can terminate or limit your access to Online Banking Service or BillPay Service for any of the following reasons: 1. Without prior notice, if you have insufficient funds in any one of your Clover Community Bank accounts. Online Banking service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits. 2. Upon 3 business days notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your Primary Checking Account if using BillPay. 3. Upon reasonable notice, for any other reason in our sole discretion. We reserve the right to deny any further payments or transfers from your account(s) pursuant to the Agreement, including payments or transfers you have previously authorized. ASSIGNMENT Clover Community Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the Bank or to any other party. DISCLOSURE OF ACCOUNT INFORMATION We will not disclose information to third parties about your accounts or about you without your permission, however, we may disclose information: -When it is necessary to complete transfers or transactions or to send notice of dishonor or nonpayment; -To our accountants; -To bank regulators; -To exchange, in the regular course of business, credit information with other banks, financial institutions, or commercial enterprises, directly or through credit reporting agencies; (Under the Fair Credit Reporting Act you have the right to make sure that your credit bureau reports are correct and accurate.) -To advise third parties of accounts closed for misuse; -To furnish information to the appropriate law enforcement authorities when we reasonably believe we have been the victim of a crime; -To comply with government agency or court orders, or to furnish any information required by statue; -To furnish information about the existence of an account to a judgment creditor of yours who has made a written request for such information; -When we are attempting to collect an obligation owed to us; In addition, you understand and agree that we may, from time to time, request and review credit reports and other information about you prepared by credit reporting agencies or others. OUR RIGHT OF OFFSET You acknowledge that we may (without prior notice and when permitted by law) set-off the funds in your account against any due and payable debt owed to us by you now or in the future. If the account is held jointly, we may offset funds for the debt of any on or all of the joint owners. We will notify you if we exercise our right to offset. LEGAL ACTION If we initiate legal action to collect money owed to us under this agreement, including any counterclaim, you agree to pay all our reasonable costs for such action. This provision does not apply to any action in connection with any credit account. In such cases, the credit agreement will govern these costs. CONFIDENTIALITY

10 We will disclose information to third parties about your account or the transfers you make: 1. Where it is necessary for completing transfers; or 2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3. In order to comply with government agency or court orders; or 4. If you give us written permission; or 5. As explained in the separate Privacy Disclosure. CONTACT CLOVER COMMUNITY BANK Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways: You can contact us by at (Please note this is not a secure link, banking transactions through Online Banking are not made via . Please do not send personal or sensitive information by .) Telephone You can contact us by telephone at Facsimile You can contact us by fax at Postal Mail You can write to us at: Clover Community Bank, P. O. Box 69 Clover, SC In Person You may visit us in person at any one of our locations: Main Office N. Main Street, Clover Lake Wylie Branch Charlotte Hwy, Lake Wylie Office Hours: Monday through Thursday 9:00 am to 5:00 pm Friday 9:00 am to 6:00pm Saturdays 9:00 am to 12:00 pm (Main Office Only) INTERNET BANKING FEE SCHEDULE Online Banking The Online Banking system allows you to check account balances, transfer funds between accounts, view account histories, make stop payment requests, and download account activity in electronic format. There is no charge for this service. If you request a stop payment, you will be charged a stop payment fee of $36.00 per item. BillPay The BillPay service is provided to Online Banking consumer customers through the online banking. BillPay allows consumers to pay bills. There is no charge for this service. Please refer to the "Community Banking Services & Schedule of Fees" brochure received when you opened your account, which discloses any other fees that may apply.

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